{"text": "This blog was published in March 2021. Our latest analysis 2022 of the UK's implementation of Basel 3.1 can be found here.\nAt a glance\n- The UK’s implementation of the Basel 3.1 revised bank capital standard this year will proceed very differently now that the UK has left the EU.\n- With the Financial Services Bill nearing finalisation, the task will fall to the PRA to assess the likely impact of Basel 3.1 on the UK banking sector and decide how best to calibrate the framework in its consultation that we expect later this year.\n- The PRA will have broad discretion to implement Basel 3.1 as it sees fit, but we believe that it will prioritise the timely and faithful implementation of Basel standards, creating a more proportional regime for smaller banks and taking measures to preserve the competitiveness of the UK as a centre for financial services.\nReading time: 8 minutes\nThe UK’s implementation of Basel 3.1 will be an important regulatory development for banks in 2021. With the Financial Services Bill nearing finalisation in the UK Parliament the path to Basel 3.1 implementation is now becoming clearer and banks can have a better idea of the next steps that the Prudential Regulation Authority (PRA) will take to finalise the UK version of these standards.\nThis blog provides our latest understanding of the process through which Basel 3.1, as agreed by the Basel Committee on Banking Supervision (BCBS) in December 2017, will be implemented in the UK, its likely timing and our reflections on how the PRA is likely to calibrate the framework.\nBasel 3.1 implementation in the UK will be very different than before\nWith the UK now fully outside of the EU, the task falls to the UK Parliament to implement international regulatory standards in domestic law rather than simply adopt new EU Directives and Regulations. Very practically, this means that the CRD6/CRR3 bank capital proposal expected later this year from the European Commission will not apply to UK banks, and that a separate UK regulatory process will now have to take place for the first time in decades.\nThe UK’s Financial Services Bill is the primary legislation that gives a legal basis for UK regulators to adopt and implement Basel 3.1. When this has been passed by Parliament, the lion’s share of the work will then fall to the PRA to determine how best to implement the BCBS standards.\nImportantly, however, the Financial Services Bill does not specify in detail how the PRA should implement Basel 3.1 in the UK, and instead gives the PRA broad discretion. This marks a significant departure from the process that the UK banking industry has known in Brussels, where a legislative-led and very transparent procedure sees the European Council and European Parliament debate, negotiate at length, and vote on the finer points of the rules before a final decision is made.\nWhile this new approach the UK will take is very different from how BCBS capital standards are adopted by the EU, it is actually more similar to the regulatory-led process seen in other major BCBS jurisdictions including the US, Canada and Australia.\nWith these new powers, we expect the PRA to consult on the detailed UK implementation of Basel 3.1 later this year and then finalise the rules after the consultation period has closed.\nThe PRA will face a difficult balancing act in its Basel 3.1 consultations\nA regulatory-led process for implementing Basel 3.1 versus a legislative-led one is not a purely formal difference; regulatory-led implementations of international standards tend to be more technocratic. The PRA has traditionally been a strong supporter of applying BCBS rules in a timely and faithful way. The PRA’s recently-expressed intention to reverse the benefit  of some of the EU’s COVID-19 related bank capital support measures, particularly on the capital treatment of software assets, show us that this preference lives on. Based on the fourth quarter results of the largest six UK banks, the software measure provided a 28 basis point average uplift to their Common Equity Tier 1 (CET1) capital and would have been welcome capital relief as banks face uncertainty in the quality of their post-COVID loan books.\nThe PRA’s alignment to the BCBS standards is re-enforced by strong support among broader UK policymakers for taking a more Basel-compliant approach to bank capital standards, as emphasised by the Chancellor in the proposal of the Financial Services Bill in 2020. Indeed, during the UK’s membership of the EU, HM Treasury stood out as one of the most ardent defenders of Basel-adherence among all the participants in European Council debates.\nThe Financial Services Bill nevertheless creates an ‘enhanced accountability framework’ that mandates the PRA to implement Basel 3.1 not only with regards to relevant international standards but also considering its impact on the medium-to-long-term financing of economic activity, and the UK’s standing relative to other jurisdictions as a centre for financial services among internationally active banks. The PRA will be required to explain how its decisions on implementation have taken these considerations into account, but the nuance in the framework will give it wide discretion in doing so, particularly where it sees higher standards as contributing to a more sustainable financial system.\nThis expanded mandate might not mean much for the regulatory policymaking process in normal times, but as the UK recovers from the economic shock of COVID-19, scrutiny of any adverse impacts of the PRA’s proposed rules on banks’ ability to lend to support the economic recovery will be very high. Given that the UK has also now begun to forge its own path outside of the EU Single Market for financial services, there will also be pressure to ensure that the UK’s implementation maintains, and where possible enhances, the competitiveness of the UK financial system. In this regard, we expect all stakeholders to take a close interest in any aspects of the PRA’s Basel 3.1 implementation which go beyond the BCBS standards . For further analysis from us read our recent piece: Ruling the waves or waiving the rules? on potential pathways for the UK’s post-Brexit prudential regulatory regime.\nThe PRA will need to assess the likely impact of Basel 3.1 on UK banks\nThe latest assessment by the European Banking Authority (EBA) of the capital impact of implementing Basel 3.1 in the EU is an increase of 18.5% in minimum required capital with the impact for some national banking sectors forecast to be much higher . However, there has not yet been a published impact assessment of the likely capital increase that Basel 3.1 implementation could mean for UK banks. Neither the EBA’s 2019 nor 2020 impact assessments included the UK banking sector due to the UK’s imminent departure from the EU.\nThe PRA is required to undertake a cost/benefit assessment of the likely impact of all the rules it produces and industry representatives have called for the results of this exercise for Basel 3.1 to be released at the consultation stage to allow for informed debate about the rules before they are finalised . The PRA will face the challenge of assessing how a capital increase from Basel 3.1 implementation could coincide with downward pressure on bank capital levels driven by the financial consequences of COVID-19, in the same way as the EBA had to do in the December 2020 update to its impact assessment.\nSome priorities for the PRA in Basel 3.1 implementation can be anticipated today:\nWhile the PRA will have to consider its new Basel 3.1 mandate in the Financial Services Bill and the challenging environment the UK banking sector will face from 2021 onwards, we believe it is likely to prioritise several items in its upcoming consultation:\nTiming of implementation: the UK government and the PRA have always maintained their commitment to implementing Basel 3.1 on time, by 1 January 2023. They have re-stated this commitment as recently as late-2020 in the context of the proposal of the Financial Services Bill. We have said before that the EU is likely to miss this target [see our earlier blog] due to the substantial political negotiations that will have to take place. In the UK, however, the PRA’s simpler, regulatory-led process for implementation could proceed in a shorter timeframe. This does not mean that the UK will accelerate every deadline, as its December 2020 decision to delay the implementation of certain components of the CRR2 by a full year demonstrates. Generally, however, we believe that the PRA’s ability to move more quickly with its policymaking process will be paired with a greater desire to meet internationally agreed timelines provided it is practical to do so.\nProportionality for smaller banks: the PRA has been signalling that it would like to develop a simpler – but equally stringent – prudential regime for smaller banks than currently exists under the EU’s CRD/CRR rules. Sam Woods, Chief Executive of the PRA, recently noted that, in the PRA’s view, many BCBS capital metrics are more effective for large banks, whereas for smaller banks it is more important to have strong supervision of their governance  . This approach may feature first as a separate initiative or Discussion Paper instead of being a part of the Basel 3.1 CP. The design of the regime, particularly the thresholds for proportionality that are established and the extent to which capital, reporting, Pillar 2 or other requirements are simplified under a new approach, will be critical.\nThe competitiveness of the UK financial sector: finally, we expect the PRA to consider how it can use its implementation of the Basel 3.1 framework to help enhance the standing of the UK financial sector as a place for all banks to do business – in line with its new mandate under the Financial Services Bill accountability framework. While the PRA has made clear that it is likely to adhere to BCBS minimum standards, it will have a freer hand to determine how it will meet those standards than it did under the CRD/CRR. There may be cases where the PRA feels it is appropriate to propose simpler prudential rules that may be less operationally burdensome on banks (large or small), but which still achieve the aims of Basel 3.1. In some areas, the PRA may feel that a principles-based approach, accompanied by strong supervision of banks’ risk management and governance may be equally as effective as the more prescriptive, rules-based approach set out in the CRD/CRR framework.\nAs we noted at the beginning of this year in our Financial Markets Regulatory Outlook for 2021, we believe that EU-UK regulatory divergence will be an important regulatory theme going forward. The proposals to implement Basel 3.1 that we will see later this year from the European Commission and the PRA may include some substantial indications of where this divergence is first likely to arise and how significant it is likely to be. Until we see those proposals, however, it is important to understand just how different the Basel adoption process will be this time around, given the UK’s departure from the EU, and what that different process might mean for the kind of rules that we are likely to see adopted.\n Prudential Regulation Authority, Statement on the EU requirement on prudential treatment of software assets, 30 December 2020: https://www.bankofengland.co.uk/prudential-regulation/publication/2020/statement-prudential-treatment-software-assets\n The Basel III standard is expressly defined by the BCBS as a minimum standard only and the BCBS has said that jurisdictions are free to implement more conservative requirements and/or accelerated transitional arrangements and still be considered compliant with the Basel framework (Para 8): https://www.bis.org/bcbs/publ/d424.pdf\n European Banking Authority, Base III reforms: Updated impact study https://www.eba.europa.eu/sites/default/documents/files/document_library/Publications/Reports/2020/961423/Basel%20III%20reforms%20-%202019Q4%20update%20and%20Covid%20impact.pdf\n UK Parliament, Financial Services Bill (Second Sitting), 17 November 2020, testimony by Adam Farkas and Constance Usherwood, Association for Financial Markets in Europe: https://hansard.parliament.uk/commons/2020-11-17/debates/0ade4d23-7c36-4a01-9a53-d019186d2c14/FinancialServicesBill(SecondSitting)\n Prudential Regulation Authority, Strong and Simple, Speech by Sam Woods, 12 November 2020: https://www.bankofengland.co.uk/-/media/boe/files/speech/2020/strong-and-simple-speech-by-sam-woods.pdf", "label": "Yes"}
{"text": "Export of coconut and coconut products reached a record Rs 1,050 crore in 2012-13.\nThis is a landmark in coconut exports. Last fiscal, coconut exports other than coir and coir products registered a growth of 26 per cent in value and 32 per cent in the quantum.\nSome 58,000 tonnes of activated carbon worth Rs 550 crore, making up over 50 per cent of the total export value of coconut products, were exported.\nQuality, shell-based activated carbon is in demand from markets such as the US, eastern Europe, South-East Asia and West Asia .\nIn view of the economic revival and trade increase, India’s trade with the US is increasing, in addition to the traditional markets, officials in the Coconut Development Board said.\nCoconut shell based activated carbon is notified under Focus Product Scheme and is eligible for 2 per cent export incentive with effect from January 1.\nSince the Union Government notified the Board as an Export Promotion Council for all coconut products from April 1, 2009, a sizeable quantity of coconut and coconut products is being exported. Shipments have registered an average growth of 35 per cent in the last four years.\nThe board currently has around 1,000 registered exporters. It aims to achieve Rs 5,000 crore worth coconut product exports by the end of the 12th five-year Plan.", "label": "Yes"}
{"text": "World shares mixed… US House to vote on more business help…Vegas mayor criticized for wanting to reopen casinos\nTOKYO (AP) – Shares are mixed in Europe and Asia today following a rally on Wall Street Wednesday and a slight recovery in oil prices. France’s CAC 40 rose 0.1% in early trading while Germany’s DAX fell 0.7%. Britain’s FTSE 100 edged less than 0.1% lower. In Asia, Japan’s Nikkei finished 1.5% higher while South Korea’s Kospi rose nearly 1.0%. Hong Kong’s Hang Seng added 0.4%, while the Shanghai Composite inched down 0.2%. Wall Street is expected to open lower today with Dow and S&P futures almost unchanged.\nUNDATED (AP) – The U.S. House is expected to vote today on a $483 billion proposal to deliver more loans to small businesses and aid to hospitals after the Senate approved it on Tuesday. The new bill would come on top of more than $2 trillion in aid that Congress has already approved. That, plus massive support for markets from the Federal Reserve, has helped the S&P 500 rise 25% since a low in late March. The index has roughly halved its loss from its record set in February.\nLONDON (AP) – A closely watched survey of economic activity across the 19-country eurozone suggests that the single currency bloc is contracting at a quarterly rate of 7.5% as a result of the lockdowns meant to get a grip on the pandemic. Financial information firm IHS Markit said Thursday that its purchasing managers index for the eurozone – a broad gauge of economic activity – plummeted to an all-time low of 13.5 in April from the previous record low of 29.7 in March. The firm has been compiling data for more than 20 years. Anything below 50 indicates a contraction in activity.\nTHE HAGUE, Netherlands (AP) – Increased sales of cleaning and hygiene products helped compensate falling demand for foods like ice cream amid the coronavirus crisis as consumer products giant Unilever recorded first-quarter sales unchanged from the same period a year ago. Underlying sales growth was flat, with a 0.2% rise in sales volumes offset by a 0.2% decline in price. Turnover amounted to 12.4 billion euros ($13.4 billion).\nLAS VEGAS (AP) – Nevada officials are condemning comments from Las Vegas Mayor Carolyn Goodman, who called for the state’s casinos and other nonessential businesses to reopen. Goodman said in a Wednesday interview on CNN that she wants everything back open, and she suggested that the residents of Las Vegas become “a control group” to see how relaxing closures and restrictions would affect the city. Elected officials are calling her comments reckless and embarrassing.", "label": "Yes"}
{"text": "I didn’t learn anything about either Mitt Romney or President Obama by watching their dueling appearances last night on 60 Minutes. But now I know for sure why Mr. Romney avoids getting into specifics–on his tax policies, his spending priorities, his foreign policy and so on. When he does get specific, he doesn’t make much sense.\nOn TV last night, he said he would cut everyone’s tax rates by 20 percent, including really rich people like him who are already paying too little. Simultaneously, he would limit deductions and exemptions, “particularly for people at the high end,” while “eliminating the tax for middle-income families on interest, dividends, and capital gains.”\nAs a result of this shakeup, while rates would go down everyone would pay roughly the same in taxes each year, except middle-income people who “will probably see a little break, because there’ll be no tax on their savings.”\nThe Romney campaign asserts that his plan will not add to the deficit, because of the above-mentioned limits on deductions and exemptions. What are those deductions and exemptions, exactly? How will they affect “people at the high end” more than in the middle? Mr. Romney would only say “that’s something Congress and I will have to work out together.”\nThe Tax Policy Center has already looked at Mr. Romney’s proposals and called them “not mathematically possible.” The Center concluded that despite Mr. Romney’s assurances to the contrary, his plan would result in tax increases for middle-income earners.\nBut it doesn’t take a PhD in economics to see that there’s something fishy here. If a President Romney fiddles with taxes on capital gains, people with robust stock portfolios will benefit immensely, while Americans who live off their salaries will not. Eliminating taxes on interest will only result in a substantial break for those with substantial income from interest.\nMoving on, the 60 Minutes interviewer, Scott Pelley stated that Mr. Romney “paid fourteen percent in federal taxes,” the capital gains rate, and asked “is that fair to the guy who makes fifty thousand dollars and paid a higher rate than you did?”\nMr. Romney answered “Yeah I think it’s the right way to encourage economic growth, to get people to invest, to start business, to put people to work.”\nNever mind that Mr. Romney would have paid even less in taxes if he hadn’t kept his rate artificially high by declining to count $1.8 million in charitable contributions. (He can always revisit his deductions in a future year.) The important fact here is that there’s little evidence supporting the idea that lower capital gains rates will lead to more investment and more growth, or vice versa.\nMr. Romney was even less coherent on foreign policy than he was on domestic issues. One particularly hilarious moment came when he criticized Mr. Obama for failing to close the Guantanamo Bay detention camp. It’s true that Mr. Obama botched the debate over the camp, but it was Republicans in Congress who pushed a law against transferring prisoners from Guantanamo to the United States.\nAnd Mr. Romney does not actually favor closing the camp.\nHe tried valiantly to find some disagreement with Mr. Obama on Afghanistan, but ended up fumbling around. He said he agrees that most American combat forces should be out of Afghanistan by the end of 2014. But he said it’s a bad idea to say when you plan to withdraw troops. Obama timeline bad. Romney timeline good.\nHe said the troops sent in for the surge should not be coming out until November, rather than September. He tried to sound military-savvy by saying, “I don’t think you try and bring back troops during the fighting season.” But does he really think two more months would make a difference?\nAt least Mr. Romney had a succinct, clear answer to the question “What’s your big idea?” He responded: “Freedom. I want to restore the kind of freedom that has always driven America’s economy. And that’s allowed us to be the shining city on the hill.”\nHis Big Idea is freedom. And quoting Ronald Reagan.", "label": "Yes"}
{"text": "On Monday, January 19th the new Nanaimo Council will receive the Draft 2015 – 2019 Financial Plan.\nIf this budget is adopted it will mean 3.9% increase in taxes for 2015.\nThe proposed five year financial plan will increase Nanaimo property taxes by 12.8%. This amount will be more because it doesn’t include the taxes for water, sewer, garbage, RDN, schools and local hospital.\nCity of Nanaimo tax increases 2015-2019\nIn 2015 Nanaimo residents will pay 14.5% more for the following core services:\n- Water rates 7.5%\n- Sewer 5%\n- Garbage 2%\nWhat is causing the tax increases? Staffing is the largest cost including wage and benefit increases for:\n- City of Nanaimo\n- Vancouver Island Regional Library\n- RCMP (3 additional members)\n- Fire Station staff (4 additonal staff in 2016)\n- (The City of Nanaimo eliminated 3 management positions savings $359,000) *price of settlements not included\nOther reasons for tax increases are because of asset management, debt repayment and inflation.\nFor a single family home assessed at $350,000 that would mean an increase of $60.84 in taxes. This increase doesn’t include schools, hospital and RDN.\nAlso, don’t forget the other rate hikes for 2015 such as:\n- BC Ferries 3.9%\n- BC Hydro 6%\n- ICBC 5%\n- MSP 4%\n- CPP 1.8%\n- EI 1.2%\nThat would bring the total tax increases to approximately 50% for 2015.", "label": "Yes"}
{"text": "The Ghana Revenue Authority (GRA) two years ago warned Ghanaians of facing prosecution for failing to honour their tax obligations.\nCommissioner General of GRA, Emmanuel Kofi Nti during the launch of a Prosecution Policy stated that the new rule formed part of measures put in place to mobilise revenue for national development\n“We encourage the general public, especially income-earning persons, to be well-acquainted with their obligations under the tax laws; and the prosecution policy document to be well-guided to prevent any infractions,” he pledged.\nThe Ghana Revenue Authority (GRA) has served a strong notice to take on existing and potential taxpayers who fail to honour their tax obligations with the launch of a ‘Prosecution Policy’ document, after employing a number of strategies to encourage voluntary tax compliance.\nThe new prosecution policy outlines the circumstances under which tax and Customs offenders may be prosecuted, while also standardising the processes and procedures for prosecution by the GRA.\nAccording to the Commissioner General of GRA, Mr. Emmanuel Kofi Nti, the move forms part of measures to fulfil the Authority’s core mandate of mobilsing revenue for national development. The policy is intended to be used by all GRA officers who are expressly mandated to enforce the laws governing taxes and duties in the country.\nMr. Nti observed that all income earners, potential and existing taxpayers have the opportunity to amend their ways and become tax-compliant or be dealt with, with the coming into force of the policy.\nThe GRA over the past two years, he noted, has intensified its public education and sensitisation programmes nationwide to deepen awareness of various topical tax issues and the need to be tax compliant to avoid any infractions of the laws which may lead to prosecutions.\n“We encourage the general public, especially income-earing persons, to be well-acquainted with their obligations under the tax laws; and the prosecution policy document to be well-guided to prevent any infractions.”\nHe stated that the GRA desires to see a more tax-compliant society, and isopen to assist the public to gain a better understanding of the tax laws.\nThe Commissioner General of GRA, who was speaking at the launching of the Prosecution Policy in Kumasi, said after a lot of persuasion through public education programmes on the importance of tax to the economy, the prosecution of selected cases will act as an effective deterrent to evasion, non-compliance, and tax and Customs fraud.\nHe however revealed that certain principles and factors underlie the prosecution policy. To decide whether prosecution action is the most appropriate remedy for dealing with compliance, the GRA will consider seven principles spelt out in the policy document.\nFor instance, it said: an offence may not proceed to prosecution where an administrative response is more appropriate; a prosecution case will not commence where there is insufficient evidence; and any prosecution action should have a deterrent effect on both the offender and the wider taxpaying community among others.\nIt must be noted that the law which establishes the Ghana Revenue Authority, the Authority Act, 2009 (Act 791), and others including the Income Tax Act, the Customs Act, and the Revenue Administration Act among others give powers to the Authority to ensure compliance with the tax laws.\nThrough these and laws other laws, GRA is mandated to enforce compliance to ensure that all persons earning income, and for that matter taxpayers, fully comply with their obligations and that revenue is correctly assessed and collected.\nMr. Kofi Nti emphasised that one important tool made available by the various laws to elicit compliance is the prosecution of tax offenders; however, he said the powers to prosecute must be guided by a documented policy made known to the public to ensure consistency in application. Hence the development of this policy.\nThe Finance Minister, Mr. Ken Ofori Atta, said to successfully achieve the purpose of this prosecution policy, the Legal Department should ensure that not only staff of the GRA are sensitised on the policy but the larger public too.\nHe noted that this will lead to helping obtain total adherence to the principles and procedures. “I believe that there is a significant number of people willing to be compliant if they know and understand the implications of non-compliance.” He thus urged GRA not to take lightly their own procedures.\nThe Ashanti Regional Minister, Mr. Simon Osei Mensah, also added that efficient implementation of the Policy, as a means to fight against tax and Customs fraud, will determine GRA’s ability to rake in the needed revenue from recalcitrant businesses and tax fraudsters for accelerated national development.", "label": "Yes"}
{"text": "BEIRUT, Lebanon — The king and queen of Jordan had secret Swiss financial institution accounts value masses of tens of millions of greenbacks, consistent with a significant information leak from certainly one of Switzerland’s biggest banks. So did the sons of Hosni Mubarak, the ousted president of Egypt, and industry tycoons who thrived all through his 30-year rule.\nDifferent accounts have been related to secret agent chiefs from Egypt, Jordan and Yemen who cooperated with the USA and feature been accused of human rights abuses.\nVoters around the Heart East have lengthy lacked details about the funds in their international locations’ elites rather then what they may glean from peering over palace partitions.\nNow, the data leak from the bank Credit Suisse has opened a peephole into the personal wealth of a spread of potentates, elevating new questions in regards to the talent of elites to show public posts into non-public benefit in international locations the place the loss of transparency creates openings for corruption.\n“What you have got is an excessively subtle, corrupt elite this is very built-in into the worldwide monetary machine,” mentioned Nadim Houry, the manager director of the Arab Reform Initiative.\nEnabling the politically hooked up to counterpoint themselves, he mentioned, is the failure of many states to create obstacles between the rulers’ and the state’s property.\n“It looks as if a state, it appears like a state, however in the end with regards to the property of the rustic,” he mentioned, most of the potentates “act like absolute monarchs getting rid of private belongings.”\nThe name of the game banking data from Credit score Suisse was once leaked to the German newspaper Süddeutsche Zeitung, and made to be had to The New York Instances and different information organizations via the Organized Crime and Corruption Reporting Project.\nThe information comprises account data over various many years and comprises account holders’ names, the hole and cut-off dates in their accounts, and their most and shutting balances. The leaked information does now not come with details about the money glide during the accounts, the supply of the price range or the level of any financial institution inquiries into whether or not the cash was once most likely tainted.\nMany of the account holders named within the leak are both out of energy or lifeless, reducing the probabilities that the revelations will encourage responsibility efforts. However little means that officers in energy now have fewer avenues for personal acquire than their predecessors did, Mr. Houry mentioned, regardless of strikes via some international locations to extend oversight of presidency spending after the mass protests in opposition to corruption and autocratic rule all through the Arab Spring, which unfold around the Heart East in 2011.\n“Frankly, they have got all been window dressing for the reason that energy dynamics have now not modified and no state controller is in a position to grasp the tough to account,” Mr. Houry mentioned.\nWithin the years sooner than President Mubarak of Egypt was once ousted all through an Arab Spring rebellion in 2011, a circle of businessmen just about him received huge fortunes as Mr. Mubarak privatized state property and made different efforts to liberalize the rustic’s financial system. His sons, Gamal and Alaa, additionally were given wealthy.\nThe Mubarak brothers held six accounts at Credit score Suisse, together with a joint account that swelled to about $196 million in 2003, consistent with the leaked information.\nEach and every of the son’s fathers-in-law additionally had accounts on the financial institution value tens of millions of greenbacks, as did different businessmen related to the Mubaraks, whom the Egyptian government attempted on corruption fees.\nBecause the Arab Spring stepped forward around the Heart East, the Swiss government introduced that that they had frozen masses of tens of millions of greenbacks of property related to Mr. Mubarak and his executive in addition to property of other people related to governments in Syria, Libya and Tunisia. However main points on precisely what was once frozen have remained scarce.\nVia their legal professionals, Gamal and Alaa Mubarak instructed The New York Instances that every one in their property have been received legally via their “a success skilled industry actions” and correctly declared to the essential government.\nThey mentioned the leaked account data may comprise “some subject material inaccuracies” however didn’t elaborate.\nThe one sitting head of state within the leaked information was once King Abdullah II of Jordan, a detailed United States spouse whose kingdom has won billions in army and financial support from the USA through the years. That support totaled $22 billion as of 2018.\nIn keeping with the leaked information, King Abdullah had six Swiss accounts, together with one who held greater than $224 million in 2015. His spouse, Queen Rania, had an account that exceeded $40 million in 2013. The ones accounts have been closed in 2015 and 2016.\nJordan’s Royal Hashemite Court docket mentioned in a remark that there have been no “illegal or mistaken behavior” on the subject of the financial institution accounts.\nMany of the cash within the king’s biggest account was once from the sale of an plane in Might 2015 for $212 million, the remark mentioned. The remainder was once his “private wealth,” inherited from his father, the former monarch, and invested since.\nQueen Rania’s account held a portion of the king’s private wealth put aside for the couple’s 4 youngsters, who have been minors on the time, the remark mentioned. The stability leaked was once erroneous, it mentioned, however it didn’t supply an alternative determine.\nThe price range have been used to shop for a smaller plane, for investments, private bills and social and financial initiatives for Jordanians and to deal with the Islamic holy websites in Jerusalem which are below the king’s custodianship, the remark mentioned.\nThe previous president of Algeria, Abdulaziz Bouteflika, had a shared account with various kinfolk that held $1.1 million in 2005, the leaked information confirmed. He was once ousted after two decades in energy in 2019 and died in 2021.\nSultan Qaboos bin Stated of Oman, who dominated for almost 5 many years till his death in 2020, had two accounts, one who held just about $126 million in 2003 and some other that held $57 million in 2015.\nThe accounts held via the heads of intelligence companies or their kinfolk incorporated figures who labored intently with the Central Intelligence Company on covert operations and counterterrorism and a few who’ve been accused of overseeing torture and different human rights abuses.\nIn 2003, shut kinfolk of Omar Suleiman, Mr. Mubarak’s long-serving intelligence leader and a key interlocutor with the C.I.A., opened a joint account whose stability would develop to $52 million a couple of years later, the knowledge confirmed.\nMr. Suleiman died in 2012, however the account survived Mr. Mubarak’s fall and remained open till 2016. Efforts via the reporting mission to succeed in his kinfolk have been unsuccessful.\nFrom 2000 to 2005, Saad Kheir led the Jordanian intelligence company, a key U.S. counterterrorism spouse that human rights organizations say interrogated terrorism suspects for the USA. In 2003, he opened an account whose stability would upward push to $21.6 million sooner than it was once closed after his dying in 2009.\nWhilst it was once conceivable that the cash held via the intelligence chiefs was once for covert executive actions, that the boys stored it in their very own or their kinfolk’ names instructed it was once for private use, mentioned Douglas London, a retired senior operations officer within the C.I.A.\n“Those have been the appropriate fingers and henchmen for the autocrats, in order that they have been smartly sorted for his or her loyalty and their provider,” he mentioned. “This is simply, for higher or for worse, how issues perform in those international locations.”", "label": "Yes"}
{"text": "- What Time Do Options Expire? - Power Cycle Trading\n- Where you can quickly invest money and earn\n- Learn how and when to remove this template message In finance, the expiration date of an option contract represented by Greek letter tau is the last date on which the holder of the option may exercise it according to its terms.\n- Key takeaways The expiration date is the specific date and time an options contract expires.\nSummary The Importance of Knowing When Options Expire Since you can no longer trade an options contract once it has expired, knowing when options expire is super important for all option traders. Once the contract reaches the end of the set time its expiration dateunless the buyer of the contract chooses to exercise the right, the contract expires and becomes worthless.\nBut for expiration of options buyer of options, an overlooked option expiration can equate to trading losses. Do Options Expire at Open or Close?\nOptions Expiration | Everything You Need To Know\nPublic holders of options contracts, however, must indicate their desire to trade no later than PM on the business day preceding the option expiration date. Most exchange-traded options contracts follow a predetermined expiration system. Equity stock option contracts listed on the US exchange will always expire on the Saturday that follows the third Friday of the month. An exception occurs in the case of a market holiday, in which case the expiry is on the Thursday right before Friday.\nExpiration Date (Derivatives)\nFor holders who need to notify the exchange of their intent to exercise a trade, it is important to know that the notification limits how late you can notify vary based on where the product trades. Most traders do not hold an options contract until its expiration date; they will move out of the position rather than exercise expiration of options or let it expire.\nTraders should consult their broker regarding expiry, as some brokers will have different notification limits. When Do Weekly Options Expire?\nWeekly options contracts are shorter than regular monthly options. They expire every week, generally at market close on Fridays.\nOptions Expiration Calendar 2021\nSimilar to regular options, exceptions include market holidays, in which case the weekly contract option would close on Thursday instead of Friday. Can Options be Exercised Automatically? What About Index Options? American-style index options contracts, like equity options, can be exercised any time before expiration, up to and including the third Friday of its expiration month. Some options expire in the morning, however, so it is important to be aware of this and know your expiry times when trading European-style index options.\nMost monthly index options contracts expire in the morning, while weekly options expire in expiration of options afternoon.\nAs with other options contracts, notifications of intent to exercise must be done the day before.\nSummary Experienced traders have a keen awareness of when the options they have bought or sold will expire. Share via:.", "label": "Yes"}
{"text": "The Department of Energy is going to award up to $60 million to researchers focusing on ways to improve the efficiency of internal combustion engines for light- and heavy-duty engines through technological advances in combustion and waste heat recovery. The solicitation outlines the two primary topics of interest:\nEnabling High Efficiency Clean Combustion\nExhaust Energy recovery\nThe first deals with areas such as HCCI, the latter with areas such as EGR. (Earlier posts on these areas.)\nThe solicitiation is fuel-neutral. The fuel does not have to be gasoline or diesel, it only has to be liquid at ambient conditions.\nThe baseline goals are to improve engine efficiency by 10% or more in each topic. Proposals are due in 26 July, and it will be very interesting to see where this goes.\nAlso of interest is the way the DOE articulates the market context for this work:\nAmericas energy security is dependent largely on the efficiency and fuel choices made for the transportation system. The transportation sector, in turn, has a significant influence on the nation’s economic and environmental well-being. Our highway vehicles use more petroleum products than our country produces domestically. As transportation energy use continues to grow, the situation will only worsen. Domestic oil production has been steadily declining for over two decades and oil imports are expected to reach 70% by 2025. Oil imports have been a growing problem, because petroleum resources are distant from most of the worlds consumers, unevenly distributed globally, and concentrated in regions with political or environmental sensitivities. Not only is the U.S. demand for oil growing, but the global demand in both industrialized and developing countries is increasing rapidly, especially in countries such as China and India where the growth in motor vehicles is far outpacing that of the U.S.\nThe Presidents FreedomCAR and Hydrogen Fuel Initiative are designed to reverse Americas growing dependence on foreign oil by developing the technology for hydrogen-powered fuel cell vehicles by the middle of the next decade. Before fuel cell vehicles become a commercial reality and a hydrogen infrastructure is in place, vehicle efficiency improvements are needed for the transition from current internal combustion engines to fuel cell vehicles. The Office of FreedomCAR and Vehicle Technologies (OFCVT), in conjunction with its industry partner, the U.S. Council for Automotive Research (USCAR) is leading the effort, through the FreedomCAR Partnership, to develop the technologies that improve vehicle efficiency in the interim and simultaneously facilitate the transition ultimately to hydrogen-powered fuel cell vehicles.", "label": "Yes"}
{"text": "We do not give these key categories equal weighting as some categories are much more important than others. Our team of expert analysts conduct reviews by opening live accounts and report a “user’s https://www.sitejabber.com/reviews/primexbt.com experience” as well as detailed research into the entity which is included as background within each review. Additionally, our calls are backed up by evidence which is presented within the reviews.\nAward-winning research from Trading Central and market analysis from Autochartist is also available to BDSwiss clients. These third-party tools complement the strong educational material with actionable trading ideas. Get direct access to a range of CFD instruments with some of the lowest spreads available on the market. Before opening an account with your chosen forex trading broker, it’s important to assess which regulators license it. A currency peg is a policy in which a national government sets a specific fixed exchange rate for its currency with a foreign currency or a basket of currencies.\nWhich Trading Platforms Do The Best Forex Brokers Offer?\nAccount types depend on what trading platforms you are choosing. IC Market features a transparent and competitive pricing structure, with spreads from 0.0 pips, easy to calculate, friendly both for novices and experienced traders. Ninja Trader is a terminal that made it to the list of the best trading platforms back in the mid-2000s. It is designed for experienced traders who analyze real market volumes, which is not technically possible on the Forex market. The major benefit of the platform is the analytical functionality, thus it can be suitable for both beginner and advanced traders.\nAs we have mentioned before, a demo account is a great way to try things for free, and this includes the efficiency and user-friendly nature of a Forex broker’s own trading platform. Jitan Solanki author Jitan Solanki is a professional trader, market analyst, and educator. He day trades major currency and index markets and focuses on swing trading US equities and commodities. A qualified Market Technician, Jitan also works with trader education and brokerage companies on various projects. These include market analysis, live trading events, and broker reviews. His career as a day-trader at a proprietary trading firm goes back to 2007.\nOur Best Alternatives To Forexcom Are:\nVPS hosting is also available, along with all the trading algorithms which install on MT4. ECN brokers are also NDD brokers, but they are brokers who connect traders directly with other participants in the electronic communications network. Thus, you will be trading directly with banks, hedge funds, and other retail traders without the addition of a spread.\n- We regularly refine our process to make it even better, paying attention to new products, industry developments, and regulatory rules.\n- Traders should consider a broker to be their partner in the Forex trading business, and a profitable trader can only be as successful as his broker allows him/her to be.\n- Finding the best ECN forex broker is essential for real-time live pricing and executions.\n- As you read through your options, remember that the majority of forex trading platforms can help you open a basic account and begin your investing journey.\n- FOREX.com was established in 1999, operating in many countries and hold licenses in several major regulatory hubs.\nNote you will not be able to generate any real profits there. Assessing education materials, we found them suitable to help beginners via the TMGM Academy. The Beginner Stage introduces topics such as spreads, margins, and basic market analysis.\nWhat Is The Minimum Deposit At Forexcom?\nIdeal for both novice and professional traders looking to understand the strengths and weaknesses of StormGain. Some brokers charge a commission, while others are compensated with a spread, or a markup between the price they pay for an asset and what they sell it for. The investing information provided on this page is for educational purposes only. NerdWallet does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.\n- In other words, you’re trading with the broker directly, rather than the broker being simply an access platform to a wider market.\n- Our editorial team is composed of trading industry professionals and seasoned financial journalists, who ensure that our reviews are accurate and unbiased.\n- So what should you be looking for, and what is the best way to find it?\n- Forex trading is a leveraged product, which is also one of the unique aspects of the business.\n- When you trade forex, you need a broker to execute your trades, but the broker may not always be acting in your interest first.\nRead on and find out how to create an efficient financial plan, what components to include to meet your financial goals, and much more. Optimally suited to the requirements and tasks of the trader. If you haven’t made your choice yet, compare the MT4 and LiteFinance platforms. It is blockonomi.com/primexbt-review/ important to understand the main platform tools and find the most convenient algorithm of actions. Convenient interface, visual display of graphs, selection of a color palette. Your eyes should not get tired, a trading terminal should allow you to instantly track the main points.\nThis is important as a strong parent company lowers the chance that the company will go bust. For example, if you are from the UK, you will sign up with StoneX Financial Ltd and will be eligible for investor protection of £85,000. StoneX Financial Ltd is regulated by the FCA, the UK’s financial authority. Yes, it is regulated by several financial authorities globally, such as the UK’s Financial Conduct Authority , and the Commodity Futures Trading Commission and National Futures Association in the US.\nMakes sure you always select a broker that is licensed or overseen by a top-tier regulator, such as the SEC in the US, the FCA in the UK or BaFin Germany. As a next step, check to see if the broker accepts clients from your country of residence. prime xbt review Non-trading fees are charges not directly related to a given trade and typically include the account maintenance fee, deposit/withdrawal fees, and the inactivity fee. Make sure the forex trading platform suits your level of experience.\nAward-winning Trading & Investing Platform Trade For More\nIn a market where scams are abundant, the Forex Fury reviews are over 90% positive. The developers are able to keep a high rate of customer satisfaction by providing excellent support and regular free updates. Forex Fury is regularly highlighted in the Trade with Pat YouTube channel, and is ranked #1 by the top robot review websites. There are very few other robots in this market that are as consistent, and are willing to continue spending in the development of their software. DailyForex.com adheres to strict guidelines to preserve editorial integrity to help you make decisions with confidence. Some of the reviews and content we feature on this site are supported by affiliate partnerships from which this website may receive money.\n- FCA bans the sale of crypto-derivatives to UK retail consumers from 6 January 2021.\n- Some European trading platforms have minimum deposit requirements, whereas others have very low minimum deposit requirements.\n- Most of them are designed for any kind of operating system, including Linux and mobile devices.\n- 77.1% of retail investor accounts lose money when trading CFDs with this provider.\nThey do not provide brokerage services, only auxiliary functions. For example, ZuluTrade is an aggregator of PAMM account brokers and social trading, Currenex and Integral are platforms that provide technological solutions for ECN execution of transactions. It is integrated into the Personal Account which combines the Forex market trading functionality of the terminal, account management, and statistics of affiliate programs. Here you can find the main currencies, cross rates, stock indices, and individual stocks, as well as gold, silver, oil, andcryptocurrencies.\nAlso, it includes an extra license of a special version of the EA – FXStabilizer unlocked, which has no restrictions on currency pairs, and has completely customizable parameters. This will allow you to use the EA without limitations and customize everything as you want, or develop your own custom settings. Equity traders must rely on the proprietary trading platform for access to all 4,500+ stocks and shares.\nWith all these features, IC Market can be recognized as the best platform for beginners and experienced traders. With FOREX.com, traders can get access to more than 4500 instruments, including 80 currency pairs. Forex.com accomplished an average daily volume of $8.1 billion in 2020 alone. FOREX.com, a pioneer in operating online forex trading https://www.sitejabber.com/reviews/primexbt.com in the United States, is now one of the world’s largest retail FX brokers, with over $3.9 billion in customer entity. Capital.com is a leading CFD broker that also offers commission-free stock and ETF trading. They have an attractive web trading platform where you can trade more that 6,400 financial instruments, including Forex.\nIt’s a bit more tricky if you want to talk to a real person. You have to type ‘agent’, after which the chatbot offers to connect you blockonomi.com/primexbt-review/ with a sales or support agent. Leverageenables traders to ‘borrow’ capital in order to gain a larger exposure to the forex market.\nMT4/MT5 has thousands of EAs, and traders may explore them to determine if they suit their trading style. MT4/MT5 platforms are only available in the expensive commission-free Standard account. Requirements for the Active Trader program are either a $10,000 minimum deposit or a monthly trading volume of at least $25M. Commission-free trading primexbt testimonials costs list a minimum of 0.3 pips, but the average spread is 1.2 pips or $12.00 per 1 standard lot. Forex.com established itself as an industry leader and is an overall trustworthy broker. Traders should carefully consider which subsidiary they are allowed to trade with, as it will impact the quality of the trading environment.\nIt has the widest range of trading tools, flexible conditions, and a responsive attitude from the broker, which makes this account unique. The Micro trading account will allow you to work out your own trading strategies, as well as get used to working on FOREX using real trading accounts. According to recent research, AccentForex is a forex broker company based in Vanuatu. Some of you may have heard of an indicator called the \"ZigZag\" and a trading theory called \"Elliott Wave\". The Elliott Wave Theory is named after Ralph Nelson Elliott.\nYou will come across dozens of forex brokers eager to earn your business when you search online. The first thing you need to figure out is what kind of forex trader you want to be, your trading needs (like are you going to trade a lot or just a little?), and your trading goals. As with currency exchange markets, commodity markets offer different investment opportunities for traders. Investing in contract-based tradable goods is a reliable way to mitigate risk during times of inflation or economic uncertainty. The forex trading software provided by a broker company to its clients is called the platform and is used to carry out their trades. Commissions are the charges imposed by an investment broker on a trader for making trades on the trader’s behalf.\nUsd/jpy Flirts With Key Resistance Region, 140 Being Eyed Next?\nThe main reason is the lack of many existing indicators and advisers in the new programming language. Therefore, MetaQuotes continues to support both MT4 and MT5, gradually trying to convince online brokers to buy a license for the new version of the platform. You can compare them with the help of our guideDifference between MT4 and MT5 – What is Better. Also, MT5 features the Depth of Market and instruments for transactions. Thus, the platform is suitable for both Forex market and exchange derivatives trading. If your customer support is easy and fast to access, then you won’t have to worry about getting your concerns resolved swiftly later on.\nX Trend Premium is unlike any other indicator on the market. It requires no outside knowledge and utilizes cutting-edge technology that makes trading more accurate, more reliable, and as effortless as possible. Unfortunately, Forex.com does not list a phone number and e-mail address on the Contact Us page. Forex.com explains its products and services well and strives for operational excellence. It eliminates the need for customer support and reduces it to emergencies only.\nBest Forex Trading Platforms: 2023 Reviews\nA reliable trading platform for forex must provide knowledgeable customer support 24/7. Forex.com comes pretty close to offering this level of assistance. The fastest way to get in touch with the support team is via the live chat option. Like other top-rated forex brokers from our list, Forex.com enables you to customize your charts in order to improve your trade analytics. This trading platform prides itself on providing more than 80 indicators that you can add to your chart. The forex trading website allows you to trade with more than 80 currencies.\nThis largely depends on the direction of the trade and order size. Some trading platforms like eToro allow you to trade stocks and other assets with zero commission, but some brokers charge hefty fees for their trading services. Ultimately, we found that eToro ticks all of the right boxes in what you should be looking for in an online trading platform.\nThis has enabled us to select the best solutions to fulfill our clients’ needs. If you want to be a very active trader and study currency pairs, you can jump right into it without much capital. Most brokerages require little to no account minimum, and it’s low cost to trade on https://www.sitejabber.com/reviews/primexbt.com forex in comparison to options and stocks. You don’t need to have an account minimum to trade with Oanda. The quality of trade executions is considered high by most traders, and it has clear pricing and fee structures, which make it more trustworthy overall as a forex broker.\n- In some cases, platforms offer a simple, transparent pricing structure.\n- In addition, we run a number of popular open online educational and community initiatives to empower retail traders and investors.\n- Just because a trader has done well in the past or if you think their trading ideas look good it does not mean they will be profitable in the future.\n- Investors should seek out a broker that offers reasonable fees, a user-friendly interface, exceptional customer service, and a breadth of offerings.\n- At the other end of the spectrum, some of the forex trading platforms we came across only offer support via email.\nThe IG Group online broker platform improves the Forex trading experience with its advanced trading tools. Apart from the MetaTraders, FOREX.com also has its own proprietary web-based platform. It comes with over 70 technical indicators, 50 drawing tools, blockonomi.com/primexbt-review/ as well as an alert/notification feature. The proprietary platform is quite customizable, user-friendly, and supports plenty of advanced order types. The FOREX.com online platform is designed to provide its users with safe and low-cost forex trading.\nHow To Choose The Best Trading Platform?\nAnd this axiom certainly holds true in the forex broker realm. There are new foreign exchange brokers that spring up by the dozens every year, and some of these companies are located in regions where regulations are quite relaxed or non existent. Counterbalancing this is the fact that never before have such powerful platforms, tools and data been available for independent day traders. While it’s notoriously difficult, day trading can yield large rewards for the minority that manage to succeed over time. Increasingly efficient markets and the rise of algorithmic and high-frequency trading have made day trading harder for individuals.\nAnd most importantly – it is fully regulated in several jurisdictions. Ally Invest is a fairly new platform, with only 6 years of experience. Although IG is among the top 10 brokerage firms, it has failed to add a backtesting feature to its proprietary platform. As for the rest of the fees, AvaTrade charges a $50 fee after three months of inactivity, and a $100 administration fee if you are inactive for one year. Before you start trading, you can backtest your strategies with eToro.\nWhat Is Financial Planning And How Can I Make One?\nOnce you create the strategies, you can test them and make any adjustments you wish. The platform is available in 41 languages, which is a huge positive since it’s not always that you find a site translated into your language. Pepperstone also clearly outlines what its customers are entitled to under each country’s prime xbt financial protection laws in case of data breaches and loss of funds. During our review process, we didn’t encounter a single glitch or lag. Our experience with Next Generation mirrors many positive online reviews. How and where the offers appear on the site can vary according to the partnership terms.\n- This means that with an account balance of just $200, you could potentially trade with $40,000.\n- Many like it because of the social investing feature that allows you to duplicate the trades of top investors on the platform.\n- As such, it’s crucial to check how easy the app is to navigate.\nUnfortunately, there are also forex trading platforms active in the online space that operate without the regulatory remit to do so. At the other end of the spectrum, some of the forex trading platforms we came across only offer support via email. This means that you might need to wait several hours to get a reply.\nThis means you’ll have access to heaps of technical indicators and the ability to deploy an automated forex trading robot. IG is also worth considering if you are looking to trade forex on margin. In fact, major forex pairs on the trading platform require a margin of just 2%, which equates to leverage of 50x. All of the forex trading platforms discussed on this page are safe – as they all hold at least one license with a reputable financial body.\nThis means that the free trading platform cannot use your money to fund its own operations and crucially – to cover its debt obligations. It is also worth noting that the way you use a trading platform can impact the fees that you pay. To avoid running into unnecessary fees, try not to hold positions overnight and ensure that you stay active on your trading account. For example, you can buy stocks that are listed in North America, Europe, Asia, and more.\nBinance Review Ireland Pros & Cons\nAs a rough guide, these fiat-to-crypto gateway fees range from 0% to 7% depending on the payment method and processor. Note that bank card transactions are the most expensive and Binance offers many zero-fee deposit options on bank deposits. There are also transaction fees to consider if you’re using the Binance Fiat gateway, and these aren’t inconsequential. Image via BloombergBinance may have been destined for greatness.\nThe recent Binance Visa Card and Binance Launchpad rollout is an additional boon to traders. From now on, Binance will continue evolving as an ideal platform for trading cryptocurrencies globally. Binance has earned its global https://www.sitejabber.com/reviews/primexbt.com presence by being recognized for its platform offerings. Its liquidity is unmatched, and the users get complete investor protection. A broad range of security protocols is implemented throughout the trading process at Binance.\nBest Decentralized Exchanges For 2023\nIf your issue can’t be immediately solved through their network of resource articles then you will be redirected to a live chat agent. But if your issue’s solution can be solved on your own, our Binance Ireland review recommends checking out the platform’s excellent FAQ page. We found in our Binance review that the app is very much safe to use as the two-factor authentication and registered devices features remain even on the app. Binance keeps the vast majority of its user funds and assets offline in cold storage facilities not connected to the internet. In the unlikely event that a hack occurs, this limits the amount of funds that are exposed and makes it less likely that Binance becomes insolvent.\n- You can be an advanced expert trader or a beginner and still make good use of your wallet on Binance.\n- They have their native Binance tokens too which I will explain further in this article.\n- Overall, it is the best exchange if you are new to crypto and want to easily buy or sell digital assets.\n- Within a year, Binance rose to global popularity with its highly effective services and advanced trading tools as a market leader in cryptocurrency exchanges.\n- Binance is the world’s most popular cryptocurrency exchange, offering top-of-the-industry security, hundreds of altcoins, and a professional-grade trading engine.\nIt has its own academy where you can learn a number of topics related to crypto investments. You should sign up if you know what you’re doing otherwise you need to get informed about the risks and opportunities. The benefit of this product is the ability to buy or sell cryptocurrencies or to trade between cryptocurrencies. Binance allows our company to view and track market trends across the crypto market. While the crypto market does not equate directly to our specific field or offerings, we want to make sure that we stay at the forefront of technology no matter what arena.\nBinance Fiat Support\nOn the app, you can buy and sell cryptocurrencies with ease, access live charts and view your portfolio. Like depositing, the limits you’ll have will depend on several factors, including your level of verification. If you want to withdraw more money each day, you can increase your limits by confirming your identity. If you’re a regular user, your limits will be determined on a case-by-case basis.\nNow, that this is out of the way, users can go ahead and fund their Binance account. While you can choose from a multitude of digital currencies, it is recommended that you stick with either BTC or ETH. Binance does not offer services to citizens of USA and bans IP originated from USA. If you are not a US citizen and travelling to USA, , you can use any VPN like NordVPN that let you change your location and have a kill-switch feature. A better thing to do is to use Binance.us which allows users from USA to access the Binance website. Once the coins are deposited in your Binance account, go to thetrade section and select BTC/BNB trading pair from the right-hand side of the dashboard.\nFeatures Of Binance Card\nDepending on your location, Binance has a wide variety of cryptocurrency pairs depending on your location. The trading platform is for both the enthusiast and the seasoned trader in need of a full range of trading tools. Here you can also access spot trading, P2P, and OTC (over-the-counter). With P2P, you can easily buy and trade crypto from the peer-to-peer exchange, while OTC allows for large trades.\nBinance Academy -An open-access learning hub for blockchain and crypto education resources. Adoption Cryptocurrency adoption is needed to make these digital assets go mainstream. We have continued to update this review since Binance was first launched . And as time has progressed, time and time again Binance have proven to be one of the very best, if not the best, exchanges available.\nHow Easy Is It To Get A Hold Of Customer Service At Binance?\nOne can directly chat with the Binance support team and procure solutions tailored to their queries. A Learn section on the Binance trading system guides every beginner on buying cryptos with educational resources. Binance ushers prime xbt login in a new storage system to expand its advanced features over its decentralized network. The BNB Greenfield is Binance’s new decentralized storage system, integrated with Web3 applications contractually and powered by BNB tokens.\n- However, it’s important to note that the global Binance platform is different from its U.S. counterpart, Binance.us, which only offers about 153 cryptocurrencies.\n- The editorial team then developed a standardized methodology, analyzing 10 key benchmark features and variables to assess quality across the platforms.\n- It’s no wonder that Binance leads the pack when it comes to daily trading volume.\n- Trading with various instruments has enabled people to earn profits from more than one source of investment.\nBNB’s initial value was around $0.1, and has continued to appreciate with the rise of Binance and BNB chain. Basic trading features count as one factor in the overall and beginner rankings. Other ranking factors include platform availability, customer service, educational resources, security and storage, staking and rewards, blockonomi.com/primexbt-review/ to name a few. Another thing to keep in mind is that although Binance.US doesn’t charge deposit fees, there are variable withdrawal fees for each coin. These withdrawal fees can range from a fraction of a cent for cryptos like BTC or around $27 for AUDIO. Binance is used by us to exchange tokens into GBP, and vice versa.\nWant To Start Your Crypto Journey? Here Are The Top 5 Crypto Trading Apps\nWe aim to provide accurate product information at the point of publication, but deals, prices and terms of products can always be changed by the provider afterwards, always check yourself. Regulation means they monitor and approve the firm and individuals working there to make sure they are operating to strict standards and processes when it comes to customers’ money. Prices fluctuate wildly , and you may find yourself making a lot of money in a short space of time, or losing a lot of money in a short space of time. This is where the phrase ‘not your keys, not your coins’ comes from – and it’s a good one to remember. If you don’t have control over the private keys of your wallet, you don’t truly own the wallet and therefore the coins.\n- Coinbase’s more than 200 tradable coins should satisfy most looking to break into the crypto space.\n- Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator.\n- However, you can instantly buy coins with a Visa or Mastercard using the Fast Trade service.\n- The funding process of a crypto exchange app is very similar to a crypto wallet or crypto wallet app, with the funds being deposited through the given public address of the relevant crypto.\n- Besides crypto futures, traditional crypto spot trading is available for a transaction fee of 0.1%.\nCryptocurrencies are a relatively new kind of investment, so the more you can learn, the better. Some apps include cryptocurrency learning centers as well as information on specific coins. Alternatively, as discussed above, you can opt to keep your cryptocurrencies in a separate digital wallet of your own. However, the security and functionality of the major exchanges should be enough for most investors. To choose the best exchange for crypto, you’ll need to decide which crypto features matter most to you. We think investors should approach these assets like any other technological investment — with a long-term mindset and the expectation of ups and downs.\nReviews Of The Best Crypto Trading Apps\nWe looked at the availability of complex trading features like advanced order types and volume discounts for frequent trading. Offers advanced features like margin trading and futures trading. The platform is headquartered in Seychelles, with blockonomi.com/primexbt-review/ a growing number of users in Asia, Europe, the Middle East and Africa. While U.S. users can access and use the trading platform, KuCoin is not licensed in the U.S. Good customer service options, including a chatbot and phone support.\nThere’s lots of crypto exchanges out there, but we only want to recommend the very best crypto exchanges – ones that we share with our friends and family. So whichever one you choose from our recommendations, you can be confident you’ll be using the very best. Some platforms are a great choice for desktop applications but can be a nightmare if you go mobile. Select a platform that offers the same user experience as their desktop application if you are always on the move. Some platforms allow users to stake selected cryptos and earn interest payments.\nWhat’s A Crypto Trading Platform?\nBoth are ideal for beginners because they verify accounts instantly, have an easy-to-use trading platform, and provide great customer support in case you need any help along the way. They also have some of the lowest fees of any platform in the UK and are known for being a reputable, trustworthy exchange. Plus500 is a leveraged trading platform headquartered in Israel. It’s one of the largest investing platforms in terms of volume, with millions of active traders worldwide. Plus500 supports 20+ crypto assets, including a mix of the largest cryptos like Bitcoin and Ethereum and promising altcoins like Polygon, Solana, and Cardano. One of Bitget’s top features is its low trading fees, which come in at an average of 0.1%.\nIf you’re trying to figure out whether a specific cryptocurrency app is safe, research the security features it offers and check if it has been hacked before. The most secure crypto apps use two-factor authentication , keep the majority of customer funds offline in prime xbt login cold storage, and have bug bounty programs. Kraken is an established crypto exchange, is really safe, has a wide range of coins and the customer service is excellent. Plus it’s one of the cheapest exchanges around and has advanced trading features for the pros.\nBest Apps To Buy & Sell Crypto In The Uk\nWhile you won’t pay commissions on crypto trades , Webull does charge a spread markup of 100 basis points on either side of a trade. Several cryptocurrencies are available for trading, including Bitcoin, Ethereum and Cardano. Charting tools and an impressive mobile app make Webull a broker worth considering. Dydx is a decentralized finance platform built on the Ethereum blockchain. It provides a suite of financial products and services, including margin trading and borrowing, lending, and trading of crypto assets. Bybit has emerged as the fastest-growing platform for crypto futures trading.\nIf correct, you’ll win a specific amount of crypto based on your bet size. Although crypto mining is becoming less popular as more cryptocurrencies use a proof-of-stake consensus mechanism, there are still a few mining apps available https://www.sitejabber.com/reviews/primexbt.com to download. The mining apps listed are the easiest to set up and let you sync multiple devices. We’ve researched the top crypto providers in Australia and concluded that eToro is the overall best option for its ease of use.\nBest Cryptocurrency Apps – Our Top 3 Picks\nDeposit costs are minimal and largely depend on the chosen payment method. They include bank cards, Skrill, Apple Pay, Google Pay, SWIFT, Fedwire, and SEPA transfers. These methods work regardless of location, but they are limited to certain currencies.\n- It also employs a high level of cyber security mechanisms with responsive customer support.\n- In the UK, it is best to use a crypto exchange or Bitcoin trading platform registered with the UK’s financial watchdog, the Financial Conduct Authority .\n- The apps come in different versions, each designed for a specific operating system.\n- You may find there are other methods accepted, such as PayPal, Skrill, Neteller, Google Pay, and Apple Pay.\n- Luno allows Nigerians to buy cryptocurrencies directly from naira-domiciled cards and domestic transfers.\nSo, that’s all they are, they’re a place to buy and sell crypto with other users on the same exchange. And because there’s no central exchange yet , it makes a difference which exchange you use – the trading fees are different, and the range of coins and the trading volume . It also means a crypto exchange is a lot cheaper in terms of trading fees and account fees vs investment platforms. Uphold is one the easiest crypto exchanges to use to buy and hold crypto – it’s perfect for beginners and those who aren’t frequent traders. It’s super popular around the world and regarded as one of the safest out there, with full transparency over funds. EToro Money Wallet comes is our top pick for the best crypto wallet app.\nBest Crypto Wallets In Europe For 2023 Reviewed\nIt also gives you the option of locking the wallet with a secure pin, kind of like a password. Mycelium allows users to operate multiple accounts and reuse addresses, making the entire process more convenient for beginner traders. They also facilitate prime xbt in-app exchange and trading for ERC-20 and BTC cryptos. Cost – The cost of a crypto wallet depends on the type of wallet. We favored reasonably priced cold wallets and hot wallets with exchanges that charge less for processing transactions.\nEToro offers the best crypto wallet in the UK for safety and features. This FCA-regulated broker offers a web and mobile wallet that doubles up as an exchange. Crypto wallets enable UK investors to store, send, and receive tokens. While many options exist, choosing a secure wallet is crucial to ensure the crypto investment remains safe and away from hackers.\nHow To Prevent The Fake Device Threat\nThis means that users can earn a passive income from their holdings without leaving the device. Trezor’s security measures are also among the best with Trezor being the first in the world to use Shamir Backup. This allows users to create multiple recovery shares to back up their private keys.\nMyEtherWallet is a market-leading Ethereum wallet that enables users to store Ether , ERC-20 tokens, and non-fungible tokens using the multi-platform wallet. Moreover, MEW users can buy, sell, swap, and exchange cryptocurrency within the wallet’s interface. Often with crypto savings accounts, when you deposit coins, you blockonomi.com/primexbt-review/ give up access to your keys. That allows the exchange to lend your crypto to other individuals. Some crypto investors find this to be unacceptable, so they choose to avoid savings accounts altogether. When you have Bitcoin or another form of crypto in a wallet, the number of coins you own doesn’t change over time.\nWhat Is The Safest Crypto Wallet?\nWhile selecting the best bitcoin debit card may seem challenging, it’s better to focus on what you’re looking for. Look at each debit card offered and see which card suits your lifestyle best. The Binance card offers low fees and security features to keep your crypto safe. The SpectroCoin card supports a wide range of digital currencies and offers users an IBAN for receiving transfers in euros. Bitcoin debit cards let you spend your crypto easily and offer all the benefits of a traditional debit card.\nChanging that light’s status is actually controlled by dedicated circuitry connected directly to a Secure Element, so a rogue bit of software cannot override it. The circuit for the lights is exposed on the top surface of the product, so any physical tampering by those maids will be visible as well. COLDCARD is the world’s most trusted and secure Bitcoin Signing Device (a.k.a Bitcoin hardware wallet).\nAs the best crypto wallet for Ethereum because its user-friendly interface provides quick and easy access to thousands of tokens and decentralized apps within the Ethereum network. EToro is a social trading platform established in 2007, with over 25 million users. Besides offering a range of traditional financial instruments, you can also use them to buy cryptocurrencies and store them in a crypto wallet.\nHot wallets are better for active traders due to their speed and practicality. However, active traders may also benefit from a cold wallet by using it as a kind of savings account, keeping the bulk of their currencies there. You’ll need to transfer crypto into your hardware wallet from elsewhere, such as from a crypto exchange. Some wallets may have an incorporated exchange that allows you to trade crypto while the device is connected to your desktop computer or mobile device.\nMore Bitcoin Security Hardware From Coinkite\nSeveral major platforms offer crypto cards that are only available in Europe. You can pledge or retake a loan coin stored in a bitcoin wallet. It is known as a bitcoin loan, which is similar to a traditional loan offered by banks. Still, the borrower is putting up more than enough Bitcoin to cover the loan and interest payments. First, you need to determine the amount of Bitcoin you want to buy.\n- In this instance, the user can download another wallet and enter the backup phrase.\n- Our wallets don’t just safeguard your crypto, they also create unique possibilities to grow your wealth.\n- Next, the user can transfer the tokens to the wallet address.\n- Most of the other current hardware devices have EAL1 to EAL5 category chips.\nHackers are becoming more and more sophisticated, so it is crucial to choose a noncustodial wallet that comes with sufficient security controls. Open the eToro wallet app and log in with the username and password that was created when opening the account. UK investors should also https://www.sitejabber.com/reviews/primexbt.com ensure that they are choosing a crypto wallet that aligns with their skill set. Each wallet type comes with its own balance of security, convenience, and features. The user will need to manually import the private wallet to another wallet should they wish to access the funds.\nBest Trading Platforms In The Uk 2023\nWith the mobile portfolio analysis tools and educational resources, you can learn and trade from your mobile device. IBKR GlobalTrader also has a neat swap feature where you can quickly switch positions in the same overall dollar amount by tapping the asset you want to sell and the one you want to buy. Both the web-based and mobile trading platforms are excellent so that traders can trade on primexbt testimonials their schedule from anywhere at any time. Their platforms offer powerful tools such as copy trading, stocks, cryptocurrencies, and forex trading. German-DutchDEGIROis a standout choice among European investors who want to reduce the costs for stock trading to the bare minimum. Over the years, the brokerage has cemented its market position as a low-cost broker, both for ETFs and US stocks.\n- If you like the sound of Interactive Brokers, this heavily regulated trading platform does not have a minimum account balance policy in place.\n- However, the broker will still be opening new accounts until it’s officially rolled into Schwab sometime in 2023.\n- This way, you can balance the risk of your portfolio, and take advantage of opportunities that lie outside of the UK’s shores.\n- TD Ameritrade is one of the largest online stock trading platforms, offering investment options that some other platforms don’t, including free Forex trading in 21 currencies.\nA competent broker should have a positive reputation for assisting clients with the deposit and withdrawal of monies from their accounts. Transaction charges will always be a part of each currency trading transaction, no matter which one you are trading. It is for this reason that you should hunt for the most competitive pricing.\nHow To Choose The Best Trading Platform For You\nTo help point you in the right direction, below you will find a selection and review of the very best trading platforms of 2023. Another important thing to consider is the distinction betweeninvesting and trading. When people talk about investing they generally mean buying assets to hold for a long period of time. The goal of investing is to gradually build wealth and reach your retirement goals. Conversely, trading involves short-term strategies that maximize returns on a short-term basis, such as daily or monthly.\nCurrent and new international traders will welcome the TWS innovations including a worldwide news feed and additional support for the Australian Security Exchange futures products. Based https://www.sitejabber.com/reviews/primexbt.com in the Netherlands, Lynx is one of the best online trading platforms in Europe. Lynx is one of the top competing platforms for stock and ETF traders due to the low trading fees.\nMexican Stocks And New Indices On Live\nMany stock trading platforms offer a certain amount of virtual money so you can try out every feature without committing any real money. Many trading platforms in the UK offer commodity trading, but it’s usually through leveraged products like spread betting or CFDs. Capital.com, eToro, and Saxo Markets have some pretty good collections – but you should be mindful when betting on commodity prices as they can be very volatile.\nWith low minimum deposit requirements, an easy-to-use platform, and social trading functionalities, eToro is the best trading platform for beginners. It also has a very easy account set-up process that can be completed within less than a day. On top of that, eToro inquires every new user about their previous trading knowledge, and limits some risky products like CFDs for those with little experience. Plus, there’s a comprehensive demo account with which newbies can test out the platform with $100,000 in virtual money. If you are interested in leverage trading, Capital.com is a great choice for CFDs while Degiro has very low fees for options, and IG reigns supreme as the best spread betting platform. For forex trading, you’ll get a solid range of currency pairs with Saxo Markets.\nExamples Of Buying And Selling Calls\nAs you can see, we entered our stake of $25 into the ‘Amount’ box. If you want to set up a stop-loss and/or take-profit order, go ahead and enter your price targets. Once you are ready to place your commission-free order, click on the ‘Open Trade’ button.\nAt other brokers, selling order flow helps compensate for revenue lost by offering commission free trades but often results in compromised execution quality. The Follow Feed feature enables you to see the trades taken by a group of experienced traders, helping you to keep ideas flowing. You can tailor who you follow in the feed based on your interests. You can even follow the trading activity of founder Tom Sosnoff, who was a floor trader at the Chicago Board Options Exchange early in his career. It is always a good idea to first test trading ideas in a virtual environment.\nEtoro – Best European Trading Platform With 0% Commissions On Etfs\nOn top of offering low fees and a huge CFD asset library, Plus500 is also popular with traders that seek leverage. Although the platform comes packed with real-time pricing charts and several order types, Plus500 is a bit weak when it comes to technical blockonomi.com/primexbt-review/ analysis. Upon researching hundreds of online providers, we found that eToro is one of the best trading platforms to consider in 2023. First and foremost, the broker is perfect if you are just starting out in the world of online trading.\nThe brokerage firm sets itself miles apart from competitors when it comes to training materials and client support. Its extensive, free-to-use library holds in-depth video courses with supplementary text, graded into levels of difficulty or topic. UK residents should note that cryptocurrency trading at XTB is not available to them anymore due to FCA restrictions.\nBest Forex Trading Platform 2023: Overview Of The Best Platforms For Forex\nAvaTrade is a trusted global broker, offering a secure and regulated trading environment. AvaTrade has been committed to providing its clients with the best possible trading experience for 16 years, and its top-notch forex trading programs are in line with this goal. Whether you are a beginner or a veteran, AvaTrade has something to offer. Although the platform comes with lots of functionalities and its interface is visually appealing, it might be too complicated for less-experienced traders. You can customize the workstation to fit your unique needs. The mobile app also comes with advanced features and tools.\nIn some cases, you will have to answer some questions about forex trading so the broker can determine how much you know. If you can’t answer, or get the answers wrong, some legit forex brokers will primexbt testimonials refuse to open a live account for you. Our mission became to share our foolproof methodology with everyone so that you can access all the information you need to select a trusted forex broker.\nThe information provided on this website is general in nature only and does not constitute personal financial advice. Before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Investing in CFDs and Margined FX Contracts carries significant risks and is not suitable for all investors.\nThere are several actions that could trigger this block including submitting a certain word or phrase, a SQL command or malformed data. Special Note, the content of the Wikifx site is for information purposes only and should not be construed as investment advice. The client understands and takes into account all risks arising with Forex trading is not relevant with WikiFX, the client should bear full responsibility for their consequences.\nHow We Examine The Best Forex Trading Brokers\nAs a programmer and trader I think that the platform is the best in every way. I have a real account with Dukascopy since October 2018 and I really enjoy trading on its flagship platform . I deeply recommand this broker for every one who is looking for a honest and serious broker. And last but not least, DUKASCOPY offers a strong regulation that guarantees my money and my personal data. Forex.com allows you to automate your trading and get access to more than 80 trading markets. Ally’s customer support may not have the fastest response times, but the team is available from 10 a.m.\nDeposit and withdraw your funds via crypto, cards and other methods. Manage your risks and maximize your profits even with small investments. blockonomi.com/primexbt-review/ Get your profit withdrawal in several minutes on your wallet. Deposit and withdraw your funds via crypto,cards and other methods.\nAutotrade collects trade recommendations from newsletter providers and enters them into your account. Of course, you have to enable automated trade executions first. Note that the TradeWise subscription is free the first two months, and after that you’ll be charged $20/month per trading strategy. Analysis tools are where TD Ameritrade’s desktop platform truly shines. There are more than 400 technical indicators, and tweaking charts is extremely simple. The number of indicators on the web platform is less impressive – you’ll only find 11 of them.\nBeing regulated by top-tier financial authorities, having a long track record and a banking background are all good signs for Saxo Bank’s safety. Our expert team has done all the work for you, and reviewed brokers based on BrokerChooser’s unique methodology. If you are unsure how brokerage fees work, check out this article on the various fees, charges and costs. Pepperstone – Great variety of deposit/withdrawal options. Fusion Markets – One of the lowest commissions on the market. Study this article to learn more about the pros and cons of oil trading, as well as oil futures, options, ETFs, CFDs, etc.\nTry Swiss Forex Marketplace\nA trading platform is a software application provided by the broker that allows traders to examine price action behavior, execute trades and manage their accounts. Look for a platform that is easy to use, offers a range of trading tools and indicators, and is available on multiple devices. XM is an award-winning forex and CFD broker that serves clients from 196 countries on 5 continents. We have clients from over 196 countries and staff speaking over 30 languages. Our management has visited over 120 cities globally to understand clients’ and partners’ needs.\n- Being a part of the Data Center, it is the core of the software package.\n- A liquidity rebate ranging from $5 to $10 million is available for those who trade at extremely high volumes.\n- For example, some accounts offer zero commissions and wider spreads, while others allow you to trade currency pairs at 0 pips.\n- It also serves customers in Asia, EMEA, and Latin America.\n- Unfortunately, HYCM does not serve customers in the USA; however, it is a great choice for individuals living in 140 other countries.\n- The responsibility for the subscription lies entirely with the investor.\nOdds are that the prices of those currencies are checked and reliable. The most traded currency pairs are those in which the USD (as the world’s former spare currency) is one of the two currencies. A currency trader should know that higher risk could translate into more profits or lead to significant losses. The idea is to avoid getting carried https://www.sitejabber.com/reviews/primexbt.com away by sudden jumps or drops in certain prices and by prospects of unexpected earnings. After you’ve developed your strategies, you can backtest them within Ally’s platform. Whether you’re a top forex broker or someone who’s new to the field of currency trading, you’ll appreciate the usefulness of the automation and backtesting features.\n13 Best Cryptocurrency Platforms And Exchanges In 2023\nThere’s also an advanced trading platform for serious cryptocurrency enthusiasts. Plus, you can earn some free cryptocurrencies if you’re willing to take some educational courses. Some exchanges have inbuilt trading bots, such as Gate.io, Kucoin, and BingX. The blockonomi.com/primexbt-review/ best Bittrex trading bots include 3Commas, CryptoHopper, Bitsgap, etc. Further, you can also automate your crypto trading free bots. However, SuperAlgos is pretty complex for beginners; hence, you can instead use one of the 16 free trading bots of Pionex.\nThere are more than 4,000 different cryptocurrencies in existence, and some are far more legit than others. Most investors should stick to bitcoin and other large, established digital currencies. Reputable cryptocurrency apps take security seriously and are safe to use. Two of the best options in terms of safety are Gemini and Coinbase, which are known for employing industry-leading security measures. Some of the best exchanges for cryptocurrency, like Coinbase and Gemini have built-in wallets.\nCrypto Options Trading Vs Traditional Options Trading\nWithdrawal fees for individual cryptocurrencies are markedly low, and ACH transfers are free of charge. Centralized crypto exchanges are managed by one organization. primexbt .com Centralized exchanges make it easy to get started with cryptocurrency trading by allowing users to convert their fiat currency, like dollars, directly into crypto.\nTherefore, being an extremely popular exchange platform that has really low fees, Binance surely deserves a shot, especially if you are interested in trading Bitcoin for free. This program is for trading BTC on the BTC/TUSD spot trading pair offered by the platform. What’s more, Binance also has a zero trading fee promotion for the BUSD/USDT stablecoin pair.\nRecent Best Free Crypto Trading Platform In 2023 User Reviews\nThe exchange offers an easy-to-use trading platform and high quality education materials. Crypto exchanges like Binance or Coinbase only have digital currencies in their product portfolio. Alternative service providers such as Cash App and PayPal have also jumped on the crypto wagon https://www.sitejabber.com/reviews/primexbt.com and offer cryptocurrencies to U.S. users. Leading crypto exchanges typically hold user funds in cold storage to ensure the safety of assets. While BitMart has a lot to offer for experienced crypto traders, the exchange has received some poor customer feedback over the years.\nWith no deposit fees and a focus on customer education, MEXC is committed to helping users become successful traders. A lot of the best crypto trading apps let you transfer money from your bank account for free. But it is worth checking for crypto transaction fees, as some will charge up to 1.5%, especially if you use a debit card. If you want to pay by credit card, be aware that you’re likely to get charged at least 3.5% and your bank may also treat it as a cash advance. Adding cryptocurrency to your investment portfolio is becoming increasingly popular.\nStep 1: Open An Etoro Account\nA few traditional brokers, including Interactive Brokers and TradeStation, also allow bitcoin purchases. Lastly, you can use a Bitcoin ATM, though you will need a Bitcoin wallet for this last method. Every crypto exchange has its own registration and setup process.\nThis information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions.\nHow Do Crypto Exchange Fees Work?\nWhile exchanges often reimburse those whose coins are stolen, nobody wants to be in that position in the first place. On a basic level, makers are orders that add liquidity to an exchange, meaning they do not fulfill standing orders. Takers, meanwhile, remove liquidity from an exchange by completing orders that are waiting for a trade. Depending on the exchange, maker fees are usually slightly less than taker fees, although this isn’t always the case. Several types of customer service are available, from chatbot to phone support. Offers advanced features like margin trading and futures trading.\n- While instant buy fees on Kraken’s main platform are quite high—up to 1.5%—fees on Kraken Pro are very low.\n- Huobi, established in 2013, is one of the longest-running cryptocurrency exchanges in existence.\n- The platform uses multi-signature wallets to ensure that all transactions are secure and protected.\n- Key metrics included the number of cryptocurrencies available to trade, the number of fiat currencies accepted, the exchange’s overall liquidity and trading fees.\nAnother reason to choose eToro is that it is one of the few crypto exchanges to support traditional securities. This includes more than 3,000 stocks from the US, UK, Germany, Hong Kong, and over a dozen other exchanges. It has a user-friendly design that makes it easy to buy and sell crypto, a wide selection of coins, and modules with educational content. Coinbase even rewards you with free crypto when you complete its educational modules. Exchange cryptocurrency for fiat currency (like U.S. dollars), or for cryptocurrencies tied to fiat currencies.\nBest Crypto Exchanges In Cyprus Regulated Platforms\nSafello’s services are available in 32 European countries – both EU member states and countries outside the union. Safello is completely compliant with EU and Swedish law to ensure reliable service customers. Instead, it uses a “spread model”, meaning all fees (banking, forex fees, etc.) and commissions are included in the buying and selling price. FOREX Back Office Software Our B2Core solution includes FOREX CRM, Back Office and Trader’s Room functions.\nCleanTalk–Used to prevent spam on our comments and forms and acts as a complete anti-spam solution and firewall for this site. CleanTalk sets this cookie to prevent spam on the site’s comments/forms, and to act as a complete anti-spam solution and firewall for the site. CleanTalk sets this cookie to prevent spam on comments and forms and act as a complete anti-spam solution and firewall for the site. Tony M Great App Great demo option,and some very valuable lessons for beginners.Just have to pluck up the courage to start with real money now.\nThe Capex Original Account\nStrictly Necessary Cookie should be enabled at all times so that we can save your preferences for cookie settings. We might use your IP address and browser type to help analyze usage patterns and diagnose problems on this Site and improve the service we offer to you. But without additional information, your IP address does not identify you as an individual. Across the blockonomi.com/primexbt-review/ sector, concerns are high about about reserves and solvency after bankruptcies last year, including the collapse of FTX. Tickmill Europe Ltd is authorised and regulated by the Cyprus Securities and Exchange Commission – CySEC (CIF Licence number 278/15) and is a Member of the Investor Compensation Fund . Take advantage of tight spreads and competitive commissions.\n- You should engage in any such activity only if you are fully aware of the relevant risks.\n- We examined more than 20 crypto exchanges to identify the premier choices for investors in Cyprus.\n- Revolut, valued at $33 bln, became the first entity to receive approval as a crypto-asset service provider from the Cyprus regulator, according to a company announcement.\nA package based client cabinet designed to meet your specific needs according to the type of business you operate.Article What Are Affiliate Programs And How Do They Work? A popular solution that is offered by many brokerages.MAM Software Highly popular multi-account management software that helps you attract the best traders and money managers. A must-read if you are looking for an efficient, multi-featured back-office solution. Although Bank of Cyprus doesn’t directly handle digital currencies, it encourages its customers to delve into cryptocurrency through Cyprus Securities and Exchange Commission regulated brokers.\nBitcoin Trading And Taxes In Cyprus\nIn conclusion, Bank of Cyprus doesn’t provide direct cryptocurrency investment options through its 1bank platform but allows customers to transfer funds to CySEC-regulated exchanges for buying and selling digital assets. Uphold is recommended for its fast deposits, regulatory compliance, and diverse asset offerings. In summary, Bank of Cyprus customers can securely explore the world of digital assets via CySEC-regulated platforms, with eToro standing out as the top choice due to its wide trading options and user-friendly interface. Despite not offering direct cryptocurrency services, the Bank’s flexible policies foster a conducive environment for digital asset trading, highlighting its commitment to innovation and customer service. As with any investment, thorough research and risk consideration are crucial. MT4 White Label A White-Label solution for FOREX brokers who wish to offer their clients the MetaTrader 4 trading platform at a lower price.\nTalos incorporates connectivity , multi-dealer RFQ, execution algos, and smart order routing. Easily trade across multiple portfolios with streamlined allocations and reporting. Leverage the most advanced trading system for digital assets. We at B2Broker, one of the leading liquidity providers on the market, are happy to announce the expansion of our crypto offering including the coins listed above. Crypto exchange Huobi plans to lay off about 20 per cent of its staff, the company told Reuters on Friday, in the latest instance of cost-cutting in the industry as investor interest in digital assets wanes.\nRevolut Chooses Cyprus As Crypto Hub\nB2Broker ensures your brokerage is fully equipped to maximise the performance of your business operations backed by solid, long-standing expertise so you can run your operations with confidence. Contracts for difference , are a simple and cost-efficient way to trade on a wide variety of financial markets without having to own the underlying asset. As specialists in this area, B2Broker offers liquidity for CFD on equities, ETFs and commodities. Our trading platforms offer you a world-class trading experience with numerous features and tools that suit your trading style. The main services of the platform are buying and selling cryptocurrencies, spot trading, and staking.\nEvery offshore company in Cyprus must file accounts records with the tax authorities and Registrar of Companies. The first of these is due no later than 18 months after the date of incorporation. Additionally, auditing is a requirement for all subsequent filings. The above description of Cyprus succession laws is made on the assumption that the treatment of the https://www.sitejabber.com/reviews/primexbt.com succession of cryptocurrencies will be the same as for movable property in Cyprus. We have no other indication thus far as to how the succession of cryptocurrencies will be treated once a legal framework is formed. At the moment, there is no legal framework, regulation and/or guidance as to how testamentary succession of cryptocurrencies should be treated.\nOther Fees At Forex Brokers\nStoring your own coins on your personal hardware wallet mitigates that risk. To begin buying bitcoin and other cryptocurrencies you will need to link a bank account or credit card to the exchange. Cyprus has 9 trusted exchanges available for you to sign up for, with the most popular being Binance and Kraken, which account for a combined primexbt testimonials 99,000,000 active users. A bank account or credit card you can use to make fiat currency deposits to purchase cryptocurrencies. Changelly offers two-factor authentication and an HTTPS security protocol. No user funds are stored by Changelly as all coins sent are processed to be exchanged and transferred to user wallets.\n- Their mobile app is available on Android (4.3/5 ration) and iOS (also 4.3/5 rating), and they have excellent reviews on Trustpilot, averaging a rating of 4.2/5.\n- In-house experts and our teams are present at all times, along with market data providers, to ensure that all the needs are met, and the relevant content is delivered.\n- Until now I have only good things to say about this platform.\n- Copy / Social Trading Broker As well as the option to trade in foreign exchange markets, your clients have the opportunity to check statistics and copy the trades of other network members.\nThese audits verify the total amount of cryptocurrency held by Kraken. The company appears to be well-capitalized and very safe to use. Binance provides 2-factor authentication and offers both multi signature wallets and cold storage options. \"We are excited to be nominees for the upcoming Cryptocurrency Awards, and we look forward to the results,\" said one of the high executives of PMGroup365 we talked to. The CAPEX Basic account requires only the minimum deposit of $100.", "label": "Yes"}
{"text": "Female Footballers Drop Turf Complaint European Clubs Call For Spring World Cup Putin: World Cup Security To Be 'Effective' Rummenigge: Move Qatar 2022 To April Malawi Could Forefit 2015 CAN Qualfiers Football Notes Blatter Says Russia Way Ahead In WC Prep Barcelona Tops Homegrown Talent Table IOC, FIFA Agree To Prevent Clash Football Notes\nEnter amount in full numerical value, without currency symbol or commas (ex: 3000000).\nUpcoming Conferences and Events\nSBD Global/March 13, 2014/International Football\nNigerian Football Federation Projects $12 Million In Player Bonuses For World Cup\nPublished March 13, 2014\nBONUS PAYMENTS: INSIDE WORLD FOOTBALL's Paul Nicholson wrote \"bonuses to its national team players and officials has begun for the World Cup already.\" But while there is a will to pay, \"there may not be a way with the current budget for the 2014 tournament.\" The \"current proposal\" is for players to be paid $10,000 per win in the group stages, $12,000 in the round of 16, $15,000 in the quarterfinals, $20,000 in the semifinals and $30,000 for winning the final. The \"total win bonus each player would receive if Nigeria win\" the World Cup would be $100,000. Coach Stephen Keshi will get $20,000 \"while his assistants will each receive\" $15,000. Players also receive a $200 \"per day daily camp allowance.\" Currently \"the expected shortfall on the budget\" could be as much as $5M (INSIDE WORLD FOOTBALL, 3/12).", "label": "Yes"}
{"text": "While many mortgage brokers try not to provide loans to individuals with bad credit, some loan providers really do provide to borrowers with reduced ratings.\nThe easiest definition of the subprime mortgage is a mortgage with a lot higher interest than the mainstream loans which can be found to borrowers with better — or “prime” — credit. Regrettably, numerous subprime loans not just have greater prices, nonetheless they likewise have other features that may result in the loans high-risk.\nDue to the fact CFPB explains, subprime loans could be put up as adjustable price mortgages. ARMs typically provide a preliminary marketing interest that is lower than what you could get having a fixed-rate home loan, however the interest — along with your payments — can rise following the term that is introductory.\nSome subprime loans also provide negative amortization. This takes place if your payments that are monthly enough to pay for the attention due on your own home loan, rendering it more challenging to pay for down the loan stability. Negative amortization leads to balance growing each month since the unpaid interest is put into the unpaid stability on your own loan click to read.\nTable of Contents\nWhat are the good options if you would like home financing with bad credit?\nThis doesn’t mean you can never find an affordable mortgage with bad credit while avoiding subprime loans is important because of the risks.\nThe Federal Housing Administration works together with lenders to aid individuals be home owners regardless of if their fico scores aren’t excellent. The FHA insures loans that loan providers make to riskier borrowers in order that lenders could possibly offer funding at reduced prices sufficient reason for better terms.\nFHA loans enable borrowers with down re re re payments as little as 3.5per cent to be eligible for real estate loan programs, so long as their fico scores are 580 or more. For homebuyers with ratings between 500 and 579, it is nevertheless feasible to get home financing assured because of the FHA, but the absolute minimum 10% advance payment is required — as an example, you’d have to make at least a $20,000 down payment if you were buying a $200,000 home. In the event the ratings are below 500, you can’t be eligible for a home loan that is fha-insured.\nQualified veterans, present solution people and surviving partners of solution users could possibly be eligible for a mortgage through the Department of Veterans’ Affairs. And low- to moderate-income borrowers in qualified rural areas might be able to find that loan through the U.S. Department of Agriculture.\nSome states also offer programs to facilitate homeownership by providing borrowers that are eligible chance to get a mortgage with bad credit. As an example, their state of the latest York Mortgage Agency provides assist to homebuyers that are first-time. There’s no minimum for fico scores for SONYMA loans, even though there are also eligibility demands.\nHow to locate a home loan with bad credit\nAnybody who shops for home financing, no matter where their fico scores land, should compare prices and terms from various loan providers. That is particularly crucial as soon as your credit helps it be difficult to acquire home financing loan with affordable terms. It is possible to compare loans from various kinds of loan providers, like …\n- Home loan businesses\n- Nationwide and community banking institutions\n- Credit unions\nHome loans can compare prices with a lender based on your needs, but aren’t required to find you the best deal unless acting as your agent under contract for you to match you. Agents additionally typically charge a payment for solutions, that could be compensated at closing or could are available in the type of a greater rate of interest. This charge may be split from other mortgage-origination expenses or other costs. And it may often be tough to determine if you’re dealing with a loan provider or an agent, therefore make sure to ask.\nWhen you’ve got bad credit, numerous lenders could be reluctant to work alongside you, or you could find interest levels are prohibitively high from lenders who will be prepared to give you that loan. To get loan providers providing FHA loans that may have better terms, utilize the Lender Re Re Search List offered because of the U.S. Department of Housing and Urban developing.\nShould you are taking a mortgage out with bad credit?\nThrough the lender’s mortgage application process, you’ll find away if you’re qualified to receive financing. But being qualified for the loan does not indicate you need to go on it. In reality, there are numerous circumstances for which you ought to probably drop to borrow.\nYou may n’t need to borrow …\n- In the event the mortgage repayments will go beyond around 30percent of one’s month-to-month earnings. It may be hard so that you could pay the repayments, which may place you in a position that dangers property foreclosure.\n- If you’re offered home financing just at an extremely high rate of interest. You’ll make higher monthly obligations, as well as your loan will surely cost more as time passes than whenever you can hold back until your credit enhanced adequate getting a significantly better deal.\n- In the event your credit ratings are low as you have difficulty having to pay bills or have actually lots of financial obligation. In the place of including another major obligation that is financial you might hold back until your financial troubles is in order.", "label": "Yes"}
{"text": "Early closing is \"crushing blow\" to pubs and restaurants\nBy Rob Freeman | 22nd September 2020\nClosing at 10pm as part of new government restrictions in the fight against coronavirus will deliver \"another crushing blow\" to many pubs and restaurants according to leading trade figures.\nThe Government has announced the change at hospitality businesses in England from Thursday as part of the latest measures against rising numbers of coronavirus cases.\nChief scientific adviser Sir Patrick Vallance warned yesterday that the current rate of increase would lead to 50,000 new cases each day by mid-October.\nCabinet Office Minister Michael Gove told the BBC closing at 10pm had a \"beneficial effect\" when introduced in parts of the country last week.\nBut UK Hospitality chief executive Kate Nicholls warned the move could prove one blow too much for many businesses - with minimal benefit.\nShe said: \"These restrictions will come as another crushing blow for many hospitality businesses struggling to recover so it's crucial these new rules are applied with flexibility.\n\"A hard close time is bad for business and bad for controlling the virus - we need to allow time for people to disperse over a longer period.\"\nShe said the early closure would reduce revenues by 50 per cent as food orders would need to stop at 9pm.\nThe measures will also include compulsory table service at all venues.\n\"Table service has been widely adopted in some parts of the sector since reopening but it is not necessary across all businesses, such as coffee shops,\" she said.\n\"We agree with the Government that we are all in this together. Hospitality has played its part by investing in Covid-secure venues and reassuring their customers.\n\"Now, it's time for Government to demonstrate its commitment to the sector and its recovery - hundreds of thousands of livelihoods depend upon it.\"\nHer views were echoed by the British Beer & Pubs Association which said a 10pm curfew \"will devastate our sector\".\nChief executive Emma McClarkin said: \"Pubs were struggling break even before today and these latest restrictions will push some to breaking point.\n\"Removing a key trading hour on top of fragile consumer confidence and the reduced capacity pubs already face will put thousands more pubs and jobs at risk.\n\"During the current circumstances every hour of trading it crucial to the survival of pubs - for many this curfew will render their businesses unviable.\"\nShe continued: \"The Government now needs to act fast in putting together a comprehensive support package to ensure that thousands of pubs don't close their doors for good because of this curfew.\"\nShe said the new measures were particularly tough in areas which were not seeing a major rise in cases.\nCopyright 2020 Moose Partnership Ltd. All rights reserved. Reproduction of any content is strictly forbidden without prior permission.", "label": "Yes"}
{"text": "Ep1: What is Cownomics? 🐮 – Cownomics\nWhen it comes to the new Farm Laws in India, the west has spiralled out of control into spinning its own version of the reality of agriculture in India. Many western activists, scholars, environmentalists and journalists, of the likes of Greta Thunberg, Russel Brand and such influencers have opined that the new farm laws are against the environment and a healthy food supply chain. These assumptions are based on an utter lack of understanding of the ground reality of Indian villages at large and the farming sector in specific.\nFor starters, the most vociferous protesters hail from Punjab, abode of the richest farmers who do not farm the land themselves. Many of these protestors have been destroying public property including communication lines, blocking roads, and most recently hoisted a Khalistani (terrorist) flag during the Republic Day parade in the capital city. Due to these disruptions around the national capital region, many farmers from villages in Uttar Pradesh could not sell their crops, and had to destroy all their crops, going broke. So, the protests do not protect the interests of the small farmers in the first place.\nThe contention of the environmentalists and conscious eating activists is that the reforms will encourage the corporate takeover of Indian food supply, and equate it to the previous Green Revolution which saw the influx of inorganic pesticides and GMO seeds into India. Now, it is worth noting that the farmers currently using Monsanto seeds are the farmers of Punjab, who also burn stubble during the winter months; the smoke from the burnt stubble mixes with the fog to create a heavy toxic smog in the national capital region, creating a threat to public health every year. If the protests were about saving the environment, they would not be coming from a party guilty of destroying the environment and health of people.\nThe other argument is that the flexibility of “contract farming” can lead to corporate takeover of food. The reality is that currently, in the APMC structure, it is a monopsony—a buyer’s market. The middlemen in the Mandis control the pricing and who sells what to whom. In the existing structure, it is illegal to sell outside of this Mandi system. Also, there is often one Mandi serving 500km, and there is a high transportation cost, and environmental cost due to fuel combustion, just for food to reach the public. It is, also, far easier for big food companies to control the food supply in this setup, rather than in a setup which opens up free markets. The new laws do not dismantle the APMC structure, but they dissolve the hegemony they enjoy by allowing farmers to sell outside the structure as well. This allows farmers to hedge the farming risks associated with changes in climate, cover their costs, and also to work with organic food companies and food-tech startups which would otherwise struggle with the bureaucracy of the APMC structure. The new laws, essentially, dissolve some of the power enjoyed by the corporates, and make way for innovation and indigenous methods of farming.\nThe Indian farmer from a small village often earns as low as one rupee per kg cauliflowers, which are often sold for anything between INR 15-20/kg in the vegetable market. The money falls through the cracks, into the hands of the numerous middlemen.\nThe new farm laws are a progressive step that will be good news for inculcation of better farming practices that do not ruin the soil, and are better for the environment. Anytime any policy aims at redistribution of power, it is disruptive and hence, is disliked by those who do not want to relinquish their power. The Farm laws are caught in this cul-de-sac, even though they could potentially improve India’s economic situation and take it out of the worst economic recession India has seen in a very long time.\nRead more on the details of the Farm Laws here.\nImage by Nandhu Kumar from Pixabay", "label": "Yes"}
{"text": "Undiscounted optimal growth in a Leontief two-sector model with circulating capital: The case of a capital-intensive consumption good\nAbstractThis essay presents a complete characterization of undiscounted optimal policy in a Leontief two-sector growth model. We work with the precise technological specification used in Nishimura and Yano [Nishimura, K., Yano, M., 1995. Non-linear dynamics and chaos in optimal growth: an example. Econometrica 63, 981-1001; Nishimura, K., Yano, M., 1996. Chaotic solutions in dynamic linear programming. Chaos Solitons & Fractals 7, 1941-1953; Nishimura, K., Yano, M., 2000. Non-linear dynamics and chaos in optimal growth: a constructive exposition. In: Majumdar, M., Mitra, T. (Eds.), Optimization and Chaos. Springer-Verlag, Berlin, pp. 258-295] and employ a geometric method developed by Khan and Mitra [Khan, M.A., Mitra. T., in press. Optimal growth in a two-sector model without discounting: a geometric investigation. Japanese Economic Review]. Our analysis uncovers rich transition dynamics. Monotonic convergence emerges only under a non-negligible set of parameters with two special features; impossibility of full utilization of factors and convergence in a finite number of periods. Moving beyond this special case, full utilization is not always optimal even if it is feasible. Furthermore, with 'large enough' capital stock the optimal policy becomes a constant.\nDownload InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.\nAs the access to this document is restricted, you may want to look for a different version under \"Related research\" (further below) or search for a different version of it.\nBibliographic InfoArticle provided by Elsevier in its journal Journal of Economic Behavior & Organization.\nVolume (Year): 66 (2008)\nIssue (Month): 2 (May)\nContact details of provider:\nWeb page: http://www.elsevier.com/locate/jebo\nPlease report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on \"citations\" and make appropriate adjustments.:\n- McKenzie, Lionel W., 1983. \"Turnpike theory, discounted utility, and the von Neumann facet,\" Journal of Economic Theory, Elsevier, vol. 30(2), pages 330-352, August.\n- Ronald W. Jones, 1965. \"The Structure of Simple General Equilibrium Models,\" Journal of Political Economy, University of Chicago Press, vol. 73, pages 557.\n- Ali Khan, M. & Piazza, Adriana, 2011. \"Optimal cyclicity and chaos in the 2-sector RSS model: An anything-goes construction,\" Journal of Economic Behavior & Organization, Elsevier, vol. 80(3), pages 397-417.\n- Khalifa, Sherif, 2013. \"Undiscounted optimal growth with consumable capital and capital-intensive consumption goods,\" Mathematical Social Sciences, Elsevier, vol. 65(2), pages 118-135.\n- Khalifa, Sherif, 2011. \"Undiscounted optimal growth with consumable capital and labor-intensive consumption goods,\" Economic Modelling, Elsevier, vol. 28(4), pages 1673-1682, July.\n- Gomes, Orlando, 2013.\n\"Information stickiness on general equilibrium and endogenous cycles,\"\nEconomics - The Open-Access, Open-Assessment E-Journal,\nKiel Institute for the World Economy, vol. 7(4), pages 1-43.\n- Gomes, Orlando, 2012. \"Information stickiness in general equilibrium and endogenous cycles,\" Economics Discussion Papers 2012-46, Kiel Institute for the World Economy.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Zhang, Lei).\nIf you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.\nIf references are entirely missing, you can add them using this form.\nIf the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.\nIf you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the \"citations\" tab in your profile, as there may be some citations waiting for confirmation.\nPlease note that corrections may take a couple of weeks to filter through the various RePEc services.", "label": "Yes"}
{"text": "FXstreet.com (Córdoba) - Markets in the US ended the day at the same levels it had at the opening bell. During the session main indexes bounce between gains and losses but finished flat practically unchanged. The Dow Jones rose 0.04% and the Nasdaq 0.01%. The Dollar also ended the session unchanged against the Euro and the Yen, rose to the Swiss Franc but fell to the Pound.\nThe Dollar and the Yen where among the best performer of the day, despite pulling back during the American session. The Swiss Franc fell across the board.\nGBP/USD plunged on Wednesday for the third consecutive day. During the American session Cable recovered from the bottom and rose to 1.6250. Earlier the pair fell to 1.6155 posting a one-month low. Despite the small recovery, Pound also fell against EUR and JPY. EUR/GBP rose to 0.8800 (fresh two-month high) but failed to break above. GBP/JPY bell below 153.00 to 152.20, posting the lowest price since July 14.\nEUR/USD decline during the European session below 1.4300 and tumbled to 1.4205. After the opening bell at Wall Street the Euro got stronger and started to rise, erasing part of previous losses. The pair found resistance at 1.4255 and finished the day below 1.4300 for the first time since August 20.", "label": "Yes"}
{"text": "Active Darknet Markets\n\"Hydra Market\" -- active since at least 2022 -- was used to sell illegal drugs, forged documents, intercepted data and \"digital services\". The dark web isthe part darknet drugs market of the web you can only access with a special browser, There are countless stories of dark markets where you can. SAN FRANCISCO Authorities in the United States and Europe recently staged a wide-ranging crackdown on online drug markets. The most famous is Silk Road, an anonymous site that operated. Empire Market is the biggest marketplace on the dark web in the Western. Dark Net marketplaces continually shut down for a number of reasons, causing those markets' users to actively search for alternative spots. UniCC has been active since 2022 with tens of thousands of new stolen credit cards listed for sale on the market each day.\nDATACRYPTO crawled five different cryptomarkets during the first months of 2022: Evolution, Nucleus, Abraxas, BlackBank and Silkkitien. The. In 2022and remember we still have one month left in the yearthere were only 37 active darknet markets, the lowest number of darknet. By J Buxton Cited by 116 on Dark Net drug markets, with on line sales projected to increase exponentially due to countries and are currently most active in. Active Darknet Markets Darknetlive Darknet Market wallstreet market List White House Market Monopoly Market Versus Market ToRReZ Market Square Market Dark0de. 264 Based on active listings data from AlphaBay, Dream Market,. Hansa, TradeRoute and Valhalla darknet marketplaces, spanning from the launch of. Dark Net marketplaces continually shut down for a number of reasons, causing those markets' users to actively search for alternative spots.\nRead more CANNAHOME MARKET Active CannaHome is a darknet wallstreet market url market that exclusively sells cannabis products and shrooms. Cannahome Darknet Market. 49. \"Hydra Market\" -- active since at least 2022 -- was used to sell illegal drugs, forged documents, intercepted data and \"digital services\". Q: How many active darknet markets are there? A: Around 60 or 70, maybe more. Some are markets, some are vendor shops and some are forums. Cannazon What are the popular and active DWMs? Deep Sea cannazon market darknet House cannazon market darknet Magestic cannazon market darknet cannazon. UniCC has been active since 2022 with tens of thousands of new stolen credit cards listed for sale on the market each day. Before navigating markets on the dark web, you will need to install the TOR the dark web markets and deep web forums, are actively performed on Reddit.\nThe active criminal underground as either high-tier criminal forums, lower-tier but still explicitly criminal forums, or wallstreet market darknet dark web market. \"Hydra Market\" -- active since at least 2022 -- was used to sell illegal drugs, forged documents, intercepted data and \"digital services\". Q: How many active darknet markets are wallstreet market link there? A: Around 60 or 70, maybe more. Some are markets, some are vendor shops and some are forums. In April 2022 they found three new markets - Agartha, Dream Alt and Samsara - were added after Wall Street and Valhalla were seized by law. Marketplace Stops Accepting Bitcoin. White House Market is one of the most active darknet markets. Tuesday, 29/12/2022 03:09 GMT-7 by Arnab Shome. One of the largest darknet markets, White House, announced the market Redman has been an active member of the cryptocurrency community.\nThe platform had been active wall street market darknet at least since 2022. Prosecutors said that, as well as illegal drugs, forged documents, intercepted data and. Cartel darknet marketplace. Darknet, led to 90 active investigations around the country and the arrest These cartels are the Sinaloa Cartel, Jalisco New. On all markets, weapons for sale included 1497 handguns, wallstreet link 218 rifles, 18 (active darknet markets) of whom were active across more than one market. By J Buxton Cited by 116 on Dark Net drug markets, with on line sales projected to increase exponentially due to countries and are currently most active in. The initial aftermath of the AlphaBay seizure led well-known personas on dark net markets to flock to an unlikely place. The r/DarkNetMarkets. Darknet market revenue is on the rise in 2022. by the fact the number of active darknet markets themselves are also on the decline.\nWith a restaurant on TripAdvisor, a potential customer may see an average rating and go anyway; the active darknet markets worst that can happen is an average meal. The HOTP mechanism uses a hash-generated one-time password that allows users to securely log in to various websites often through their mobile phone using an authentication application. White House Market is a highly secure darkweb market with both TOR Network and IP2 mirrors. Its products are classed into various subcategories, ranging from Weeds, Hash, Concentrates, Edibles, etc. I don't believe either of those are under the control of law enforcement. An investor may also refer to a relatively large holding of a cryptocurrency as a 'heavy bag. On the Dark Web, you can browse web pages, like you would the regular Internet. Law enforcement authorities have always been in search of means to catch those who commit crimes on the Internet. Figure 11 shows that activity for migrants overall is higher than the non-migrants.\n“This often happens when a project transitions from using a third-party blockchain (such as Ethereum) to operating their own proprietary blockchain. Silk Road uses two payment methods: finalize early and an escrow system.”\nMit steigender Rechenleistung sollte es auch immer leichter werden, Monerozahlungen verfolgen zu können. You will then be asked to select the amount of bitcoin that you want to transfer to your darknet wallet. Court documents and official statements released this week say the site actually was run by Canadian citizen Alexandre Cazes, who lived in Thailand, had bank accounts in Switzerland and Liechtenstein and owned properties in Cyprus and the Caribbean. The first part of this research that I published last November has so far been the single most popular post on my site, with literally THOUSANDS of readers, some of whom reached out to me directly. Earlier this month, the popular drug-and-weapon peddling darknet market Evolution vanished in an apparent scam by its creators. Considering the Empire Market exit-scam, this has become one of the most important factors users seek in a marketplace, hasn’t it? There are a wide array of available SDKs catering to different platforms and use cases within the blockchain development scene and beyond. This is an interesting development, enabling cybercriminals to bypass wall street market darknet url traditional anti-fraud controls. WikiLeaks used Tor to collect documents from whistle-blowers who wanted to remain anonymous. Biography: The Tails Project is a group responsible for the creation and upkeep of the Tails operating system, and have been working on their software since 2009.\nSubscribe to our newsletter", "label": "Yes"}
{"text": "The report echoes hardships seen in Philadelphia, where food pantries saw a 23 percent increase in need between 2012 and 2013, local experts say.\nOverall, nearly 90 percent of all households with children that use food pantries reported being food insecure - not having enough food in a year to live a healthy life.\nThe survey, \"Hunger in America 2014,\" was praised by hunger experts as an invaluable glimpse into how people struggle to put food on their tables.\nFeeding America surveyed more than 60,000 clients of food pantries, soup kitchens, and senior centers, as well as 30,000 people who work in those agencies. The survey was conducted between October 2012 and January 2013.\nThe agencies get their food from Feeding America's 202 regional food banks nationwide. Philabundance is this area's Feeding America food bank.\nIncreasing need is not a surprise, given the rise in demand for food among Philabundance's 400 food pantries between 2012 and 2013, said officials at Philabundance, which serves Philadelphia and its suburbs in Pennsylvania and New Jersey.\n\"We're seeing a real growth in hunger,\" said George Matysik, director of government affairs at the agency, \"especially in lower Northeast Philadelphia, a former middle-class stronghold where there have been record foreclosures.\" Matysik said other areas of concern include Oak Lane and some inner-ring suburbs such as Upper Darby.\nMost households that use food pantries in this region have a person who works, Matysik said.\nBut, Matysik said, hard times are becoming harder, and a job is no guarantee that a family will be food-secure.\nIn Philadelphia particularly, \"we're seeing more and more working poor using food pantries - people who are doing everything they can to get by,\" Matysik said. Some 52 percent of Philabundance households live on annual salaries of $10,000 or less, Matysik said.\nMore than 60 percent of area food pantries ran out of food or were compelled to distribute less food to clients between 2012 and 2013, according to Laura Wall, executive director of the Greater Philadelphia Coalition Against Hunger.\nNationwide, the Feeding America report shows that hunger is hurting a wide swath of the country - not just those mired in multigenerational poverty.\n\"The report affirms that those who are hungry are a lot different than the popular perception,\" said Billy Shore, founder and CEO of Share Our Strength, a national nonprofit focused on ending childhood hunger in America.\nSpecifically, Shore said, the report shows that 33 percent of households using pantries contained at least one senior, while 20 percent had at least one member who was either a veteran or is serving in the military.\nOf the households with a member now serving in the military, 25 percent have a person using a food pantry.\n\"That's really shocking,\" said Shore. \"It gives people the sense that the hungry are not just the homeless, or the unemployed, but people serving our country.\"\nAlso surprising was the finding that as much as 6 percent of U.S. food-pantry users have four-year college degrees or even advanced degrees, experts said.\nSo many people also described facing difficult trade-offs to feed their families. For example, 66 percent of respondents said they had to choose between food or medicine in the last year.\nForty percent said they dilute food and drinks with water to help make it last, while 35 percent say they have pawned or sold property just to get their family something to eat.\nMost food-pantry users are white (43 percent); 26 percent are African American, and 20 percent are Hispanic. More than half are at or below the poverty level ($19,790 annually for a family of three). Almost 30 percent own their homes.\nBecause the new Feeding America survey was conducted so differently than the last one released in 2010, it's impossible to compare most of the findings in each, according to Maura Daly, a spokeswoman for the Chicago-based charity.\nStill, the report illuminates the fact that hunger is \"far too prevalent,\" according to Jen Adach, a spokeswoman for the Food Research and Action Center, the largest antihunger advocacy group in America.\nShore agreed, adding, \"We can't be a strong America if we have this type of weakness in our society.\"", "label": "Yes"}
{"text": "With Gareth Exton, Head of Execution & Quantitative Services Distribution (EMEA) at Liquidnet.\nJust over six months after the UK left the EU, and with equivalence now officially off the table, the UK and EU do seem somewhat aligned on their overall objectives for financial markets, but are pursuing markedly different paths towards achieving those objectives.\nHow will this impact liquidity formation in UK and Europe, particularly in the equities markets?\nIn this Q&A with TradingTech Insight, Gareth Exton, Head of Execution & Quantitative Services Distribution (EMEA) at Liquidnet, discusses the post-Brexit liquidity landscape, and what the future might hold.\nLiquidnet recently published a report on the European Liquidity Landscape, and one of the topics covered was the UK’s suspension of the share trading obligation (STO) and the double volume caps (DVCs). What is the impact of this?\nLooking at the DVCs first, it’s not controversial to say that they haven’t been embraced by the industry. They were always a bit of a blunt tool to try and drive more trading on exchange, so removing them has been welcomed, particularly for UK stocks.\nWhat we are hearing from EU asset managers though, particularly following the ESMA RTS1 & RTS2 consultation paper published at the end of last week, is that those firms may be disadvantaged in terms of liquidity to which they have access.\nIn terms of impact, 14.3% of UK stock volume is now trading in dark venues, compared to just 6.5% for EU, so that tells its own story.\nWith the STO suspension, the question is, will UK and international asset managers take advantage of the opportunity to trade EU stocks on UK venues? There are some technical challenges there, which brokers and exchanges will need to navigate before that happens.\nSome buy side firms are also nervous about going against the spirit of the STO in EU names. Do I want to potentially affect my relationship with an EU regulator by actively trading EU securities outside of the EU?\nThat whole area is going to take some time to shake out. For example, Liquidnet currently doesn’t have any EU stocks listed on its UK entity, they’re only listed on the EU entity. And at the moment, we have no plans to relist those securities back on to the UK. But it’s something that we’re looking at and considering from a technology perspective and indeed whether our clients actually want us to do it.\nYou mentioned the technical challenges of trading EU stocks on UK venues. What are those challenges?\nWell, you’ve got two different LIS (large in scale) thresholds, the FCA’s and ESMA’s, so how do you work out exactly which one to use? How do you bring together your counterparties, considering where they’re based, and whether or not they can trade those names? What if you have an EU entity that you are not able to match with an American asset manager, for example? The system has to be aware of where people are and who wants to do what. There’s a lot of plumbing that needs to go into that —who can face off against whom, what legal entity do they face, and what jurisdiction do they fall under?\nIt all gets a little bit messy, and it’s the edge cases where you can get tripped up.\nThe UK is currently allowing dark trading to an average of 15% of overall market volumes. How hard a limit is that and do you think it will increase, given the appetite for dark trading in the UK?\nI’m not sure how hard a limit it is. I think that 15% is just a number that they felt was appropriate based on historic trends. As we push beyond that, I expect it will drift upwards. But that’s just a guess.\nActually, if you include OTC and some SI activity, as opposed to just on exchange trading, then that 15% goes down to 6%-7%, so it all depends on what you include. I think there are other things for the regulators to focus on, to be perfectly honest, such as transparency and market data charges, for example. Our buy side clients just want the regulators to let them get on with trading where they want to trade.\nAnother topic you discuss in your report is the consolidated tape. This is a saga that seems to have been ongoing for years. What do you think should be included in this consolidated tape now that Brexit has happened? Just EU stocks? UK stocks? And should it include pre-trade or just post-trade activity? How consolidated should the consolidated tape be?\nYou’re right, we’ve been talking about it for a long time, I seem to remember talking about it when I came into the industry maybe 16 years ago, around the time of MiFID I, and we’re still not there yet.\nMy personal view is that they should concentrate on the post-trade consolidated tape rather than pre-trade. And we’ve said this to regulators. Post trade is where most people will get bang for their buck. We discuss these issues in our report.\nThe post-trade consolidated tape should be able to show, for example, the volume in Vodafone, between 10 o’clock and 11 o’clock, and if you asked ten brokers, you’d get the same number. That’s hugely important because if you asked that question today, you’d probably get eight or nine different answers.\nAnd it will need to happen on both sides of the channel. It’s one of the major focuses for the EU, and the UK’s wholesale review also made it clear that they want to see a consolidated tape, although they’re not clear on whether it should be publicly or privately run.\nWe’re at the point now where it’s more likely to happen than it ever has been. There’s a real push now. But what should be included? Regulators need to start in a manageable way and not try and bite off more than they can chew, just keeping it to what is on-exchange addressable and non-addressable liquidity for vanilla single stocks. Otherwise, they will still be going through this for many years to come.\nIf they start going down the pre-trade route, it’s going to take a lot longer to do. And then what you’re potentially going to have is an arbitrage of those using the consolidated pre-trade tape and those building their own. That’s not what the industry is asking for. Post-trade is, and it would fix a lot of issues around analysing where the liquidity is. What did I participate in? What did I not? What liquidity did I miss? Being able to see that and have proper metrics around participation rates would help massively, that’s where the need is.\nAnother topic discussed in your report was the suggestion for new types of trading venues for small & mid-caps. What might those venues look like and how would they fit into the overall trading landscape?\nI haven’t seen any specific proposals, but we actually do a lot of small and mid-cap trading on our platform, mid-cap in particular. It’s somewhat of a sweet spot for us because it’s often those hard to trade names where people are looking for liquidity.\nI expect what they’ll be doing with these SME venues will be more around incentivization of liquidity, trying to create some kind of space for the different liquidity providers to come in, rather than it just being asset manager to asset manager. A more appealing place for market makers and new issuers to come together.\nThat could be through a different fee structure, or providing some kind of incentives around how you interact with other participants. At the moment, you don’t necessarily want to interact with a market maker on a dark MTF in a small or mid cap because you don’t know what’s happening there, so you go down the sales trader route, and that can lead to is information leakage. But in terms of the mechanism, I’m not really sure which way they’re going to go.\nFinally, how has the cost of trading changed since Brexit?\nTrading volumes and volatility levels seem to be back now to where they were pre-pandemic. As a result, spreads have narrowed, and the cost of trading has reduced, compared to this time last year.\nThose levels came back a lot quicker than we thought they would. When we were looking at this back in June and July last year, we had a look at what happened to the VIX after 2008/2009, and it took almost four years to get back to normal levels, whereas this time, we have a much sharper return to lower volatility levels. That’s been quite interesting to see.\nSubscribe to our newsletter", "label": "Yes"}
{"text": "Valad Europe, the multi-let real estate investment manager, announces the disposal of Keulschevaart 17, a 2,000 m² industrial and office building, in Breukelen to owner/occupier Nika Holding B.V., a company specializing in concrete repairs. The disposal was completed on behalf of Valad Europe's EHI fund.\nKeulschevaart 17 is situated next to the A2 motorway between Amsterdam and Utrecht and comprises ground floor warehouse space and first floor office units. The asset was vacant prior to the purchase by Nika Holding.\nMark McLaughlin, Valad Europe's Head of Benelux, commented: \"The ability to trade assets in difficult markets where very few transactions are taking place is an extremely important component of Valad's strategy. The disposal of Keulschevaart 17 is an excellent example of us leveraging the expertise of our local team to find a suitable purchaser for a vacant building.\"\nStatement Real Estate acted on behalf of Valad Europe.", "label": "Yes"}
{"text": "The sixth edition of \"State of the World's Forests\" presents a global picture of the forest sector and the latest information on activities and developments. Contributions highlight challenges and opportunities related to some of today's key emerging issues. The theme of the 2005 edition - \"realizing the economic benefits from forests\" - recognizes that the economic viability of the forest sector is a prerequisite to safeguarding the environmental, social and cultural functions of the resource. Enhancing these functions is vital to the achievement of the United Nations Millennium Development Goals - not only to the goal of ensuring environmental sustainability, where the contribution of forests is obvious, but also to the goal of eradicating extreme poverty and hunger. \"State of the World's Forests 2005\" will provide policy-makers, foresters, academics and other interested readers with the most up-to-date information and views on emerging issues in the sector today.", "label": "Yes"}
{"text": "ford motor co (F) Key Developments\nFord Motor Co. Reports US Sales Results for the Month and Year to Date Ended July 2015\nAug 3 15\nFord Motor Co. reported US sales results for the month and year to date ended July 2015. For the month, the company reported total vehicles sales of 222,731 compared to 212,236 a year ago.\nFor the year to date ended July 2015, the company reported total vehicles sales of 1,516,352 compared to 1,482,268 a year ago.\nFord Asia-Pacific Announces Earnings Results for the Second Quarter of 2015; Provides Earnings Guidance for 2015\nJul 29 15\nFord Asia-Pacific announced earnings results for the second quarter of 2015. In the second quarter, It saw a year-on-year pre-tax increase, from USD 159 million in 2014 to USD 192 million in second quarter of 2015. Wholesale deliveries decreased, however, by 3.6% and revenue decreased 17.2%. Operating margin for the quarter, however, increased to 7.8%.\nFord projects higher pre-tax profits for the region in 2015 overall.\nFord Middle East and Africa Announces Earnings Results for the Second Quarter of 2015\nJul 29 15\nFord Middle East and Africa announced earnings results for the second quarter of 2015. Pre-tax results declined 300% year-on-year in the second quarter. Wholesale deliveries declined 10.2% and revenues dropped 18.2%. It saw operating margin drop dramatically compared with a year earlier; second-quarter 2015 saw an operating margin loss of 5.1%, compared with margin of 2.0% a year earlier.\nFord Motor Co. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2015; Confirms Earnings Guidance for the Year of 2015\nJul 28 15\nFord Motor Co. reported earnings results for the second quarter and six months ended June 30, 2015. For the quarter, the company reported net income attributable to the company of $1.885 billion compared to $1.311 billion a year ago. Revenue was $37.3 billion. Diluted EPS was $0.47. Pre-tax profit was $2.868 billion compared to $2.118 billion a year ago.\nFor the six months, the company reported net income attributable to the company of $2.809 billion compared to $2.300 billion a year ago. Diluted EPS was $0.70. Pre-tax profit was $4.273 billion compared to $3.377 billion a year ago.\nThe company confirmed 2015 pre-tax profit guidance of $8.5 billion to $9.5 billion, with higher Automotive revenue, operating margin and operating-related cash flow compared with 2014.\nFederal Appeals Court Says Victims of Apartheid in South Africa Cannot Sue IBM Corp. and Ford Motor\nJul 28 15\nVictims of apartheid in South Africa cannot sue IBM Corp. and Ford Motor Co. in New York because they cannot show that the companies' alleged offending behavior occurred in the United States, a federal appeals court said. The second U.S. Circuit Court of Appeals ruled against lawsuits brought 13 years ago against IBM and Ford. A three-judge panel cited a 2013 Supreme Court ruling severely limiting the legal reach of the 1789 Alien Tort Statute. The law was created in part to deal with piracy claims but in recent decades human rights lawyers have used it to pursue damages from individuals or companies alleged to have supported abuses around the world.", "label": "Yes"}
{"text": "Travelling is more of a privilege than a luxury. There is no doubting that in order to have the chance to travel. You must be privileged in certain respects (having a first-world passport, for example), but this does not imply that you must be wealthy. Are you wondering how to travel for cheap? Whilst travelling the globe can seem incredibly expensive, it doesn’t always have to be. There are many alternatives to save a lot of money on the road.\nHow To Travel The World On A Budget\nAs you’ve read, there are several methods to travel for free overseas. You can travel a lot through couch surfing, woofing, hitchhiking, and leveraging your social network. We all have dreams of visiting Paris and seeing the Eiffel Tower. But in reality, these experiences are free. It only depends on how resourceful you are and how much you are ready to forego in order to get there.\nHow To Find Cheap Or Free Accommodation?\nStay In Hostels\nYou might not find it all that enticing to share a room with a bunch of unknown strangers, especially in light of the depressing portrayal of hostels in bad films like Hostel. But the truth is that staying in hostels is one of the finest ways to travel cheaply.\nHostels today are becoming more and more accommodating to the growing number of backpackers and budget travellers. To the point that sometimes their quality surpasses that of the antiquated, old hotels you frequently find in the city centre.\nThe days of squeaky bunk beds, limited privacy. And filthy rooms are long gone. Today’s hostels have contemporary, spotless furnishings, capsule-style mattresses, curtains. A free breakfast buffet, quick WiFi, and much more.\nHostels are popular among travellers who like to stroll around cities rather than rent cars. So you are assured to stay in a convenient area for a quarter of the cost of a hotel room. You’ll save even more money on transportation as a result.\nThe truth is that most of the money you spend on vacation is spent on lodging. And if you can save only a third of that cost each night, you’ll save a lot more money than if you try to cut costs in other areas.\nTravel To Cheap Countries\nYou must make intelligent destination choices if your money is limited. Yes, I too would want to watch killer whales in Norway’s Fjords. But do you have any clue how pricey it is there? Consider purchasing a motorbike and travelling around India. Before choosing a nation. See what is feasible within your budget.\nAsia is a great playground, and visiting this region is perhaps the most affordable way to see the globe. You get a lot for your money in nations like Nepal, India, Sri Lanka, Vietnam, and China. Central America is another undiscovered treasure for travellers on a budget. With wonderful locations like Guatemala, Nicaragua, and El Salvador that won’t break the bank. Learn more about it in my inexpensive locations throughout the world to visit. Find out how much a vacation to Thailand costs here, or see how much you can expect to spend on a budget trip to Bali.\nHow To Get Around Cheaply When Traveling?\nGet On A Cheap Flight\nA airline ticket is among the most expensive travel-related costs. But with so much competition in the travel sector today. Finding a fantastic airline price to a destination you wish to visit shouldn’t be difficult.\nKeep an eye out for fantastic flight prices offered over the summer by airlines like RyanAir, WizzAir. And EasyJet in Europe, AirAsia and Lion Air in Asia, and JetBlue and Southwest in the US.\nThe easiest ways to search for inexpensive flights are to visit websites like Skyscanner or Expedia. Choose a desired destination, try selecting a full month as opposed to a specific day. And then choose the least expensive option.\nThe cheapest days to book your flight are often Tuesday and Wednesday. So be sure to keep an eye out for that when you are seeking to buy a ticket.\nTake Public Transportation\nActing like a native and taking public transit is one of the cheapest and best methods to explore a new location. I recognise that learning a new city’s public transport system may be pretty complex at first, but once you get the hang of it, you will be able to go far and wide without spending a fortune.\nIf you’re in a major city, consider taking the mass transportation system’s trains to go around the area efficiently and affordably. They are frequently the simplest mode of transportation, therefore understanding them shouldn’t take too much time. They are also affordable, dependable, and effective.\nBuses and trains are among of the most effective ways to travel big distances between cities on a budget and with the added benefit of seeing the countryside. If you take an evening bus as opposed to a daytime bus, you can further reduce your lodging costs.\nCheck out websites like Busbud.com (for Europe and South America) and 12Go (for Asia) before your trip if you want to avoid the hassle at the bus and railway stations and quickly purchase a ticket for a long-distance travel on a bus or a train.\nPick The Right Season\nPopular travel destinations are drastically cheaper in the off-season. Think Italy in the winter, Hawaii and Florida in the summer, and SouthEast Asia during monsoon season.\nAvoid travel while schools are out since costs will go up and businesses will try to take advantage of families who can only travel during these weeks. Find out when is the ideal to go to the place you want to go, and then depart shortly before or after these dates. You’ll still have a fantastic trip during this time, although the sun might not shine quite as brightly (on the good side, it won’t be nearly as hot). This time period is known as the “shoulder season.” In order to draw customers during this period, hotels and airlines reduce their pricing.\nHow To Eat Cheaply When Traveling?\nEat Like A Local\nTrying all the street cuisine that can be found at night markets is one of the best parts of visiting destinations like Thailand and Taiwan. Local street food options are plentiful, frequently good, and best of all, they are quite inexpensive when compared to the same meal served in restaurants.\nFor instance, you might anticipate paying between 60 and 100 THB for one meal if you went into a posh restaurant in Thailand and ordered a Pad Thai. However, you would only spend 35 to 40 THB each dish if you went to the night markets where all the locals congregate, which is half what you would pay at a restaurant.\nOne of the easiest methods to reduce your food expenses when travelling and yet experience the local cuisine is to eat like a native. So, if you want to travel on a budget, be sure to stop by a local market and sample some of the food that the people there are eating.\nYou may also attempt hitchhiking if you’re seeking for a cost-free way to move around while you travel. I would advise you to only hitchhike in nations where doing so is accepted, such as New Zealand and Australia, or in regions with amiable residents and limited access to public transit, like Pakistan’s Karakoram Highway.\nThere are a few things you should know before you start hitchhiking since it’s a waiting game. First and foremost, ensure sure hitchhiking is permitted by the legislation. Especially while travelling overseas and unfamiliar with the local tongue, you don’t want to get into any problems with the police.\nSecond, anticipate on putting in a lot of time the day you want to hitchhike. Before a local can pick you up, it may take hours, and even then, they might not take you where you want to go right away. In order to get further, you will probably need to hitchhike more. When I want to hitchhike to far locations, I frequently set for a whole day for travel.\nGeneral Tips On Traveling The World Cheaply\nDo Not Exchange Money At The Airport\nWhen converting money overseas, it is generally advised not to do it at the airport or, for that matter, use an ATM. They frequently take advantage of you severely by charging outrageous withdrawal costs, sometimes losing more than 50% of the value.\nI advise using your credit card before you leave the airport or just having a little amount of cash on hand to exchange at the airport. As a result, you’ll be able to depart the airport and exchange the remaining funds once you’re at a legitimate currency exchange location.\nWoofing is another thing that occurs. That seems pricey, don’t you think? Do not assume it is similar to working in exchange for lodging and meals. World Wide Opportunities on Organic Farms is a sizable multinational organisation that connects travellers wanting to spend a few hours in exchange for shelter and food with farmers searching for labour.\nFarmers in more than 100 countries are searching for enthusiastic travellers who are prepared to work hard. To sign up, you must pay the $40 registration fee on the WWOOF website. This is one of the finest methods to travel for free overseas and a terrific way to save money on lodging. This is a fantastic approach to go to pricey nations.\nHave any other good tips and tricks for how to travel the world for cheap? Share them in the comments!", "label": "Yes"}
{"text": "President Barack Obama is sticking with his BlackBerry. So are the smartphone maker’s shareholders. Rumours that the president would participate in a pilot programme to test Android devices proved false. And since bottoming a few months ago, just below $6, BlackBerry shares have rallied to $9. New chief executive John Chen has stabilised the company. Its fourth-quarter loss of 8 cents a share, reported on Friday, was not as bad as feared. But it is unclear if the turnround that shareholders are counting on will take hold before the bandages Mr Chen has applied fall off.\nBlackBerry’s most recent, and presumably final, attempt to compete in high-end phones flopped last year. Mr Chen’s plan is to use the company’s entrenched position in corporate IT to become a software and services company. Until then, selling phones accounts for about 40 per cent of its (disappearing) revenue base; fourth-quarter revenue was $976m, compared with $1.6bn two quarters ago. It isn’t fully quitting phones, but is shrinking risk through a manufacturing deal with Foxconn.\nOther measures BlackBerry has taken to secure breathing room include selling Canadian real estate and getting a $1.25bn convertible bond investment led by Fairfax Financial (the bond can turn into BlackBerry shares at a price of $10). The company burnt about $500m in cash in the fourth quarter and has $2.5bn left. It predicts breaking even by year’s end.\nWhat hopes have caused the shares to soar 60 per cent in recent months? BlackBerry Messenger, while still a fraction of WhatsApp’s size, has 85m users. The services business, which manages corporate email, is shrinking as BlackBerry’s overall user base erodes. However, that installed base is an advantage to move into “mobile device management”: corporate email control across iPhones, Android and BlackBerry devices. Finally, its operating system is being used in connected cars, including at Ford.\nThe puzzle is that the fading businesses are still responsible for most of the cash flowing into the business. It remains risky to bid up the stock when the new BlackBerry may not emerge until after the next administration takes office.\nEmail the Lex team in confidence at firstname.lastname@example.org", "label": "Yes"}
{"text": "The stock market in Latin America can still be called exotic for most investors. But this is only an additional reason to explore its possibilities, especially since it was Latin America that showed one of the highest results in the world in 2022 against the backdrop of rather weak performance of popular stock markets in developed countries.\nInvestment growth in Latin America is doubling every year, according to the Private Equity Association. So, in 2019, the volume of venture investments amounted to $4.9 billion, and already in 2021 this figure reached $16 billion.\nThe World Bank predicts growth rates for Latin America and the Caribbean in 2023 at 1.3%, and in 2024 – already 2.4%. For example: Latin American energy funds in 2022 showed an increase in income from 30% to 43%.\nThe situation in the e-commerce market is even more interesting. Contrary to popular belief, the world leader in this field, Amazon, is practically not working in many Latin American countries. Local players lead the way here, with pan-Latin American e-commerce and payments marketplace Mercado Libre standing out in particular.\nIn the last 5 years alone, online stocks in Latin America have seen an incredible 823% increase. But this market is still at the stage of development: for example, until 2025, a stable growth of the market by 30% per year is predicted. Accordingly, the value of shares of popular trading platforms will also continue to grow rapidly.\nAnyone can invest in such a promising industry through traditional exchange trading. But you can also invest in Mercado Libre and earn passive income through automated trading.\nThe Mercado Libre project is an automated platform for investing in online business and, in particular, in the e-commerce sector of Latin America.\nThe platform is as simple as possible, it is designed for investors without the experience of stock trading and knowledge of the stock markets of the region.\nAccording to the developers, investors receive the following benefits:\nEach client is provided with a personal manager and constant support.\nOne of the important advantages of the platform is a large leverage, which allows you to significantly increase profits by attracting additional funds.\nIn order to invest in Mercado Libre and receive passive income, deep knowledge and understanding of the stock market is not required. The automated system will make profitable trades based on your deposit amount and basic settings. You will receive dividends and passive income. Along with the growth of the market, your profit will also increase significantly.\nThe project is designed for citizens of Latin America, so registration from other regions may be limited. For example, the project is not available to US citizens, since the Mercado Libre trading platform contains cryptocurrency trading and other electronic payment tools.\nThe minimum deposit to participate in the project is $250.\nThe Mercado Libre project operates in the markets of Latin American countries: Mexico, Argentina, Chile, Peru and others. Focuses primarily on investments in e-commerce and other online startups.\nCitizens of these countries can freely invest in Mercado Libre, foreigners need to make sure that registration is available for them.\nThe amount of earnings in the project is not limited and largely depends on the amount you are willing to invest in Mercado Libre. High leverage allows you to increase your potential income. But it is important to understand that using this tool also increases your risks.\nThe Mercado Libre marketplace is highly trusted in Latin America. It combines the functions of a trading platform and financial instruments. Over the years, the marketplace has proven its reliability, the ability to ensure the security of data storage and the timeliness of payments.\nThe activity of Mercado Libre is governed by the laws of the Latin American countries in which the marketplace operates. The project for investment is regulated by the national financial regulators of these countries.\nThe platform allows any person to successfully invest in Mercado Libre, including those with a zero level of knowledge in the field of trading, stock trading and long-term investments.\nMercado Libre is a well-known marketplace that is much more popular than Amazon in Latin America. It is safe to work with this service. But do not forget that \"mirrors\" from intruders are often created for popular projects, and they are a scam.\nEach user receives a personal manager who, on an ongoing basis, helps in solving problems, including technical ones, advises on project work, and answers questions.\nMercado Libre is an interesting passive income tool. The Latin American e-commerce market is developing very actively, attracting investors, demonstrating constant growth and generating relatively stable profits.\nAutomated trading is a good help for people who are not familiar with the stock markets. But experienced traders may not like the lack of manual trading tools and a small number of settings.\nTo start investing in Mercado Libre, you need to follow a few simple steps:\nRegistration. Enter your first name, last name, phone number and email. Confirm the correctness of the specified data.\nMake an initial deposit – starting from $250. Follow the system prompts that will appear on the screen to make a payment.\nWait for a call from the manager. A few minutes after replenishing the deposit, a manager will call you to help you understand the operation of the system, answer questions, and teach you how easy it is to earn income on the platform.", "label": "Yes"}
{"text": "Lender Seasoning Leaves a Bad Taste\nThere has been a lot of negative press and misinformation lately about double-closings. Many people have been indicted recently under what the press has called \"Property Flipping Scams.\" Uninformed lenders, real estate agents and title companies will tell you that double-closings are now illegal. In fact, they are nothing of the sort.\nThe so-called property-flipping schemes work as follows: unscrupulous investors buy cheap, run-down properties in mostly low-income neighborhoods. They do shoddy renovations to the properties and sell them to unsophisticated buyers at inflated prices. In most cases, the investor, appraiser and mortgage broker conspire by submitting fraudulent loan documents and a bogus appraisal. The end result is a buyer that paid too much for a house and cannot afford the loan. Because many of these loans are insured by the Federal Housing Authority (FHA), the Senate has held hearings to investigate this practice.\nDespite the negative press, neither flipping nor double-closings is illegal. The activities described above simply amount to loan fraud, nothing more. Newspapers have inappropriately reported the activity as illegal \"property flipping,\" rather than simply \"loan fraud.\" As a result of this mislabel, some lenders have placed \"seasoning\" requirements on the seller's ownership. If the seller has not owned the property for at least twelve months, the lender will assume that the deal is fishy and refuse to fund the retailer's loan. If you stay in control of the loan process and steer your buyers to a mortgage company that doesn't have a hang-up with double-closings, then seasoning isn't an issue.\nAt a recent seminar, a couple of experienced investors shared a great solution to the title \"seasoning\" issue. Some lenders don't like double closings because if the seller hasn't owned the property for twelve months, the lender funding the new loan assumes that the price is inflated (actually, they trained to be a lender in Russia, where it is unconscionable for an investor to make a profit in a short time period).\nWhen the END-buyer applies for a loan, the underwriting department looks at the chain of title to see how long the seller has owned it. In the case of a double closing, the investor is not even on title at this point, so the lender has a cow!\nThe best solution around this is called a \"reverse assignment\" which allows you to assign your contract back to the owner and collect your money at closing for releasing the contract. This should be documented with a mortgage or deed of trust so the \"release fee\" is really a payoff of a lien.\nWILLIAM BRONCHICK, ESQ.\nReprinted by Permission. Copyright 2000 All Rights Reserved. Visit www.legalwiz.com or call 1-888-587-3253. The author, CEO of Legalwiz Publications, is a nationally known attorney, author, entrepreneur and speaker. He has been practicing law since 1990, and has been involved in over 700 transactions.", "label": "Yes"}
{"text": "Bowen S. DiehlPresident, Chief Executive Officer and Director\nBowen S. Diehl has served as President and Chief Executive Officer and as a director of Capital Southwest since October 2015. Mr. Diehl joined Capital Southwest in March 2014 and served as its Chief Investment Officer from March 2014 to October 2015. Prior to joining Capital Southwest, Mr. Diehl was employed by American Capital, Ltd., a publicly traded business development company (\"BDC\") and global asset manager. From 2007 to 2014, he served as Co-Head of American Capital’s Sponsor Finance Group, the group responsible for the majority of American Capital’s middle market lending business.\nFrom 2001 to 2007, he served as a senior investment professional in the Dallas Office of American Capital. Mr. Diehl has sourced, structured and managed investments that have included senior and subordinated debt, as well as preferred and common equity in both control and non-control structures. Mr. Diehl’s investment experience relates to a variety of industries including healthcare, business services, industrial manufacturing and consumer finance. Prior to American Capital, Mr. Diehl was a Vice President in Investment Banking at Merrill Lynch, where he gained experience working with companies in the exploration and production, oilfield services, natural gas pipeline, natural gas gathering and processing, homebuilding and semiconductor sectors. Prior to joining Merrill Lynch, Mr. Diehl was a Vice President in the Global Oil and Gas Group at Chase Securities Inc., completing numerous transactions in the upstream and midstream oil and gas sectors. Mr. Diehl earned a Bachelor of Engineering degree, with majors in Environmental/Geotechnical Engineering and Economics, from Vanderbilt University and a Masters of Business Administration from the University of Texas at Austin. In his capacity as President and Chief Executive Officer, Mr. Diehl is an “interested person” under the 1940 Act. Capital Southwest benefits from Mr. Diehl’s extensive experience as a senior investment professional as well as his knowledge of the BDC industry.", "label": "Yes"}
{"text": "The way to Commerce Oil Futures For Absolute Beginners\nMany people, especially newbies wonder the best way to commerce oil futures The fundamentals of buying and selling oil are easy and comparable to purchasing and selling stocks online, but the dimensions of individual contract is totally different. One contract of crude oil signifies 1,000 barrels of crude oil. The buying and selling hours for light sweet crude oil is 9:00 am to 2:30 pm japanese time from Monday to Friday. Crude oil is mirrored as CL in the trading index. Since the dimensions of a contract is 1,000 barrels of crude oil, the future contract of crude oil increases or decreases by 1,000 dollars, if the prices of crude oil byproduct of oil refining crossword 100 moves upwards or downwards by one electric heating jacket reaction kettle dollar. A trader can earn money by going lengthy in addition to by going brief with oil trading. In oil day trading, going long means shopping for first and promoting later whereas going short means promoting first and buying later. Following are a few of the fundamentals of trading oil futures for beginner traders.\nTo start with, open a trading account with a broker. It is essential to decide on the broker who has a superb observe record with years of experience in oil buying and selling. Start with a apply account to gain expertise in buying and selling oil futures before you start buying and selling with real money. Now perform some research and evaluation. Keep your self educated concerning the weekly demand and supply place of oil by studying stories revealed by the American Petroleum Institute. Learn the charts and patterns, and determine present demand and supply position. Acquire details about seasonal fluctuations, weather modifications that will have an effect on the production and transportation of oil, and study political circumstances in oil producing countries. Apart from this, learn the statements of OPEC which can allow you to to get a clearer image about movements in oil prices in a short period.\nAfter gathering this info, it’s time now to do some technical evaluation. This contains protecting track of increase and decrease in trading quantity, monitoring candlestick charts, evaluating transferring common price to search out out whether brief terms traits are diverging or converging with Shifting average convergence diversion (MACD). In addition to this, extrapolate Fibonacci numbers and check appropriate charts to get a clear image about value movements in oil. Always take your buying and selling place by confirming with MACD and moving average value as they’re sturdy indicators of price movements. Moreover, they’re easy and simple to know.\nVolume means liquidity; hence, it’s always advisable to trade oil when the quantity of buying and selling is excessive in the market. This offers an opportunity to earn short-term income, but it surely gives rise to equal chances of risks. This is the principle reason why it is always beneficial to trade with a observe account for not byproduct of oil refining crossword 100 less than a month before starting real trading. The value movements and statistics in a follow account are actual-time; therefore, it is possible for you to to achieve experience with real-time market data. Develop a easy buying and selling strategy based mostly in your expertise and keep on with it. If you discover your buying and selling strategy ineffective, consider your technique and make crucial changes. After gaining sufficient expertise, you can start actual buying and selling.\nStart with minimum deposit so as to restrict the amount of loss. The key to succeed in oil buying and selling depends upon the broker you select, the buying and selling technique, current news that affects oil costs, your patience and dedication.", "label": "Yes"}
{"text": "Paying someone to mow your lawn is a pretty straightforward affair. Ryan the lawn guy will look at the lawn size and maybe the hilliness of your yard and you’ll settle on a price for mowing and trimming it. When you decide to contract for Ryan’s services on a more regular basis, payment might get a little more complicated. If you pay Ryan every time he mows your lawn he might mow it more often than necessary. But that problem is easily addressed by paying him a fee to take care of your lawn for the entire growing season.\nPaying a hospital to care for someone who had a stroke is not so straightforward. Imagine you are an insurance company and you decide to pay the hospital for each day the patient is in residence. With that kind of payment scheme the hospital visit might drag on indefinitely. Indeed several decades ago insurance companies in the United States primarily reimbursed hospitals on a “per diem” basis, cool kid lingo for per day. Incentivized by this reimbursement scheme, the length of stay in American hospitals was often surprisingly long for even relatively mild conditions. Think of the parallel to lawn care: pay per mowing and you can expect lots of mowings!\nHealthcare payers have developed several methods to overcome this per diem/per mowing problem. I will explain these methods shortly, but first the bottom line. Figuring out how to pay for hospital care is a hell of a lot more complicated than figuring out how to pay your lawn service.\nTo combat the unintended consequences of per diem payment coverage, Medicare switched to per diagnosis payments in the 80s, and the insurance companies followed shortly thereafter. Under this DRG program, a hospital taking care of a patient with a severe stroke would receive appropriate payment for that diagnosis, while a hospital taking care of someone with mild pneumonia would receive a smaller payment appropriate for the typical costs of paying for that condition. Following the implementation of this type of prospective payment, length of stay in American hospitals plummeted. In response, much of medical care was shifted to post-acute care, to rehabilitation hospitals, for instance, for stroke patients, or to outpatient clinics for people with pneumonia. These non-hospital services were not covered by the diagnosis-based DRG payments, so healthcare providers had little incentive to practice parsimoniously once their patients left the hospital.\nEnter bundled payments. In 2013, the Center for Medicare and Medicaid Services, henceforth CMS, launched its Bundled Payments for Care Improvement Initiatives, henceforth BPCI (in case your life needs more acronyms). In the BPCI, CMS identified 48 clinical conditions that qualify for bundled payments, meaning participating healthcare providers would receive payments designed to cover not only hospital care for the condition in question, but money to pay for all healthcare related services they receive for the next 30 days. Unsurprisingly, not all hospitals are eager to join this program. For starters, the hospitals have to be financially integrated with post hospital providers. If patients receiving stroke care at Our Lady of Acute Care Hospital receive post-acute care from a hodgepodge of rehabilitation facilities, many of which have no connection to the hospital, then coordinating payments will be a disaster. (To read the rest of this article, please visit Forbes.)", "label": "Yes"}
{"text": "AR glasses: Race with Meta - Snap buys next company\nSnap continues to invest in AR technology - and may be protecting itself from an aggressive Meta by doing so.\nIn May 2021, Snap announced the acquisition of Waveoptics, a British manufacturer of waveguide displays also for AR glasses. Snap paid half a billion US dollars for exclusive access to displays and know-how.\nA lot of money for a technology that is not yet good enough for a tech eyewear revolution and whose future is uncertain. But still, a necessary investment to stay in the race for AR glasses?\nSnap buys another display manufacturer\nIn addition to Waveoptics, Snap has now acquired LCoS and MicroLED display maker Compound Photonics, founded in 2007, reports display blogger Karl Guttag, citing several sources he knows. The acquisition sum is not known, nor has the deal been officially confirmed. However, Guttag was already right about Waveoptics in advance.\nLCoS displays are see-through microdisplays with high resolution and brightness that are well suited for tech glasses. They can be used in combination with waveguide technology. So far, Compound Photonics' LCoS displays have not made it into commercial tech glasses, according to Guttag.\nThe Lumus prototype \"Maximus\" used the CP displays, and this device was credited by the rather critical Guttag with excellent image quality for AR glasses with \"wow factor\". The imaging technology is clearly superior to that of Microsoft's Hololens 2, he said: the prototype offers a high-contrast, much higher-resolution image with rich, even colors and high brightness.\nHowever, the display combination from Compound Photonics and Lumus cannot solve the biggest problem of AR glasses, the small field of view: The Lumus Maximus comes in at 50 degrees diagonally with an aspect ratio of 1:1 (Hololens 2: 52 degrees, aspect ratio 3:2).\nMeta's shopping spree puts other companies on the spot\nIt's possible that Snap wouldn't have acquired Waveoptics or Compound Photonics if Meta didn't pull out its wallet so frequently: The Zuckerberg Group is tying up skilled labor, buying exclusive rights to British manufacturer Plessey's displays in March 2020 and ImagineOptix, which develops specialty lenses for tech eyewear, in December.\nThere are two reasons for such acquisitions: Meta plans so firmly with a technology that buying out the manufacturer is more cost-effective than contracting it out. And other companies no longer have direct access to the technology, so would have to work with Meta or search for alternatives.\nSufferers of these business practices could be mid-sized companies that are not specialized enough or too expensive to acquire, but whose products cannot compete with those of the large tech corporations, precisely because they also block access to relevant technology. One example might be the aforementioned Lumus, which Guttag said had plans to further develop the Maximus prototype and market it to end users.\nMeta is also on a shopping spree in the software sector, with more than six VR studios on its list so far. The latest acquisition, of VR fitness app Supernatural, is currently under review by the US antitrust agency FTC. Snap last bought AR e-commerce specialist Vertebrae in the summer.", "label": "Yes"}
{"text": "Motorists take advantage of gas deal\nPublished 11:18 pm Friday, October 3, 2008\nFRANKLIN—Drivers passing Farm Fresh on Friday morning probably did a double-take, hit the brakes and detoured into the parking lot when they saw the price the store was advertising for gas.\nBut then, a price of $3.29 per gallon would get anyone’s attention.\nThe store at 1459 Armory Drive was running a one-day special on gas. It’s a promotion that, according to employees, is run an average of four to six times a year.\nJudging by the line of cars snaking through the parking lot Friday afternoon, it’s a promotion that’s wildly popular.\n“I think it’s a swell idea,” said Walter Elliott of Murfreesboro, N.C. When asked if he had filled the tank of his Lincoln Town Car, Elliott nodded and laughed. “Yes I did. Yes I did,” he said.\nThe queue extended to as many as 17 cars at one point on Friday afternoon. Traffic cones were placed in key locations, and Farm Fresh employees were directing the line, which reportedly stretched, at times, through the parking lot almost to Armory Drive.\nRose Boone of Franklin was in line to fill up her Ford Escape. Gas prices, she said “are too high, they need to come down. It’s crazy.\n“You see an opportunity like this, you have to take it.”\nFranklin resident Chyerl Falls, behind the wheel of a Dodge Ram 1500, was taking full advantage of that opportunity.\n“I filled my car up here earlier,” she said. “I’ve got gas cans in the back to fill up too.”\nScot Allen, also of Franklin, had a slightly different tack on the situation.\n“Honestly, I think (the price of gas) is pretty realistic,” Allen said from his Ford F-150. “Your simple thoughts of supply and demand … it could be a whole hell of a lot worse.”\nDoug and Shirley Flythe drove all the way from Conway, N.C., when they saw an advertisement in their newspaper on Friday morning.\n“We came here to save a dollar — seven dollars,” Shirley Flythe exclaimed. “Now we’re going to go in the store and save some more.”\nNearby, George Fowler, a Suffolk resident who works in Franklin, emerged from the store and was placing groceries into his truck.\n“I’d like to have some of that cheap gas,” Fowler said, “but I didn’t want to stay in line for it.”", "label": "Yes"}
{"text": "Jacile Hébert is a seasoned professional when it comes to start-up ventures and brand management.\nOriginally from Calgary, she acquired her Marketing Management diploma at Mount Royal University and started as a door-to-door sales agent for a small start-up marketing firm directly after graduation. After a year in sales, Jacile was moved into a recruiting position to spearhead the growth of the organization. It was during her time as a recruiter where she re-branded the company and implemented social media as part of its growth strategy to stay ahead of the competition. She helped grow the small start-up of five sales reps in a single location to over 150 reps across seven locations in Canada within two years. This experience allowed Jacile to develop valuable skills in client management, recruiting, leadership, social media marketing, and digital branding.\nHer natural creativity, effective leadership, and tenacious sales ability have shaped her into a sought after professional for industry-leading companies. Since founding HOOK in April 2015, she has acquired 13 clients in the first three months of business and had plans to triple in size by the end of the year. In addition to her passion for commerce, Jacile is also an advocate and active volunteer for Operation Smile. She and her husband hope to develop their non-profit organization shortly.", "label": "Yes"}
{"text": "Vista Outdoor has completed the sale of eyewear brands Bollé, Cébé and Serengeti, a move first announced by Chief Executive Officer Chris Metz in November 2017—to allow the company to concentrate on its core, outdoor business—and key component in the firm’s strategic transformation plan unveiled in May. “An increased focus on our heritage ammunition business will manifest itself in more innovative and breakthrough new products introduced over the next few years,” Metz explained earlier this year. “We also anticipate that by prioritizing this business, we will be able to invest more capital to further enhance and expand our global leadership position.”\nA European private equity fund agreed to make the purchase in July and gross proceeds from the now-completed divestiture were $158 million. Vista Outdoor’s net proceeds from the sale, after transaction adjustments and financial advisor fees, were approximately $154 million, subject to customary post-closing true-up for working capital and other items.\n“Completing the sale of our eyewear brands is a positive step in our strategic transformation plan,” said Metz. “We believe this is a mutually beneficial arrangement for both parties, and we are excited that the buyer will help these iconic brands thrive.”\nCompanies that are currently part of the Vista Outdoors stable include Federal Premium Ammunition, CCI, Savage Arms, Eagle, Bushnell, Stevens, RCBS, American Eagle and many others. The meandering route in which the stylish eyewear firms fell into that family began when Bushnell Performance Optics acquired them for roughly $47 million in 2000. Bushnell was then purchased by ATK in 2013 and when Vista Outdoor departed from ATK as a separate, publicly traded company in 2015, they were part of the package.\n“We are eager to build on the momentum from this sale,” Metz said. “We are hard at work on the next stage of our transformation plan and confident in our ability to put Vista Outdoor on a path for future success.”", "label": "Yes"}
{"text": "It seems unreasonable to present brand-new monetary terms in a currently elaborate globe of money, cryptocurrencies provide a much-needed option to one of the most significant nuisances in today’s loan market – the safety of purchase in an electronic globe. Cryptocurrency is a specifying and also turbulent development in the fast-moving globe of fin-tech, an essential action to the demand for a safe tool of exchange in the days of online deal.\nSupply of coins in the electronic money globe is pre-decided, complimentary of control, by any kind of private, companies, federal government entities as well as economic organizations. The cryptocurrency system is recognized for its rate, as purchase tasks over the electronic purses can appear funds in an issue of mins, contrasted to the conventional financial system. Simply like the cash market in the genuine globe, money prices rise and fall in the electronic coin community. Bitcoin is the biggest and also most effective cryptocurrency so much, with a market cap of $15.3 Billion, catching 37.6% of the market and also presently valued at $8,997.31.\nAs a result of hard-coded limitations on their supply, cryptocurrencies are thought about to comply with the exact same concepts of business economics as gold – rate is established by the restricted supply as well as the variations of need. With the consistent changes in the currency exchange rate, their sustainability still continues to be seen. The financial investment in digital currencies is a lot more conjecture at the minute than a day-to-day cash market.\nLately, Bitcoin Loophole Review might have taken a dip to provide limelight to various other cryptocurrencies. The even more preferred cryptocurrencies are, the even more analysis and also law they bring in – a usual mystery that unsettles the electronic note and also deteriorates the main purpose of its presence. Also the International Monetary Fund (IMF) is afraid that cryptocurrencies will certainly displace main financial institutions and also global financial in the close to future.\nAs these are must-haves for the electronic system, it will certainly take a couple of even more years to understand whether a cryptocurrency will certainly be able to compete with the genuine globe money in complete swing. While it is most likely to occur, cryptocurrency’s success (or do not have thereof) of taking on the obstacles will certainly figure out the ton of money of the financial system in the days in advance.", "label": "Yes"}
{"text": "The government has announced a raft of laws aimed at transforming UK workers’ rights.\nNew measures, announced today, includes a day one statement of rights to workers, detailing their eligibility for sick leave and pay and details of other types of paid leave, such as maternity and paternity leave.\nThe proposals feature plans to introduce a single labour market enforcement body to ensure workers rights are properly enforced.\nMaximum employment tribunal fines are to be quadrupled for employers who are found to have shown malice, spite or gross oversight from £5,000 to £20,000.\nThe holiday pay reference period will be extended from 12 to 52 weeks in a bid to ensure seasonal workers are paid time off they are entitled to.\nThe proposals are in response to the 2017 review of modern working practices set up to address the so-called gig economy.\nThe review, titled Good Work: The Taylor Review of Modern Working Practices, was chaired by Royal Society of the Arts chief executive Matthew Taylor.\nIn total the government accepted 51 of the 53 recommendations made by Mr Taylor in his report, which significantly stopped short of totally banning zero-hours contracts.\nThe measures will also see the a legal loophole that enabled certain businesses to pay agency workers less than permanent staff scrapped.\nKnown as the ‘Swedish derogation’ the loophole allowed workers to sign pay-between-assignment contracts which enabled them to become employees of agencies rather than agency workers.\nHowever, under the current rules the agency staff were not entitled to equal pay between assignments.\nThe government said it had found from both the review and its subsequent consultations that protections were not strong enough for those employed by agencies with all the risk being transferred to the workers in some cases.\nAs a result the contracts have been banned by the government.\nThe government has also responded to the director of Labour Market Enforcement Sir David Metcalf’s review of the labour market with a focus on Sir David’s suggestions around the protection of vulnerable workers.\nThe new measures will see the creation of new powers to impose penalties for employers who breach employment agency legislation like non-payment of wages.\nA consultation on salaried hours work and salary sacrifice schemes in an effort to ensure national minimum wage rules did not inadvertently penalise employers.\nIt added that it would also bring forward legislation to enforce holiday pay for vulnerable workers.\nThe government has also launched a consultation regarding Sir David’s recommendations on non-compliance in supply chains.\nIn September shadow chancellor John McDonnell pledged to bring in new laws to give “gig economy” workers sick pay, parental leave and protection against unfair dismissal.", "label": "Yes"}
{"text": "The interest rate for FD is 7.7% and it’s compounded annually. There’s a very simple method for calculating the total amount of time after which your money will double. Divide 72 by the prevailing interest rates. For example, if the prevailing interest rate is 8%.\nThe account balance grows with interest but shrinks with withdrawals. When I take out the $150 withdrawal in year nine, the account balance has fallen to $0, as expected. The table below illustrates.\nThere are two main components of these present value calculations: an interest rate and a mortality table. The argument continues as follows: “The plan specifies the actuarial assumptions used to.\nCalculating Payments or the Interest Rate from a Mortgage Table We mentioned earlier that before computers, bankers used to use mortgage tables to calculate monthly payments. I’ve included a complete set of tables (interest rate 0% to 20% in 0.05% increments) for determining the payment per $1,000 of principal in Appendix B of version 1.2 of my.\nQuickly calculate the future value of your investments with our compound interest calculator. All data is tabled and graphed in an easy to understand format.\nSomething worth noting is that this free online IRS Interest Calculator is designed only for the use of individuals (both single and married) and not for the use of companies. Furthermore, the IRS interest rates which this calculator uses are updated at the end of each tax quarter.\nInterest Only Loans Rates How much will my interest-only payment be? | myFICO – Monthly payments are shown both during and after the initial, interest-only period . The interest-only loan used in this tool is assumed to have a fixed rate.\nUse theThe financing charge you’ll receive or pay is shown in the financing field. Negative values indicate financing must be paid.) Notes. If you want, you can change the current values to use historical currency rates or historical interest rates.\n15 Year Mortgage Interest Rate Chart Freddie Mac mortgage rates freddie mac March Forecast: Lower than expected mortgage. – Sam Khater, Freddie Mac’s chief economist, says, \"The real estate market is thawing in response to the sustained decline in mortgage rates and rebound in consumer confidence – two of the most.mortgage rates trend upward for Monday – You can use Bankrate’s mortgage calculator to estimate your monthly. It will also help you calculate how much interest you’ll pay over the life of the loan. The average 15-year fixed-mortgage rate.\nSo interest rate is also very important metric in your returns. This table shows how 1% difference can change your returns every year. (Assuming returns are quarterly compounding) Second importatnt.\nRisk free rate: The risk free rate is very simple; again just the interest rate for a German 10. Ryanair’s Financial Statements This can then be used to calculate the terminal value of Ryanair (see.", "label": "Yes"}
{"text": "Genesis mining farm bitcoin promo code 9ihzcr he told me that he could \"never stay mad\" at me and blockchain mobil uygulama kullan m we were back bitchair ico unlimited withdrawal review bitcoin investment being best buds for life. Dimension Interrogator - This week in bitcoin 9 15 2017 china btc fud roller coaster 1. PC Magazine. Business Card. Rap Teacher horsocopes. Chris Cooley. Posted in ... Bac stock option. Purchase bitcoin with cc. Healthcare blockchain use cases. Crypto exchange listing fees nyserda grants? Should i use fidelity. Non-farm payrolls. Latest bitcoin blocks. What is lrc. How to invest money for dummies: 1: 10%: Why did sports authority go bankrupt: 2: 10%: Ulta survey: 3: 19%: Who develop : 4: 18%: New stock to invest in: 5: 13%: Yahoo smart contacts: 6: 15%: Best ... What is cryptocurrency quiznos bankruptcy. What is cryptocurrency quiznos bankruptcy. Hitbtc shows not connected. Bitcoin mining rig price in india. CaixaPay history chart. Technological improvements will:. Bitcoin Discussion General discussion about the Bitcoin ecosystem that doesn't fit better elsewhere. News, the Bitcoin community, innovations, the general environment, etc. Discussion of specific Bitcoin-related services usually belongs in other sections. Moderator: hilariousandco. 2279687 Posts 92131 Topics Last post by NotATether in Re: Satoshi Nakamoto a.k... on Today at 10:23:52 PM Child ... Bitcoin Core integration/staging tree. https://bitcoincore.org. What is Bitcoin? Bitcoin is an experimental digital currency that enables instant payments to anyone, anywhere in the world. Bitcoin uses peer-to-peer technology to operate with no central authority: managing transactions and issuing money are carried out collectively by the ... Bitcoin value history 2020.. Thunderstake email. Lotus e cig starter kit. SONO api. GoldCoin all time high. TigerCash review. Pecunio chart. Best bitcoin exchange for cashing out. Coin Lion free. Cancel adobe stock subscription. Bitcoin logo png transparent heart. What is cryptocurrency ixl math 2nd grade. Neo human evolution. How to transfer from hitbtc to binance. Noku dyor. 1X2 COIN game. Doulci activator review! PlusOneCoin reddit. Dether platform. Like coursera. PCHAIN server. MoX email. Days in spanish google translate. CyberVein hacked. BHPCoin bounty. Brain damage drug. Centurion alts. Kingsd. A rubix cubes.. Paymon lowest value. Ontology reddit. Electric tesla cars. Bitcoin youtube newshour live. Hard ... Bitcoin Interest abuse.. HADAX value? Iconic is dead. Word pass recovery. Roy review. Trace your ancestors. Type of algorithms. Crunchbase snapchat. Bitstamp limits verified. CannabisCoin profit. Photography and technology. The 64 computer. Bitqy ico. Mit climate action plan.\n[index]          \nIn this video I show how to mine Bitcoin using GUIminer (for Windows). GUIminer is easy to set up, settings for all the popular miningpools are already fille... bugün sizlere cryptopia sitesini tanıtıyorum iyi seyirler ----- cryptopia alt coin alma,cryptopia kullanımı türkçe, cryptopia withdrawal, cryptopia türkçe, cryptopia exchange, cryptopia ... This video is unavailable. Watch Queue Queue. Watch Queue Queue Hello guys and gals, it's me Mutahar again! This time we sit down and make a system and show you a real world example of getting infected by a new range of m... Bitcoin la gi bitcoin co lua dao khong mining la gi mua bitcoin o dau Stacking la gi dao bitcoin trau dao bitcoin etherum bicointalk blockchain Review ICO Crypto Review ... electroneum-wallet-cli.exe --generate-from-keys NewWalletName Command line to send to exchange: (without brackets) transfer normal 1 (address for Cryptopia) (amount of ETN) (paymentid from Cryptopia) minergate review minergate download minergate unconfirmed balance minergate token expired minergate reddit minergate vs nicehash minergate calculator minerga...", "label": "Yes"}
{"text": "Dollar's Value Gives A Boost to Exports\n| NEW YORK\nTHERE'S certainly one bright spot in the current sluggish economic setting in the United States - exports.Despite a drop in exports in August, that's the view of a number of analysts here, including George Iwanicki of Kidder, Peabody & Co., and Dr. Robert Barbera of Shearson Lehman Brothers Inc. Dr. Barbera, for example, says that the current environment of slow economic growth and relatively low inflation means that the US will retain a very \"competitive position\" on merchandise trade. US exports, he concludes, will remain \"firm.\" Similarly, Mr. Iwanicki's argument has more to do with favorable currency valuations than just the quality of US products, although many US products - such as in aerospace, chemicals, and computers - are sought for their excellence. The overriding advantage for US exports continues to be the value of the dollar vis-a-vis other currencies. Although the dollar rose in value against other currencies during the first half of 1991, the dollar, \"on an export-weighted value,\" argues Iwanicki, remains low relative to its levels in the mid-1980s. Export-weighted dollar values are \"dollar exchange rates adjusted for relative inflation differences and weighted by export shares for each industry.\" Thus, Iwanicki concludes that despite the 4.4 percent rise of the dollar since February, the export-weighted value of the dollar was only 0.2 percent higher in August than it was a year ago. Recent dollar rises, in fact, have been uneven. While the dollar recently rose against the currencies of Germany and other European nations, the dollar gains were \"modest or nonexistent\" against such major US trading partners as Canada, Japan, and Mexico. The distinction is crucial to why US exports are doing well, Iwanicki says. Canada is the major trading partner for the US, accounting for more than 21 percent of all US exports (in dollar terms), Japan for over 12 percent, Mexico for 7 percent, and Continental Europe, 19 percent. Still, there is some concern about the impact of slower overseas growth on the US manufacturing sector. According to a new study by IDS Advisory Group Inc. in Minneapolis, the \"slowing in overseas growth is likely to lead to a decline in the rate of gain in US exports.\" A slowdown in Germany, for example, would be significant for US manufacturers. The reason? High interest rates in Germany, according to Shearson Lehman, could act as a drag on the Continent as a whole, offsetting any pickup in growth on the part of individual countries there. In turn, a slowdown on the Continent could tug growth downward in Britain, which absorbs about 6 percent of US exports. Still, the overall consensus is that, for now at least, US exports are looking good. The manufacturing sector should benefit from this trend, says Iwanicki. Industries expected to do well in the months ahead, he adds, include capital goods and some industrial supplies and materials. Taken together, these account for over 60 percent of US merchandise exports. Capital goods industries are particularly important, comprising almost 40 percent of US merchandise exports during 1990. Two major US manufacturing sectors find themselves increasingly dependent on exports, experts note - automobiles and aircraft. In the case of autos, Detroit is reeling from the slump in US consumer spending. Last week General Motors, Ford, and Chrysler noted that sales of cars and light trucks were off sharply in the first 10 days of October, a critical period for the carmakers, since October is the start of the new model year. Whether Detroit can count on vigorous sales abroad - given a slowing economy in Europe - is questionable. The same pattern holds for makers of commercial aircraft. Aerospace companies face declining defense spending, plus a recession-related travel slowdown in the US market. So it is important for the manufacturers to maintain or expand exports. But, with many of the major overseas carriers based in Europe, this may prove difficult.", "label": "Yes"}
{"text": "ATLANTA - Using 481 pages of flowcharts, spreadsheets and even a handy glossary for those unfamiliar with the bureaucratic buzzwords, Gov. Sonny Perdue last week laid out his budget proposal for the state spending year that begins July 1.\nThis week, lawmakers get a crack at it.\nBudget hearings mark the only significant activity set for the Capitol next week, as lawmakers take time off to give their appropriations committees time to pore over Perdue's plans and fire questions at agency heads coming to explain the details.\n\"This is our chance to directly talk to department heads to start to develop our opinion of what the budget should look like,\" said Senate Appropriations Chairman Jack Hill, R-Reidsville.\nRepublican leaders have drastically scaled down the meetings, which often lasted for several days under Democrats. Now, only the heads of major agencies step into the limelight, shortening the process to just two days.\nMeanwhile, budget writers have plenty of money to deal with: Perdue's proposal broke the $20 billion mark for the first time in state history, coming in at $20.2 billion. Legislators have to stay within the revenue estimate Perdue gives them because of state law requiring a balanced budget.\n\"I think that's the good news, is that we are growing, (but) we've got a lot of needs we need to meet,\" said House Appropriations Chairman Ben Harbin, R-Evans.\nAnd as the budget process gets rolling, lawmakers will be thinking about how to bring some of that $20 billion to their districts. They'll have to make their case in public before a special committee in competition with the requests of their colleagues.\nOn the web\nThe Georgia legislature can be found online at: www.legis.state.ga.us\n© 2018. All Rights Reserved. | Contact Us", "label": "Yes"}
{"text": "Retail is unique. Perhaps more so than any other industry, retail is ubiquitous, complex and ripe for disruption.\nThese characteristics create a differentiated set of challenges for retailers, but they also create enormous opportunities.\nIn fact, retailers now have more opportunities than ever to engage consumers and grow their customer base. However, there’s little room for error in doing so thanks to fierce competition within the industry and ever-heightening consumer expectations.\nAs a result, taking advantage of these opportunities to grow the business and become a true market leader requires a high level of expertise and a deep focus on everything that makes retail so unique.\nWhat Makes Retail So Unique?\nFive factors, in particular, make retail a highly unique industry:\n- Highly competitive, with no path for winner-take-all: Retail most certainly has market leaders, but the diversity of retailers and consumer preferences protect against it becoming a winner-take-all industry. This makes it highly competitive and forces leaders to continuously fight to maintain their positions in the market.\n- Leader in innovation: Retail has always been at the forefront of innovation, which continues to drive competition. As retailers aim to meet and exceed evolving consumer expectations, this innovation can extend to anything from experiences and purchase processes to supply chains and business models to omnichannel engagement.\n- Disproportionate impact of marketing and advertising: Retail purchases are highly emotional, especially compared to purchases like choosing an airline or a bank. Often, consumers choose products or brands due to an emotional connection, and this means marketing and advertising carry a disproportionate impact on success in retail. It also means that these areas of the business must be profit centers, not cost centers.\n- Differentiated sub-verticals: Retail consists of several highly differentiated sub-verticals. Although all retailers do have similar needs and processes that are unique to the industry as a whole, important nuances separate apparel retailers from home goods retailers, luxury retailers from non-luxury retailers and so on. Understanding these nuances necessitates deep, industry-specific expertise when developing strategies to engage consumers and grow loyalty.\n- Bellwether of economic health: Retail is often used as an early indicator of economic health, since sales reports are a strong sign of consumer spending power and the retail industry is the largest private-sector employer in the US economy. However, accurately measuring retail success and using that data to understand economic health requires a long term view due to the seasonal nature of retail.\nWhy Does Retail Require Deep Expertise?\nAll of the factors that make retail so unique also mean that it requires deep expertise to get right. From creating meaningful connections with consumers in different ways across retail sub-verticals to introducing highly innovative, omnichannel experiences, succeeding in retail isn’t easy.\nSpecifically, succeeding in retail requires significant knowledge around:\n- Movement within the broader retail industry, as trends like the rise of eCommerce, mobile and direct-to-consumer strategies continue to shift expectations\n- Key goals to drive growth, such as the value of retention vs. acquisition, and how to use data to achieve those goals\n- Common patterns in customer behavior that require specific marketing programs to fill gaps and keep shoppers engaged\n- Differences between and unique goals for specific sub-verticals, including shopper behavior, product changes and overall engagement patterns\nPrepare Your Retail Marketing Team for a Retail Reckoning\nReady for even more on what makes retail unique and why retail requires such deep expertise to get right? Click here to get the full details, plus an analysis on key inflection points in modern retail and how to approach the next wave of retail.", "label": "Yes"}
{"text": "The most recent hack of Nvidia GPUs has increased the efficiency of GPUs from 20 to 40% according to WuBlockchain. Following the initial hack, criminals have blackmailed the company, threatening to release the driver to the public.\nAccording to the report, the private driver that removes limitations from graphic cards allows increasing mining efficiency from 20 to 40%. Initially, the manufacturer limited the hashrate of each GPU piece before releasing them to the public.\nThe LHR (Low Hash Rate) GPUs appeared on the market after the explosive demand increase for the graphical processor for cryptocurrency mining.\nFollowing the initial hack, LAPSUS hacking group released a message with an offering to sell the customized driver that removes the LHR limitation put out by the manufacturer. According to the message, the driver will work for Nvidia's RTX 3000 GPU series.\nBack in 2021, Nvidia released a dedicated Crypto Mining Processor that offered a significantly higher hashrate back in February 2021. But despite the loud launch and high hopes for the products, the lack of updates and low usability caused a drop-off in sales later on.\nAccording to the Bitcoin and other PoW cryptocurrencies hashrate, miners are leaving the market due to a major drop in revenue. But while retail miners decide to leave the market, companies like Marathon increase their offerings by mining 3,197 Bitcoins in 2021 with 32,150 miners, holding approximately 8,956 Bitcoins as of Feb. 28, 2022.", "label": "Yes"}
{"text": "The Barrière Desseigne family, Accor and Colony Capital have signed an\nagreement to create a group with a leading position in the European casino\nsector. The agreement is based on the combination of the casino and hotel\nassets of Société H™telière de la Cha”ne Lucien Barrière (SHCLB), Société\ndes H™tels et Casino de Deauville (SHCD), Accor Casinos, and their\nrespective subsidiaries. The Barrière Desseigne family currently owns 100%\nof SHCLB and 54% of SHCD.\nAccor owns 35% of SHCD and 50% of Accor Casinos, with Colony Capital\nowning the remaining 50% of Accor Casinos. On completion of this important\nexternal growth transaction, the Groupe Lucien Barrière will simplify the\nshareholding structure, with the Barrière Desseigne family 51% in the\nGroup, with Accor holding 34% and Colony Capital holding 15%. In addition\nto its shareholding, Colony Capital, through its European fund Colyzeo,\nwill invest EUR100 million in the Group, further strengthening the Group`s\nThe new shareholding structure will be accompanied by a shareholders`\nagreement setting forth the Group`s governance, in particular with respect\nto certain of the Group`s major decisions, in accordance with usual\npractice in this type of shareholding structure. Under the shareholders`\nagreement, Colony Capital will have an option to sell its shareholding to\nAccor, with Accor holding a similar option to buy Colony Capital`s\nSHCLB, to be renamed Groupe Lucien Barrière, will be transformed into a\n“simplified joint stock company” (société par actions simplifiée).\nDominique Desseigne will be appointed Chairman of the Supervisory Board\nwith specific additional powers, Benjamin Cohen will be Vice Chairman.\nSven Boinet will chair the Management Board.\nPro-forma for the transaction, gross revenues for the Group were\napproximately EUR900 million for FY2003. The Group will operate 37\ncasinos, with close to 5,000 slot machines in locations that include\nDeauville, Enghien, La Baule, Montreux, Bordeaux, Biarritz and Nice.\nAdditionally, the Group will operate 13 luxury hotels and a substantial\nrestaurant business, including Fouquet`s on the Champs-Elysées in Paris.\nThe transaction will combine the respective strengths of the Groupe Lucien\nBarrière and Accor, in the commercial, industrial and financial areas to\nattract new clients, improve the profitability of the Group and continue\nthe consolidation of the casino sector in Europe. The transaction will\ntake the form of an acquisition by Groupe Lucien Barrière of the\noutstanding shares of SHCD and Accor Casinos currently held by the\nBarrière Desseigne family, Accor and Colony Capital.\nGroupe Lucien Barrière will also acquire the “Lucien Barrière” brand from\nthe Barrière Desseigne family and will licence the use of the brand to all\nthe casinos and hotels within the Group, on the terms set by an external\nvaluation. The agreement is subject to certain conditions precedent, in\nparticular approval by the antitrust authorities and the casino\nThe Barrière Group is organised around a concept: the resort, a holiday\ncentre where luxury hotels, restaurants, sports and fitness facilities are\nprovided around a casino, for both private and corporate clients. The\nBarrière Group currently operates 13 hotels (2,000 rooms), at La Baule,\nCannes, Deauville, Dinard, and Enghien-les-Bains, 14 casinos in France of\nwhich the Casino Barrière at Enghien-les-Bains has been ranked the top\ncasino in France for the second consecutive year, and a casino in\nSwitzerland (Montreux) that is the largest casino in French-speaking\nSwitzerland. The Barrière Group also operates 57 restaurants including the\nrenowned Fouquet`s Paris as well as discotheques, 3 golf courses, 1\nthalassotherapy centre and 2 tennis clubs.\nIn addition, the ultra luxury hotel development, H™tel Fouquet`s Barrière,\nis expected to open in 2005. As of October 31, 2003 The Groupe Lucien\nBarrière had 4,400 employees, with revenues of EUR646 million.\nAccor, with 150,000 associates in 140 countries, is the European leader\nand one of the world`s largest groups in travel, tourism and corporate\nservices with two major international business activities: hotels, with\nnearly 4,000 units, and services to corporate clients and public\ninstitutions. Accor Casinos, a subsidiary of Accor and Colony Capital,\ntoday operates 24 casinos (3 are in the course of being opened) including\nRuhl (Nice), Bordeaux, Les Sables d`Olonne, Cannes Mandelieu, Saint\nRapha‘l, Sainte Maxime, Carry Le Rouet, Carnac, Perros-Guirec, Chamonix\nand Le Touquet.\nFor fiscal 2003, Accor Casinos had revenues of EUR389 million.\nColony Capital is a private investment fund, specialising in real estate,\nwith invested capital of more than US$10 billion since 1991, of which US$4\nbillion was in Europe. Colony Capital has been investing in the casino\nsector since 1999 and is one of the few funds to meet the requirements of\nthe American casino regulators. Funds managed by Colony Capital own\nResorts International at Atlantic City, Costa Smeralda in Sardinia and the\nGuanahani on Saint Bart`s. Colony Capital recently announced that it has\nentered into an agreement to buy the Las Vegas Hilton. Since 1999, Colony\nCapital and Accor have entered into several partnership agreements in the\nhotel and casino sector.\nColyzeo is the European investment fund formed from a partnership between\nColony Capital and Eurazeo.", "label": "Yes"}
{"text": "By John Lee.\nGenel Energy has successfully completed the issuance of a new $300 million senior unsecured bond with maturity in October 2025.\nThe new bond will have a fixed coupon of 9.25% per annum. The transaction is subject to customary closing conditions and settlement is expected to occur on or about 14 October 2020.\nIn connection with the issue, the Company has agreed to repurchase $223 million of its existing $300 million senior unsecured bond issue with ISIN NO 001071088.2 and maturity date in December 2022 ('GENEL01 PRO').\nGenel has the option to call the outstanding bond amount in December 2020 at a price equal to 105% of the nominal amount.\nPareto Securities acted as bookrunner and manager for the bond issue.\n(Source: Genel Energy)", "label": "Yes"}
{"text": "A personal blog about life, children, relationships, popculture and anything under the rainbow.\nLower and Lower and ?\nWow, I cannot believe it when I saw the price of gas at the pump. I have not seen it this low since...I cannot even remember. These photos were taken at the same day. It was $2.10 when I drove the kids to school and when I was on my way to pick them up 7 hours later, it went down $0.03. It was even lower the other day, I saw it at $2.01 at the same station. At the Stop and Shop, it was less than $2.00. So, if the gas prices went down, how come food prices didn't?", "label": "Yes"}
{"text": "“Snow me the money!” exclaimed Maria Fonseca, Aberdeen, as Lottery officials presented her with an oversized souvenir check for $50,000 in their Boise office. Fonseca claimed the final top prize in the Idaho Lottery’s holiday-themed Scratch GameTM Snow Me the Money on Wednesday afternoon.\nOn Sunday evening, Fonseca stopped at her local Maverik to play a few Idaho Lottery Scratch tickets. “I asked the clerk for a Snow Me the Money ticket. I started to scratch it, saw the snowflake (the winning symbol), and then BOOM! I saw a lot of zeroes!” described Fonseca, a college student at Idaho State University in Pocatello. “The most I’d ever won before was $10. This is way bigger than that!”\nUnconvinced she’d won such a large prize Fonseca used her smart phone and the Idaho Lottery check-a-ticket app to confirm her win. The message instructed her to contact the Idaho Lottery offices about her winning ticket. Three days later, she made the journey from Aberdeen to Boise to collect her prize.\nFonseca plans to share her winnings with her brother, Augustine, a student attending the College of Southern Idaho in Twin Falls. Both are planning to use the winnings to pay for their college tuition.\nFor their part in selling the winning ticket, Maverik receives a bonus from the Idaho Lottery of $5,000.", "label": "Yes"}
{"text": "- 2014 Police & Justice Conference\n- 23 June 2014\n- Carried as Amended\nThis Government and likely future Governments agendas for shrinking the State and privatising Police and Probation services is resulting in our members being employed by private companies. The effect of this is the fragmentation of UNISON branches in the Police & Justice sector which will make it increasingly difficult to organise, support, recruit and retain members in the sector.\nThis Conference instructs the National Service Group to develop a strategy to maintain and increase Police and Probation membership in the growing private sector.", "label": "Yes"}
{"text": "WASHINGTON – Trying to curb home foreclosures, the Senate voted on Wednesday to make it easier for homeowners with risky credit to switch to a lower-cost mortgage backed by the government.\nThe bill, passed 91-5, also would give banks a break by encouraging reduced fees they must pay for the government to insure deposits.\nWhile both steps put taxpayer money on the line, lawmakers say the legislation is needed to prevent the economy from getting worse.\nAbsent from the measure was a bankruptcy provision that President Barack Obama had promised to push through Congress, but which drew stiff opposition from banks. The provision, rejected by the Senate last week in a 51-45 vote, would have allowed bankruptcy judges to lower a person’s mortgage payment.\nWhile the House included the provision when it passed its version of the bill in March, lawmakers said it didn’t have enough support to insist it be included in the final compromise bill. The two chambers have to iron out their differences in the legislation before it can be sent to Obama to sign.\n“That issue is a dead letter,” said Sen. Christopher Dodd, D-Conn., chairman of the Banking Committee.\nThe Senate housing bill would expand an existing $300 billion program called “Hope for Homeowners,” which encourages lenders to write down an individual’s mortgage if the homeowner agrees to pay an insurance premium. The program, which is set to expire in 2011, is intended to swap out a homeowner’s high-interest rate for a 30-year fixed loan backed by the Federal Housing Administration.\nSo far, the program has been a dud.\nWhen it was established last year, Congress envisioned helping some 400,000 troubled homeowners. But because eligibility requirements were so strict, one borrower has completed the refinancing process and only 51 more are in the works, according to statistics released last week.\nThe Senate bill would expand eligibility. For example, the program currently bans participants who intentionally defaulted on the mortgage or other substantial debt. The Senate bill would narrow that prohibition to defaults within the last five years.\nRepublicans swung behind the proposal to expand the program using $2 billion from the $700 billion Wall Street bailout fund. Sen. Richard Shelby of Alabama, the top Republican on the Banking Committee, co-sponsored the bill with Dodd.", "label": "Yes"}
{"text": "Mortgage fraud is a type of fraud committed by borrowers and professionals within the mortgage industry and it is usually committed for either profit or housing purpose. Mortgage fraud can be said to have been committed on a property when there is a misrepresentation, deception or omission with regards to the property to in order to insure a loan.\nProfessionals within the mortgage industry sometimes deliberately withhold or don’t give full information about their clients credit/debit, employment status, condition and value of their property in other to secure a loan for them and maximize profits on loan transactions. These details are intentionally omitted by the loan officer, title company, insurance agent, real estate agent, mortgage broker or appraiser with the aim of maximizing profits on that loan transaction and gaining extra sales commission.\nBorrowers are also culpable in committing this fraud and it is done with the help of officers that are processing their loans. The main reason borrowers partake in this is to obtain or maintain real estate ownership. They omit the details of their income, credit/debit status with the knowledge of their loan officers.\nThe two most common fraud scams within the industry are the air loan and appraisal fraud . Loans sometimes can be obtained on a nonexistent property for a nonexistent borrower, this is called air loan. Professionals within the industry combine efforts to create a ‘ghost borrower’, nonexistent property and title on such property, fake employment verifications, phone numbers, mailboxes etc. All these are done in other to make everything appear legitimate. This fraud just puts cash in the hands of the scammers without selling or buying any property.\nAppraisal fraud on the other hand is also perpetrated by the industry professionals such as the real estate agent, loan officer and loan officer joining forces to maximize a purchase price and loan amount in order to increase commission.\nGovernment agencies are stepping up to combat mortgage fraud in all its ramifications by monitoring the real estate industry/market. Professionals within the industry are required to be properly licensed and improve their skills. In addition, the activities of companies within this industry is being monitored and audited on a regular basis to ensure adherence to guidelines and best practices.\nIn general the industry is being properly regulated with the hope of totally eradicating the fraud within the industry.\nTrackback from your site.", "label": "Yes"}
{"text": "The Family Fun and Activities Expo Welcomes Startups…\n…in order to introduce the latest and greatest products and services to parents so they can make informed choices for their children. Let us customize an affordable exhibit package for you.\nIt’s a well-known fact that startup companies have limited resources, not just financial, but also time & manpower. Expos Your Business has worked directly with its sponsors and its marketing agency to help you solve that problem by creating special pricing just for startups.\nStartup pricing is available for businesses that qualify based on need and relevance to our shows. This helps get your startup the exposure it needs while providing valuable new resources for our attendees.\n- Operate for profit\n- Be engaged in, or propose to do business in, the United States or its possessions\n- Have reasonable invested equity (Owned by Individual or Individuals)\n- Be able to demonstrate a need for the support funding\n- Provide a TAX or EIN number for the business along with a County Clerk Business Certificate or Corporate Documents in the State of New York, New Jersey, Pennsylvania, Maryland, Delaware, California, Arizona, Florida or Connecticut.\nBenefits of Program:\n- Reduced cost of exhibit space\n- Additional marketing exposure\n- Consulting support for tradeshow success (materials & strategies)\nComplete application below. Funding is limited by industry & overall availability.", "label": "Yes"}
{"text": "Blake Griffin on this week’s cover; first Clippers cover in more than 11 yearsPosted: November 30, 2011\nClippers forward Blake Griffin graces the cover of the Dec. 5, 2011, issue of Sports Illustrated, on newsstands now. It is the fifth time that Griffin has made the cover and his first as an NBA player. For the Clippers, it is their first cover since Darius Miles appeared on the Oct. 31, 2000, issue.\nThe NBA and its players spent five months flirting with basketball apocalypse. Was it worth it? Speaking with senior writer Lee Jenkins (@SI_LeeJenkins), commissioner David Stern assessed the new labor agreement: “It’s nothing anybody can see when they get back on the court, but we will be a better league over time. The league will be stronger and our fans will like us better if they feel the competition is better.”\nThe specifics of the new CBA include the following (page 44):\n- Boost to small-market franchises: League executives who have spoken to SI say that a new revenue-sharing plan will create three-to-four times greater cash flow, giving small-market owners more money to spend.\n- Rules forcing owners to spend: All owners will be ordered to spend at least 85% of cap space, preventing them from hoarding their new bounty.\n- Increased luxury taxes: The luxury tax will be raised in two years by 50%, with escalators kicking in for teams more than $5 million over the cap and further penalties for repeat offenders. Executives project that some clubs will still absorb the tax but not as many as before.\nSports Illustrated’s post-NBA-lockout coverage includes a breakdown of the biggest names in the free-agency market and team scouting reports—revealing each club’s strengths and needs heading into the season and where they’ll end up.", "label": "Yes"}
{"text": "Mortgage Broker Inglis Mortgage broker kenneth city Mortgage Broker Montverde Buyer help with real estate negotiations, find homes, get a mortgage and contract to closing services for home buyers in Apopka, Winter Park, Orlando, Clermont, Montverde, Gotha, Ocoee, Winter Garden,Francis Harris III, a washington real estate broker and builder who was part. \"get out from under the criticism that it’s a Tongsun Park club.\" Club treasurer Frank Spinetta, who is head of.Mortgage Broker Port St. John Find a Mortgage Broker | Which Mortgage Canada – Broker networks are the companies that mortgage brokers work under, and brokers working as part of one of these operations use a brand name and are sometimes able to get bonuses or increased commissions from lenders that offer incentives for companies that sell large volumes of their loans.you need to source a mortgage broker that can explore alternative financing options for you-hopefully with a B-lender.\nThe Bank of Canada once again maintained its target for the overnight rate at 1.75% in September, fostering an environment that will discourage mortgage. between the West and Russia, Iran.\nReal estate broker Bryn Elliott gets why millennials are scared of buying. who works at Freddie Mac, the federal home loan.\nA Boca raton mortgage broker, author and owner of Coastal States Mortgage Corp. stole millions of dollars in loan payoff monies to fund his own expenses, according to a criminal complaint filed.\n“The blows to the market from Brexit are being countered by low supply, low mortgage rates, a robust jobs market and.\nbrokers and financiers as they gather for THE MULTIFAMILY EVENT OF THE YEAR! Click here to register and view the agenda. Lisa.\nKALISPELL – Just days after a West Glacier mortgage broker denied federal charges of bank and wire fraud, prosecutors moved to dismiss the charges. Deanna Helen McAtee was indicted in a complicated.\nMortgage Broker Reddick We’re an independent mortgage broker firm, based in the heart of Farnham, who has been offering Welcome to The Surrey Mortgage Broker. We are a Farnham-based provider of Independent.\nThe EUR/USD pair moderated its advance on Friday, compliments to stronger-than-expected US data, finishing the week anyway with gains around 1.1070. Better-than-expected US data released Friday.\nBut if they really wanted a taste of cocoa’s riches, the West African neighbours would be better off focusing on processing beans. There’s a chance the agreement falls apart, which is why prices only.\nIndian American mortgage broker Mona Das, a Democrat running for Congress from. In an interview with India-West last fall, shortly after launching her campaign, Das said she was inspired by Rep.\nST. LOUIS A mortgage broker from St. Peters has been indicted on federal charges for falsifying documents and information on two mortgages, the U.S. Attorney’s office said Friday. Robert Poynter, 50.\nMr. Bercy was at all relevant times a licensed real estate broker in California. Argus was chiefly engaged in making.\nMortgage Broker Miami Lakes Weston company invests in bonds for the good – The Miami Lakes-based BankUnited began investing in Community. Cohen, a South Florida native who graduated from Hollywood Hills High School, has been a trader of mortgage-backed securities. At.\nA few days ago, I put up a spoofy post called \"Five Jobs for Lousy Times and No Talent Necessary.\" One of my top picks was reverse mortgage broker. My reasoning: As the population ages and taps out.\nThe broker noted that the frequency of use was driving operating. Brent crude futures, the international standard, settled.", "label": "Yes"}
{"text": "Silver Market Demand — A Letter from Our CFO\nPosted By | October 9, 2015\nThe demand we are seeing today is arguably worse than the 2009-2011 demand in the silver market, making it an optimal time to invest in silver with 6-year low silver spot prices and soaring silver premiums.\nYour Future and Your Legacy!\nPosted By | June 15, 2018When it comes to finding refuge during financial crises, there are few investments more suitable than gold for the purpose. Time and again, history has shown gold can be the “go-to” investment for tho...\nPosted By | June 13, 2018Will depositors’ stock market accounts suffer? One reason to own physical precious metals in your portfolio is to help you face an impending financial calamity. Another is to gain the peace of mind ...\nPosted By | June 8, 2018Discussions of precious metals investment understandably tend to focus on the role of gold and silver in fortifying portfolios during times of economic and/or geopolitical upheaval. Modern history inc...\nFIND OUT HOW\nGOLD CAN BOOST", "label": "Yes"}
{"text": "U.S. unit sales of Apple's Macintosh computers grew 26% in July over the year ago quarter, tech tracker NPD reported Monday, outpacing the U.S. PC unit sales growth of 4%.\nNPD's data supports the view that sales of Apple's tablet computer are crimping demand for cheap 'netbook' computers -- not a problem for Apple, since the Cupertino, Calif.-based company doesn't sell the stripped down notebooks.\nWhile overall PC sales grew, sales of in the 'subnotebook' category fell 13% from July 2010 following a plunge of 20% in June. The average selling price for subnotebooks rose to $521 last july from $343 in July of 2010.\nThe surge in Mac sales comes thanks to the July 20 launch of Apple's MacBook Air outfitted with Intel's latest processors, an updated Mac Mini, and the release of OS X Lion, the latest version of Apple's personal computer operating system.\nApple's personal computers commanded an average price of $1338, compared to $716 for the broader PC market. Apple's share of new personal computers shipped in the United States rose to 18%, up from 15% during the year-ago quarter.\n\"We believe Apple will continue to gain share in Macs over the long term even as the iPad grows,\" Ben Reitzes, an analyst with Barclays Capital, wrote in a note to investors Monday. \"Given the data and our checks, our estimate for Mac growth of 18% y/y for Apple's C3Q, may turn out to be conservative even though the global economy appears to be slowing quite a bit.\"", "label": "Yes"}
{"text": "Your free trial includes CECL Estimator Tool: the simple, easy practical way to get ready.\n- Modeled specifically for Community Banks\n- Do-it-yourself – consultants not needed\n- Provides the initial measurement of expected losses that regulators require\n- Huge help for banks, since no Interagency tool exists to estimate CECL\n- Estimated QwickAnalytics CECL amount may be entered as an assumption in new Interagency tool for estimating impact on Capital Ratios\n- Simply edit the model to generate your customized report\n- Unbeatable value! You’ll have FREE access to ALL QwickAnalytics tools, plus the CECL Estimator!\nFrom recent joint Webinar:\n“... for smaller, less complex community banks, complex modeling techniques are not required, and simple practical methods should work.”\nCECL Webinar for Bankers: Practical Examples of How Smaller, Less Complex Community Banks Can Implement CECL (by FDIC, FRB with the CSBS, the FASB, and SEC) February 27, 2018", "label": "Yes"}
{"text": "Dont be lazy and read their last reports. They have enough cash till mid 2016 but for marketing they need more cash. Most likely a partnership or buyout buy a Japanese firm.\nSentiment: Strong Buy\nHad some shares from the $5 range and bought some more in the $0,60 range last months. Nothing has changed and can`t find a good reason for the run. Rumours new partnership?\nWow, that is very low. Good for my shorts! Do you have a link", "label": "Yes"}
{"text": "Coronavirus: No help for those in entertainment working behind the scenes\nJohn Van Norman is used to being invisible.\nThe Yucca Valley resident owns NextExit Productions and has spent almost 40 years as an audio engineer for corporate meetings and conventions, working behind the scenes to ensure events go on smoothly and successfully.\nBut with the onset of the coronavirus pandemic, along with the efforts put in place to fight the spread of the virus, Van Norman worries that the show will no longer go on for himself and thousands of other unseen independent contractors in the entertainment industry.\nAfter the cancellations of numerous large events in this region because of the virus and now a statewide shelter-in-place order that shutters all businesses considered to be non-essential, he's out of work and significantly concerned about his livelihood.\n\"It wiped out my calendar for the rest of the year,\" Van Norman said. \"It happened so quickly that I didn’t have time to plan. I’m going to have to (find other ways to earn income) but this all happened so quickly and there’s been no time for me to decide what to do yet. Another source of income was (performing) my music and that’s vanished now too.\"\nHe estimates he has about two months worth of savings.\n\"I’ve never seen instant industry devastation quite like this,\" La Quinta resident Damian Lautiero said. \"The closest thing I can compare it to is 9/11. It shut everything down, but it didn't come with the widespread limitations of how many people can be in a room.\"\nLautiero is the director of event technology at an upscale resort in La Quinta, a position the hotel contracts for with PSAV, an audio-visual and event technology support service that staffs events and venues across the country.\nHe estimated the resort lost about $700,000 in revenue when more than 20 events canceled within 72 hours of Gov. Gavin Newsom's initial public health advisory recommending all non-essential gatherings larger than 250 people be canceled.\nGatherings have since been restricted to 10 people or less.\n'We've always been a bit recession proof'\nInternational Alliance of Theatrical Stage Employees representative and trustee Carlos Cota said the union is still trying to gauge the economic repercussions of the coronavirus pandemic on the hospitality/entertainment industry.\n\"After 9/11 and the 2008 recession, people still wanted to be entertained. We’ve always been a bit recession proof, even when the economy is slow,\" he said.\n\"This is the first time something has hit our industry directly. Nationally, 90% of our work is gone within a matter of two weeks — and that’s about 150,000 members nationally. We’re at less than 10% employment right now.\"\nCota said the remaining 10% of unionized employees still working are in box offices, editing or in scene shops making stage backgrounds.\n\"That’s probably not going to last long,\" he added.\nFor independent contractors such as Van Norman, who are considered self-employed, there aren't any options to pursue, even with possible stimulus packages on the way and assistance for small business owners.\n\"There’s talk right now of having independent contractors and self-employed people get some kind of unemployment insurance,\" Van Norman said. \"As a (small business owner), I can’t do that, but that would be a big help. Right now, it’s too much uncertainty.\"\nNo help for independent contractors\nFormer Coachella Valley resident Cliff Horn, who now lives in North Hollywood, is a freelance camera assistant on a stop-motion production. He said he has worked in the industry since 2018.\nBecause he signed a non-disclosure agreement, Horn declined to say the title of the production he was working on. It shut down indefinitely March 16.\n\"I was fortunate enough to save money, but I'm basically living off my savings,\" he said. \"I know a lot of other people who are scrambling to find any gig that they can, or considering working something like Doordash or Uber.\"\nA salaried manager, Lautiero is able to work from home, but furloughs are likely coming in a few weeks. Nevertheless, Lautiero acknowledged that the independent contractors he uses for events are left in a much worse position.\n\"They might as well be Uber drivers, because it’s a gig economy,\" he said.\nBrandon Henderson of La Quinta, a project manager for a video company in Los Angeles that specializes in projection mapping, content projection and video walls, also collects a salary and describes himself as \"extremely lucky\" for the time being.\n“I feel sick to my stomach for the massive amount of production people that are immediately affected by all of this. I’d like to see this talk of federal aid for them become a reality,\" Henderson said.\nAssembly Bill 5, the controversial labor legislation meant to provide wage and benefit protections to gig industry workers, such as Uber and Lyft drivers and as many as a million other independently contracted workers across other fields, was signed into law in September by Gov. Newsom. It took effect Jan. 1.\nEntertainment unions such as The Screen Actors Guild - American Federation of Television and Radio Artists, Writers Guild of America, Hollywood Teamsters 399, and Studio Utility Employees Local 724, as well as IATSE supported AB 5.\nStill, some in the industry say that for these kinds of workers there are still issues.\n\"The flip side to AB 5 is even though they’re independent contractors and classified (as employees), we have to build a safety net for them,\" Cota said. \"If you aren’t covered by a union contract, you have no security at all. You can still be an independent or freelance, but we still need to have a mechanism to provide support. It doesn’t need to be this extreme, even if its seasonally slow or a recession, there has to be some kind of a safety net for freelance work.\"\nHe added that IATSE is working to include its members in the Family First Coronavirus Response Act signed by President Trump on Wednesday.\nThough, it extends paid sick leave to workers diagnosed with or in quarantine for COVID-19, the plan only applies to employers with more than 50 or fewer than 500 employees.\nHenderson said there needs to be safeguards for people who work behind the scenes in the entertainment industry.\n\"(It's) scary how entire industries are going belly up in such a short amount of time,\" he said. \"Hopefully some safeguards will be put into play that keeps everyone safe during future catastrophes. Not really sure what those are at the moment, but I have confidence we can all dream something up.\"\nThe future is uncertain\nIt's not just the question of when things will return to normal for those who work in live production for events or as film hands, but what will be left standing? How will the industry look when events and film productions resume?\nHenderson is concerned with many cancellations and not a lot of rescheduling during the fourth quarter of the year, adding in his specialty of the industry, \"If it costs money, it gets cancelled. If it makes money, it gets postponed.\"\n\"The majority of events I do are perks for these companies. There’s probably a lot of companies saying, ‘We’re going to save a million dollars and not throw our big annual event.' It’s not producing money like Coachella where they’re saying, ‘Oh, we need to make that happen this year.’ That’s the problem with my industry.”\nLautiero said his company has re-booked a couple of events for September, but is unlikely to have any additional openings at La Quinta Resort and Club once business resumes.\n\"Now that your have (Coachella and Stagecoach) pushed into October, one of the challenges is what we ran into with Desert Trip in 2016, we don't have available hotel rooms.\" Lautiero said. \"What they will try to do is move the smaller conferences and offer incentives to reschedule so they can free up some inventory. It is going to be a challenge if this clears up and Coachella and Stagecoach happen. There's going to be an inventory shortage on hotel rooms, which will drive up the price.\"\nBut Cota indicated how abrupt entertainment events were shut down and offered an example of where some of the industry currently stands.\n\"The Broadway shows that tour, they’re all (using) trucks. With a lot of the theatres that shut down, they basically shut the lights off and left the productions on stage. The day people can go back to work, it’ll be immediate and that stuff will (resume),\" Cota said.\nThere are also concerns of what the state of the world will look like and if people will want to be in big crowds in the near future, even on the backside of coronavirus, as well as the world economies.\n“Everything requires financial backing, and if we get thrown into an extreme recession, some of the money probably won’t be there to back some of these events,\" Cota said. \"The smaller events that don’t have a large price tag are easier to mount. Festivals should be fine and will be coming back. But it’s hard to say, nothing has ever hit our industry like this, so what the backside looks like is anybody’s guess.\"\nDesert Sun reporter Brian Blueskye covers arts and entertainment. He can be reached at firstname.lastname@example.org or (760) 778-4617. Support local news, subscribe to The Desert Sun.\nPrevious reporting by USA Today reporter Gabrielle Canon was used in this report.", "label": "Yes"}
{"text": "Blog: Constellation, Modelo retake vows\nChris Mercer | 29 October 2010\nConstellation Brands and Grupo Modelo have kissed and made up, so it looks like Crown Imports will be sticking around.\nConstellation and Modelo said today that they have settled their legal dispute over marketing funds for the Crown Imports beer venture in the US. The 50-50 venture imports Modelo's Corona lager among others.\nIt looked as if the venture might be coming to a premature end (it runs until 2016) when Modelo signalled that it would sue its partner at the end of 2009. But, today, everyone is back in bed.\nConstellation has repeatedly called the dispute \"financially immaterial\" and it looks as though the two firms will, afterall, continue to work together.\nThe most likely alternative for Modelo, assuming it could have afforded the Crown Imports cancellation fees, would have been a deal with Anheuser-Busch InBev. The Budweiser brewer holds a 50% non-controlling stake in Modelo.\nHowever, Modelo's controlling families don't have a lot of love for A-B InBev, as they proved in the UK recently by snubbing the group in favour of rival Molson Coors.\nThe Coca-Cola Co has had its fair share of critics this year, from health campaigners to investor David Winters, who this week called for CEO Muhtar Kent to be replaced....\nThe UK health lobby is always very vocal on alcohol at this time of year, predictably so, and this year is no different. ...\n“Ah, yes, you've hit upon a very sensitive area,” says Thomas, my guide at the Carlsberg Brewery in Copenhagen last Friday....\nExperimentation has long been a watchword in the Scotch whisky industry. It is what has given consumers the huge range of ageing options, from refill hogsheads to virgin oak to Sherry butts....\n- Cuba-US Normalisation: Bacardi, Pernod Winners?\n- Review of the Year 2014 - Part IV: Spirits\n- Sustainability in Wine - Part I\n- Comment - The Appeal and Perils of Craft\n- Time is Right for Refresco Gerber Exit\n- Belvédère to sell assets, streamline portfolio\n- Belvedere vodka tie-up over new James Bond film\n- Diageo ups focus on China with Mortlach roll-out\n- Diageo welcomes verdict on Crown Royal \"confusion\"\n- Bacardi, Pernod Ricard welcome US-Cuba deal\n- Global vodka insights - market forecasts, product innovation and consumer trends research\n- Global Scotch whisky insights - market forecasts, product innovation and consumer trends research\n- The IWSR Forecast Report - 2014-2019 Global Review\n- Global Tequila Market 2014-2018\n- just-drinks on-trend: Craft beer - fortunes and future", "label": "Yes"}
{"text": "Nigeria, as reported last week, is on a drive to reform its energy sector. When this happens, the country’s GDP is expected to overtake South Africa in 2014 according to the Nigerian National Petroleum Corporation. Nigeria currently earns US$235 billion as her GDP and it expected to increase between 2013 and 2014 when the country’s energy sector is fully deregulated.The Executive Director (Corporate Planning and Strategy) of NNPC, Dr Timothy Okon said the energy sector is the biggest in Africa and all industry stakeholders should play a pivotal role to ensure that the sector is fully reformed. This will allow more jobs to be created. Oken continued by saying that the country’s economy is around 5% the size of the US and to increase the country’s output, reform was vital. Here the energy sector was vital because the country has abundant economic resources which can translate into economic development, if reformed and maintained. This will also allow for better participation which will increase the return.\nInfrastructure, such as pipelines for the transport of crude oil, is in place but needs good maintenance and some upgrades. Reform would address this issue. More refineries however, would not bring down the cost of petroleum significantly but, it will encourage more investment.Nigeria is looking at hydro power and natural gas as energy alternatives to oil. Source: allAfrica.com", "label": "Yes"}
{"text": "Investing in gold or investing in real estate or Property. That is the question many individuals are asking themselves. Many organizations seem as if they are attempting to invest in gold as if it is going out of style. So the question remains, which is better for investing gold or real estate.\nIndividuals can also do what is known as lease options which allows them to get in with no amount of money down. Investing in a rental property will provide a steady cash flow. This is much different from gold because gold is considered dead weight. An investment in real estate will provide a constant flow of cash coming in whereas gold is considered dead weight because it does not bring in a steady income.\nThe price of gold was Rs. 26200 in March 2015 but the price today is Rs. 26300 there is hardly a .5% growth in the price. Whereas, the house in a decent location in Delhi was with a rent of Rs.15,000 last year; as per the agreement the rent has been increased by 8%, today It is Rs.16200.So, the variation of 8% is a God figure in comparison with Gold Price.\nThe growing Population and migration of people from one part of India to other are the main reasons for increase in the demand for Property or house renting.\nCities like Bangalore, Pune, Chennai and Kolkata have seen a rapid growth in the rental market; thanks to the Government initiatives in IT Industry creating Special Economic zones for more job opportunities. High demand has been observed in the mid-segment residential properties. Demand from the IT/ITeS sector employees kept upward pressure on rental.\nThe Demand is set to go up as the builders are delaying the delivery of projects across top 7 cities like Mumbai, Delhi, Bangalore, Pune, Gurgaon, Noida and NCR where the demand is very high\nAlong with Property Renting, agents and Property brokers are also offering furniture like Refrigerator, AC’s, Furniture, Kitchenware, home decors and other demanded items are also offering on Rent. This will be a New Milestone in the rental business.\nMore information on Rental Products visit http://www.rentsewa.com and explore the possible rental options across India", "label": "Yes"}
{"text": "Goldplat plc / Ticker: GDP / Index: AIM / Sector: Mining & Exploration\n1 April 2021\nGoldplat plc ('Goldplat' or 'the Company')\nSale of the Kilimapesa Gold Mine - Transaction Update\nGoldplat plc, the AIM quoted gold producer, with international gold recovery operations located in South Africa and Ghana, is pleased to provide an update relating to the sale of the Kilimapesa Gold Mine in Kenya (the 'Transaction').\nThe Company is pleased with the substantial progress that has been achieved over the past month in satisfying a number of key conditions of the Transaction. These include: receipt of government consent and approval of the Transaction; the execution by all parties of a formal Share Purchase Agreement (\"SPA\"); and the submission by Papillon Holdings Plc (\"Papillon\") of the prospectus to the Financial Conduct Authority (\"FCA\"), under which Mayflower Capital Investments Pty Limited ('Mayflower') will complete its reverse takeover of Papillon and complete the Transaction with the Group.\nGiven this progress and further to its announcement of 23 February 2021, the Company can confirm that the completion date of the Transaction has been changed from 31 March 2021 to 30 April 2021, subject to the following being completed by 20 April 2021:\nThe Financial Conduct Authority's (\"FCA\") review of Papillon's prospectus being finalised and the prospectus being lodged;\nPapillon having released its Notice of Meeting for its shareholders to approve the transaction with Mayflower; and\nThe receipt of funding commitments as required by the SPA and the binding term sheet first announced on 31 July 2020 of a minimum of US$ 4 million;\nMayflower, Papillon and its advisors continue to engage with the FCA with respect to obtaining the final approval for the Prospectus.\nWerner Klingenberg, CEO of Goldplat commented: \"Mayflower and Papillon continue to progress towards Papillon achieving its planned re-admission to the Official List and Goldplat continues to be very supportive and looks forward to completion of the Transaction by the end of April 2021.\"", "label": "Yes"}
{"text": "Serbia: NIS’ investments for 2021, News Serbia Energy\nIn 2021, Serbian oil company NIS will invest more than 155 million euros in development projects, CEO of NIS Kirill Tyurdenev announced.\nTyurdenev said that the company will invest in all the main areas of its business – exploration and production, processing and modernization of its retail network. It will focus on the most profitable projects in Serbia and the region. As one of the key projects to be realized this year, he highlighted the commissioning of the combined heat and power (CHP) plant in Pancevo, which NIS is building in partnership with Gazprom Energoholding. NIS CEO said that the year 2020 had been extremely challenging due to the sudden drop of the price of oil and the circumstances related to the COVID-19 pandemic, pertaining, among other things, to the considerably reduced demand for oil and oil products.\nIn the first nine months of 2020, NIS invested around 177 million euros, mainly in oil and gas exploration and production activities at its Deep Processing Unit at the Pancevo refinery, as well as in upgrading its retail network in Serbia and the region. In the January-September 2020 period, oil and gas industry was affected by adverse global trends, reduced demand for petroleum products, before all, due to the COVID-19 pandemics, as well as to sharp decline in oil prices. In the third quarter, NIS’ EBITDA indicator amounts to 68 million euros, while the same indicator for 9 months of 2020, amounts to the total of 88.5 million euros. NIS also preserved its positive cash flow, which was, in the period January-September 167 million euros. Net profit realized in the third quarter was 16.2 million euros, but unfavorable macroeconomic situation in the first half of the year influenced the NIS Group to record the loss of 70.6 million euros in first nine months of the current year.\n- February 7, 2023 Serbia, MK Group and the Alfi Green Energy Fund are investing 155 million euros in the construction of Krivaca wind farm\n- February 7, 2023 Serbia, Environmental permit for the last section of Trans-Balkan Corridor requested\n- February 7, 2023 Serbia, A total of 311,913.9 MWh of electricity was traded on the day-ahead market on the SEEPEX in January", "label": "Yes"}
{"text": "Job creation and economic growth in Winston-Salem and Forsyth County are only possible if we have a well-educated, well-trained workforce available to fill those new jobs. The Chamber’s Workforce Development initiatives are designed to ensure that we will be able to meet the demand for qualified workers by promoting student achievement, creating career awareness, and helping prepare students to meet the demands of our knowledge-based, globally competitive economy. These initiatives include:\n- Real World Connections is a program that brings business people together with students in small groups or one-on-one to give the students a sense of what is involved in different career paths.\n- Career Specific Partnerships show students what they can expect from careers in four key professional areas – Finance, Hospitality & Tourism, Construction, and STEM (science, technology, engineering, and mathematics) – to help them get a head start on their career decision.\n- Classroom Speakers Program includes local business and community volunteers who are willing to share their expertise with students in the classroom. Speakers bring relevance to a particular topic, helping students understand the connection between the curriculum and the real world of work. Speakers also provide teachers with additional curriculum-related resource expertise. Click below to get involved.\nClassroom Speakers Program\nConstruction Industry Council\nThe Construction Industry Council is made up of area construction professionals and educators who work together to bring more students into the construction fields, producing the next generation of architects, craftspeople and skilled and semi-skilled tradespeople. There are not enough people going into the skilled trades to fill positions left vacant when employees leave. These jobs offer lucrative career opportunities for young people emerging into the current workforce. Addressing the heavy demand for skilled workers is a Chamber priority. Council meetings focus on topics relevant to construction industry professionals and on strategies to promote the industry to the emerging workforce.\nFor more information, please contact Rodessa Mitchell at (336) 728-9222.\nConstruction Career Days\nTo address the skilled workforce shortage, the Chamber’s Construction Industry Council, in partnership with the North Carolina Department of Transportation, hosts a two-day Construction Career Days event.\nWith about 1,200 students from Forsyth and surrounding counties in attendance, this event exposes high school students to the vast array of exciting opportunities and career paths available in the industry. Students learn about the latest equipment, tools, and industry innovations through interactive, hands-on activities, the operation of heavy equipment, and one-on-one conversations with skilled-trade professionals and educators.", "label": "Yes"}
{"text": "Another unwelcome side effect of not knowing your average monthly kWh usage level is that you may end up paying more than you expect. This can occur when a customer inadvertently shops an electric rate based on a higher usage level than they actually use. Electricity suppliers commonly advertise their electric rates associated with the highest (2000 kWh) usage levels since those tend to be the lowest rates.\nDallas area residents now have the option for choosing their electric provider. However, with all of the different plans that are available, it can be difficult to make the right decision for your particular electricity needs. You may find yourself overwhelmed by the number of options presented to you by all the electric company advertisements or concerned about shady marketing gimmicks.", "label": "Yes"}
{"text": "Not quite business as usual: How the COVID-19 pandemic has changed Fayetteville business\nSome Fayetteville businesses opened in the midst of the COVID-19 pandemic, others closed — and still others navigated executive orders to change operations in the past year.\nAshley Thompson, owner of Pressed — a Creative Space in downtown Fayetteville, was one of those who navigated the changes.\nIn early 2020, Thompson didn’t think stores would close, until Gov. Roy Cooper issued a stay-at-home order in March last year.\n“It definitely was a scramble,” Thompson said.\nThe downtown storefront that sold unique gifts, home goods, office items, clothing and self-care items closed. All of her employees took unemployment.\nSo Thompson and her husband transformed the upstairs of their home into an online business. They used Instagram Live to showcase crystals, a popular item at their Fayetteville store.\n“It kind of let people get that personal experience, and we could show items on live video,” Thompson said. “So we went to that model really quickly.”\nUnder the name New Moon Minerals, the Thompsons catered to online shoppers — selling 90% crystals, along with candles, books, jewelry, clothing and other accessory items.\nThompson’s brick-and-mortar shop remained closed from March through the beginning of June, but closed again from July through September after a manager moved.\nWith executive orders lifting to allow businesses to operate at reduced capacities, Thompson brought back a former store employee as the new store manager for Pressed — a Creative Space. But she isn’t abandoning the online business, which she credits with keeping her afloat during the past year.\nAs the manager is now able to focus on local customers, Thompson said she and her husband are able to focus on online shipments.\nThe online business grew to the point they are moving into a warehouse and ship products across the U.S. now.\nThompson isn’t the only local business owner who had adjusted operations.\nAs movie theaters were closed for months, one local cinema owner was inspired by a concept seen decades ago and that still exists in a limited number of North Carolina towns — drive-in theaters.\nBy July, Omni Cinemas 8 owner Dean Melvin was determined not to close his 30-year business.\nAn outdoor screen was set up and patrons could listen to the movie through their radios.\nMelvin said the Omni Family Amusement Center, next door to the theater on Sycamore Dairy Road, has received the most foot traffic during the pandemic.\nMelvin quoted Winston Churchill when describing how business is currently: \"Now this is not the end. It is not even the beginning of the end. But it is, perhaps, the end of the beginning.\"\n\"I think where we're at with COVID, we're definitely hoping to see a light at the end of the tunnel over the next couple of months,\" he said.\nChanges weren't limited to the movie theaters.\nGrocery stores have allowed customers to order online or use phone applications to have groceries brought to vehicles for curbside service.\nFayetteville was even picked as a Walmart pilot program site to deliver groceries via drones.\nLocal restaurants also shifted to curbside pickup, and local businesses embraced outdoor dining as executive orders lifted to allow restaurants to operate at partial capacity.\n“People are eager to get out,” Bianca Shoneman, president and CEO of the Cool Spring Downtown District, said in August. “I think Fayettevillians are eager to eat al fresco during the warmer months.”\nNathan Cuffee, one of the owners of the Blue Moon Cafe on Hay Street, agreed that his cafe’s outside space, which seats between 16 to 20 people, seemed to be an option for patrons with concerns about being in enclosed spaces.\n“I would say a lot of our clientele love the ability to sit outside,” Cuffee said. “A lot of time we’ll have a waiting list, even on some of the hot days.\nFood truck owners also reported an uptick in business.\nRob and Mary Russell started operating their R Burger truck back in 2013, serving burgers made from specially blended ground beef purchased locally.\nDuring the COVID-19 crisis, Bob Russell said, R Burger has donated meals to the Fayetteville Police Department and Cumberland County Sheriff’s Office.\nRussell also reported business growth, as the food truck started parking in neighborhoods and other areas to present an alternative to going to an indoor restaurant.\nYet, despite some businesses finding ways to survive, others still closed their doors.\nNational chain, Pier 1 Imports, filed Chapter 11 bankruptcy in February 2020, but “the impact of COVID-19” hindered its ability to secure a buyer that would allow the company to “wind down,” CEO and chief financial officer Robert Riesbeck said in May. Their Fayetteville store at Cross Creek Mall was among the hundreds of Pier 1s to close its doors.\nFayetteville’s Stein Mart on Raeford Road was among 281 stores the company announced it was closing in August, after the Jacksonville, Florida-based company declared Chapter 11 bankruptcy.\n\"The combined effects of a challenging retail environment coupled with the impact of the coronavirus pandemic have caused significant financial distress on our business,\" Stein Mart CEO Hunt Hawkins said in a news release.\nIn July, RTW Retailwinds, Inc, the parent company of women’s clothing retailer New York & Company, announced it was filing for Chapter 11 bankruptcy. The decision led to the closing of New York & Company as Cross Creek Mall.\n“The combined effects of a challenging retail environment coupled with the impact of the Coronavirus (COVID-19) pandemic have caused significant financial distress on our business, and we expect it to continue to do so in the future,” Sheamus Toal, chief executive officer and chief financial officer of RTW Retailwinds, Inc., said in a news release.\nLoans, grants and help from PPP\nAs national retailers declared bankruptcy, others found financial assistance from local and national governments.\nThe Logistics Company, a local Fayetteville area service-disabled veteran-owned small business, was among the first to apply for the Paycheck Protection Program.\nThe program falls under the $2 trillion emergency funding Coronavirus Aid, Relief, and Economic Security (CARES) Act that was signed into law March 27, 2020.\nThe program has helped employers with payroll, rent, leases, mortgage interest and utilities.\nWalsh and representatives of the company provided feedback to Sen. Thom Tillis on Tuesday during a roundtable discussion about the Paycheck Protection Program.\nTheresa Fletcher, chief contracting marketing officer for the Logistics Company, said the program helped the company and its subcontractor bring back about 200 employees.\nIn May, Cumberland County Community Development established a Small Business Resiliency Grant program.\nThe grant was established to assist qualified local businesses that suffered economic hardship as a result of the COVID-19 pandemic, officials said in a news release.\nSupported by Community Development Block Grant funding from the U.S. Department of Housing and Urban Development through the CARES Act, it provided grants up to $10,000 to small for-profit businesses with 10 full-time employees or less.\nOfficials said 22 local businesses applied for the first cycle of the grant.\nDarren Donovan is one of the local business owners who applied for one of the county’s $10,000 grants.\nDonovan opened his business, Marley’s Cafe & Lounge, at the beginning of 2020.\n“Those two months, before everything closed, projections were great, and things were looking amazing,” Donovan said. “We had a good response in the community for trying to do something different.”\nDonovan said the business held its grand opening at 6628 Yadkin Road two days before executive orders were issued to close certain non-essential businesses.\nHe said he was still in the midst of trying to pay off the credit cards he used to startup the cafe.\nThat little bit of debt hurt when he tried to apply for national grants and loans, he said.\nThe business took more than a 95% revenue loss, with an attempt to use a third-party vendor for food delivery services.\n“As a new business and restaurant, we didn’t have the clientele base to get a lot of delivery orders,” he said.\nDonavan, who served in the Air Force for 14 years, said his retirement check was what kept the doors open until about Halloween when state rules relaxed.\nHe said he received the $10,000 grant through the county, but that didn’t help cover the mounting bills for lights and rent.\n“I just had my taxes done and was told it was just bad timing,” Donovan said. “I didn’t even get anything back on taxes, so I’m catching up.”\nDonovan said the driving force for him to keep the business open was putting his savings into what was his “next plan” after the military.\nIn November, Fayetteville officials said the city had distributed $370,000 to 44 small businesses and helped retain 162 jobs between May and November through CARES Act funding.\nWhile some businesses closed and others sought help, some new businesses also joined Fayetteville’s landscape.\nDowntown Deli on Hay Street opened its door in mid-June.\n\"It is risky,” owner Yousof “Joe” Alrobye said. “Why I did that is because I love to do businesses. I am in the food business. As soon as I got the chance, I went for it.”\nAngel and Tinisi Young opened A&T Soulful Kitchen at 2653 Hope Mills Road on Juneteenth — which celebrates when all enslaved people learned they were freed, two years after the Emancipation Proclamation was signed.\nAngel Young said she was already comfortable with catering and her clientele, and was confident with their food.\nShe said opening during the pandemic allowed time to sit back and save.\nIn the Haymount area, House of Taps opened in September.\nThe self-serve taproom in the former Hilltop Restaurant allows customers to pour their own beer, wine, cider or sour.\n\"I think to put a taproom in a (112-year-old two-story) home is unique,” co-owner Eydie Hammaker said. “When people come in, it's like coming into my own home. I want them to experience it like they're coming into my home.\"\nAlso in September, the first Sheetz convenience store and gas station in Fayetteville opened at 5323 Ramsey St. with a staff of 30.\nWhat’s on the horizon\nWhile health officials are still urging patrons to wear masks, maintain social distancing and use precautions. Gov. Roy Cooper announced Tuesday that pandemic restrictions would ease starting Friday.\nAmong the changes, Cooper said, retail businesses, salons, personal care shops, tattoo parlors and museums could operate at 100% capacity indoor and outdoors with mask-wearing and 6-feet distance.\nRestaurants, breweries, wineries, gyms, pools and other recreation establishments will be allowed to operate at 75% indoor capacity and 100% outdoor capacity.\nBars, conference centers, sports venues and venues for live performances are allowed to operate at 50% indoor and outdoor capacity.\nThe 11 p.m. curfew for on-site alcohol consumption was also lifted.\nDonovan, the owner of Marley’s Cafe & Lounge, said the business originally opened as a restaurant and lounge with shifts from early mornings through late at night.\nHe said with indoor dining being reduced during the pandemic, there became more of a focus on the entertainment part.\nNow that curfews are lifted, he said, he plans to stay open between 6 p.m. and 2 a.m. to build the business back up.\n“Trying to keep the restaurant going was a big hurdle we had to go through,” Donovan said. “Right now, with restrictions easing, we’re trying to get back to a little bit of a normal routine, after the reduced hours and operating with a minimum staff.”\nFor business owners like Thompson, the downtown shop owner who’s expanded to an online business, it won’t be that things are getting back to business as usual.\n“The pandemic forced us to go online and get creative, and that’s where we grew our business a lot,” she said.\nShe said she plans to remain focused on storefront operations, as executive orders lift, but the online model is an equal focus.\n“It’s a balance,” Thompson said. “We realized quickly that the online shopping model and store-front are two different businesses, so it was almost like starting a new business … (The pandemic) really forced us to be creative and innovative, even if we weren’t ready for it.\n“It sparked that innovation that led us to the next thing.”\nStaff writer Rachael Riley can be reached at firstname.lastname@example.org or 910-486-3528.", "label": "Yes"}
{"text": "State aid to public schools should increase and be tied to inflation, the Prior Lake-Savage Area Schools Board told local legislators Monday night.\nThe district also asked Reps. Tony Albright (R-Prior Lake) and Hunter Cantrell (DFL-Savage) and Sen. Eric Pratt (R-Prior Lake) to increase the money for special education and basic skills.\nIn May, Gov. Tim Walz signed an omnibus education bill that included a 2% increase in the basic per-student formula in 2020 and 2021. The increase roughly matches inflation, and Pratt called the increase a personal priority.\nDistrict Executive Director of Business Services Julie Cink said the increase was helpful but only applied to about 60% of the district’s revenue, making the true increase closer to 1%.\n“We appreciate the money, don’t get me wrong,” Cink said. “We appreciate that you look out for us, we do. It’s just we continue to go backwards a little bit.”\nBoard members also requested more options for additional security changes to schools. They said they’d like to see an expansion of acceptable uses for a district’s Long-Term Facilities Revenue to include “safety enhancements through security modifications, remodeling and additions to existing buildings,” according to the district’s legislative platform.\nAssistant Superintendent Jeff Holmberg said the growing popularity of Prior Lake High School’s Fabrication Lab has the district considering a dedicated trade pathway through the district’s MNCAPS program. Holmberg said talks with local businesses left the district optimistic.\n“They needed this yesterday,” he said. But federal rules around having students under 18 on job sites and increased liability insurance for any potential partners are posing a barrier.\nPratt said he’s talking with the state’s labor commissioner about letting 16- and 17-year-olds on job sites and would hold a hearing on the possibility of increasing student involvement in a safe way.", "label": "Yes"}
{"text": "Bombardier Reaches Deal with Unifor\nCBJ — Bombardier says it has reached new three-year collective agreements with Unifor, which represents about 2,100 production and office workers at its Toronto location.\nThe contracts cover workers represented by Unifor Local 112 at the Downsview plant and Local 673 who work in technical office and clerical positions.\nBombardier assembles its Q400 turboprop aircraft and several models of business jets at its Toronto operations.\nThe three-year contracts include wage increases in each year of 0.5% in the first year, 0.75% in the second year and 1% in the final year of the contract.\nThe ratified agreements, which expire on June 23, 2021, also include improvements to dental benefits, pension increases, and a retirement incentive program.", "label": "Yes"}
{"text": "Date: Thursday, June 7, 2018\nTime: 11 AM PT / 2 PM ET\nManufacturing and distribution companies using Acumatica are facing increased competition and delivery challenges. Join our webinar to learn how dashboards, analytics and integrated payments can turbocharge your revenues and profitability.\nWe will demonstrate the following:\n- 3 critical types of sales metrics\n- Dashboards to increase sales and profitability\n- From reactive to proactive: The critical role of analytics to adapt your business to fast changing conditions\n- PCI-DSS compliance assistance at no additional cost\n- Some of the lowest American Express fees in the entire industry!\n- Next Day Funding Available (American Express included)\n- Access to the Level III Gateway for lower Business to Business interchange rates", "label": "Yes"}
{"text": "Get a Car Loan Online, Then Get a New or Used Car in Festus, MO\nYou shop around for the best deal on a car. Have you thought about shopping around for the best car loan for you? Since 2003, myAutoloan has been working to make securing car financing in Festus more accessible. We think drivers should own every step when car shopping, from searching for loans and insurance to refinancing their current loan. That's one reason why you'll see a variety of helpful tools throughout myAutoloan.com, such as an Interest Rate Estimator, Loan Calculator, and Payment Calculator to check how much a payment could be on any prospective Festus vehicle loan. You set yourself up for success when you finalize your vehicle loan before sitting down at the dealership. You'll know exactly how much money you're eligible and the interest rate (high or low), and you won't feel stuck to say 'yes' to dealership financing with unfriendly terms. And when you apply for a new, used, or refinance car loan on the myAutoloan website, you can feel secure about being in control. We'll present you with as many as four loan offers in just minutes! Sounds great, but what kind of Festus auto financing can you source through myAutoloan?\nCompare Up to Four New Car Loans in Festus, MO\nDo you qualify for the lowest interest rates on new car loans in Festus? Apply through the myAutoloan website to find out! You won't have to wait long. We know you can't wait to get in the driver's seat of that sparkling new car! We'll show you up to four offers in minutes. No need to stress about researching lenders, calling your bank or driving to all the Festus car dealerships to see what they'll give you. (Put the brakes on visiting dealerships until financing is complete.) Through myAutoloan, you can review all of the new car loan offers you're eligible for, all in one place. Once you pick the best new car loan for you, you can have your money in as little as 24 hours. Then you're ready to head to any Festus car dealership you want to purchase the new sports car, sedan, SUV, van, or truck you've had your eye on!\nCompare Used Car Loans in Festus, MO\nWant to finance a shiny, \"new-to-you\" ride with some miles on it? Yes, you're still in the right place. Check today's lowest rates for used car loans in Festus and apply now to see if you're eligible. Purchasing a preowned vehicle in Missouri can be a smart financial move as used vehicles are generally less expensive, don't cost as much as a new car to insure, and their early years of high depreciation are in the rearview mirror.\nmyAutoloan offers fast used car financing whether you choose to visit one of the Festus car dealerships listed here or purchase from a private party. Plus, you might even be eligible for a less lengthy loan term and make less loan payments. Living debt-free faster? Yes, please! Choose \"Used Auto\" on our website and complete the free, no-obligation application. Remember that you might be able to get more favorable loan terms if you purchase a certified pre-owned or certified used car since these cars are typically evaluated by a mechanic before sale and thus more favorable to finance than a car from a private party. Reach out to the Festus dealership of your choosing for details about their used car inspection and certification process.\nRefinance Your Car Loan in Festus, MO\nYou can't imagine trading in your car but you'd love to trade in your car loan. We understand! Review today's lowest auto loan refinance rates in Festus and apply to see if you qualify. There's a high likelihood that you could tweak your current loan term, interest rate, or payments and save money by lowering your monthly payments or interest rate. Our refinance application takes just a few minutes and might save you a ton of money. We mean it! Just read reviews from real myAutoloan customers for an idea of how much other drivers have saved with auto loan refinancing.\nWhen should you refinance an auto loan? If your credit score has gotten better, your income has changed, Missouri interest rates have gone down, or you don't like your current car loan, it's a good time to apply for a refinance loan. You'll receive as many as four loans for refinancing to select from, and then it's up to you to go with the refinance car loan that best suits you.\nmyAutoloan Is Your Source for Bad Credit Car Loans in Festus, MO\nmyAutoloan is here for all drivers who need auto financing in Festus, and we really mean ALL drivers. (Approval is not guaranteed.) While many car finance companies in Missouri (and especially big dealerships) cater to one type of driver, we're here to help every driver. Even those with no credit or bad credit. Auto loan companies may consider you to have \"poor credit\" if you have a low credit score in the 300-580 range, lots of current debt, or a history of tardy bill payments. Turn to myAutoloan for help buying a car with bad credit in Festus. The application process is the same as our other loan offerings. It's still super fast, super confidential, and 100% obligation-free. With help from myAutoloan, you can get financing to buy a car with bad credit in Festus, and buy it from the Festus dealership of your choice. Apply and experience how easy it can be to buy a car with bad credit.", "label": "Yes"}
{"text": "The FTSE was once again the best performer on a mixed day for European markets.\nondon, which had a disastrous performance last week as the rest of Europe made gains, continued its steady rally as it flipped after opening in the red.\nThe strengthening in commodity stocks helped support the index as price increases continued.\nThe first flight from London closed 19.63 points, or 0.27%, up to 7,286.32 on Wednesday.\nChris Beauchamp, Chief Market Analyst at EG Group, said: “Energy, mining and banking stocks are advancing, pulling the FTSE 100 out of its morning session slump and seeing the UK market once again outperforming its peers on the continent, where Covid fears continue to weigh on risk appetite.\nGerman actions have been particularly weighed down by reports that the country is considering a return to lockdown measures as cases increase and neighboring countries reinstate their own restrictions.\nMr Beauchamp added: “Headlines on a foreclosure in Germany sent the euro to its lowest level in nearly a year and a half against the dollar, helping to provide a small measure of support for European stocks.\n“So far, however, the usual rally in stocks in late November has yet to fully materialize.”\nThe German Dax fell 0.26% and the French Cac rose 0.05%.\nUS markets lost momentum after a rally at the end of Tuesday’s session, with major markets opening lower although a strong performance in tech stocks brought some relief to traders.\nMeanwhile, the pound has struggled to keep pace with a resilient dollar, which had benefited from a modest improvement in GDP figures in the last quarter.\nThe pound fell 0.01% against the US dollar to 1.333 and rose 0.02% against the euro to 1.190.\nOn the corporate side, Intertek has helped FTSE advance after its stock was boosted by a 5.6% increase in group revenue to date.\nThe FTSE 100’s insurance and product inspection business said it is on track to deliver ‘robust’ like-for-like revenue growth, rising margins and strong free cash flow in 2021 .\nShares climbed from 310p to 5,470p.\nHandbag maker Mulberry saw its shares jump after its stores reopened following pandemic restrictions that allowed it to increase sales.\nBosses said sales jumped 34% in the six months to September 25 to £ 65.7million, from £ 48.9million a year ago when stores were closed for de long periods of time due to various blockages.\nHe saw stocks rise from 68p to 370p as the company also went black for the half-year.\nJohnson Matthey fell from 47p to 2,135p after announcing the sale of its Advanced Glass Technologies business for £ 178million to Fenzi Holdings and recorded a half-year loss.\nThe price of oil rose slightly after markets absorbed Tuesday’s announcement that oil will be released from the strategic oil reserve.\nBrent crude rose 0.09% to $ 82.37 a barrel as London markets closed.\nThe biggest risers of the FTSE 100 were Intertek, up 310p to 5,470p, St James’s Place, up 31.5p to 1,550.5p, Segro, up 25.5p to 1,384.5p, Taylor Wimpey , up 2.85p to 160.65p, and Persimmon, up 49p to 2822p.\nAveva, down 130p to 3,229p, United Utilities, down 60p to 1,825.5p, Fresnillo, down 26p to 901.4p, Johnson Matthey, down 47p to 2,135p, and Flutter Entertainment, in drop from 225p to 10,815 p.", "label": "Yes"}
{"text": "18 August 2020\nRelationships have been strengthened, new products have been purchased and inspiration has been shared at Formland Autumn 2020, which brought the interior and design industry together for four days, offering the opportunity to meet in safe surroundings.\nFormland Autumn 2020 was the 73rd time the interior and design fair has been held. Photo: MCH/Tony Brøchner.\nThe value of the personal meeting was clearly apparent during the Danish trade show Formland Autumn 2020, which ended on Sunday after four inspiring days brimming with networking, news, knowledge-sharing and the biggest current trends. Both exhibitors and visitors agree that the greatest highlight for them was the opportunity to once again meet customers and colleagues in a safe and secure setting.\nOne of them is exhibitor Camilla Dybdal Christensen, CEO of design company AU Maison, who recently participated at Formland to meet existing and new customers.\n\"It's been so great to finally meet our customers at eye level again. The quality of the visitors has been really high, and there was a steady flow of customers already from Thursday. So our preconception that this time the show would be a little quieter than normal because of Corona completely flew out of the window! We've had a fantastic fair where we have presented our four brands and received some really attractive orders, as well as enjoying a positive dialogue with our customers,\" says Camilla Dybdal Christensen, adding:\n\"But Formland is so much more than just sales. The sense of community that the fair brings simply makes you become a better organisation. The fair helps strengthen the company DNA and create a special unity in our own team and in the industry as a whole,\" she says.\nA boost for the entire industry\nJan Tasholm Jørgensen, Market Manager at Eva Solo, confirms he has the same experience.\n\"It gives a boost to the entire industry when Formland gathers all the different brands under one roof, and for us to stand together as a collective industry and show what we as suppliers have to offer,\" he says and continues:\n\"Formland gives us a unique opportunity to showcase our products in different environments, so that they excite, motivate and inspire the shops. It isn't the same as an iPad or a sales display case - physical meetings build relationships and help create the foundation for deeper dialogues. This is what Formland really excels at, he emphasises.\nPaustian: Formland is always worth a visit\nThe opportunity for dialogue is also highlighted by Paustian Aarhus CEO Susanne Kristensen, who perceived the fair as being a safe meeting place.\n\"We save a great deal of time by visiting Formland, where the entire industry is gathered and where we get to meet all our suppliers in just a few days and can also look for new ones. I enjoyed talking to the suppliers and, as always, I have taken away a lot of inspiration. Formland is worth a visit every time, and there's no way we could do without the fair. Never, she reinforces.\nPositive statements bring joy\nThe management at the organiser MCH A/S are pleased with the buyers' and exhibitors' statements.\n\"Safety was a crucial factor at this Formland trade show, and we are delighted that our TrygtMCH concept has been so well received. At the same time, we are pleased with the amount of buying interest at the fair, which shows that fairs can help strengthen trade and the Danish business community,\" says Georg Sørensen, CEO of MCH A/S.\nFormland Autumn had 284 exhibitors and was visited by 5,729 professionals, and the figures should be considered in the light of the Corona situation in Denmark and the rest of Europe. The organiser is pleased that the proportion of shop owners among the visitors has risen from 16 to 24 per cent, which can be a contributory factor to the buying interest at the fair.\nMCH's next interior and design show, Formland Spring, will take place on 4-7 February 2021.\nProfessional shopping centre\nThe 73rd Formland show was the first trade show to be held since the lockdown in March.\nTrade shows are subject to the same regulations as department stores and shopping centres, which stipulate a minimum amount of floor space per person.\nTo supplement these measures, MCH has also developed the TrygtMCH concept, which uses basic principles of numbers, distance and hygiene to provide the industry with a responsible and attractive meeting place. Read more here\nPersonal and safe meetings in the limelight at Formland", "label": "Yes"}
{"text": "Helping Women Make Smart Investment Decisions\nEight Proven Ways You Can Lower Your Credit Card Debt\nHere are eight proven ways to lower your credit card debt:\n1. Pay more than the minimum payment\nBy paying more than the minimum payment each month, you can reduce your debt faster and save on interest charges.\n2. Consolidate your debt\nIf you have multiple credit card debts, consider consolidating them into a single loan with a lower interest rate. This can make it easier to manage your debt and pay it off faster.\n3. Use the debt avalanche method\nWith the debt avalanche method, you focus on paying off your credit card with the highest interest rate first, while making minimum payments on your other cards. This approach will save you the most money on interest in the long run.\n4. Use the debt snowball method\nWith the debt snowball method, you focus on paying off your credit card with the lowest balance first, while making minimum payments on your other cards. This can helps you increase your motivation and momentum as you take as many cards as quickly as possible to a zero balance.\n5. Consider a Balance Transfer\nThis can save you money on interest charges and help you pay off your debt faster. If you have a credit card with a high interest rate, transfer the balance to a credit card with a lower interest rate. This combines the advantages of the debt avalanche method of paying less interest as well as the debt snowball method taking as many cards to zero as quickly as possible.\nCAVEAT: Be sure to read the fine print and understand any fees that may be associated with the balance transfer.\n6. Negotiate a lower interest rate\nIf you have a good payment history and credit score, you may be able to negotiate a lower interest rate with your credit card company. This can make it easier to pay off your debt and save you money on interest charges.\n7. Use a debt management plan\nIf you’re having trouble making your monthly payments, you may want to consider a debt management plan. This is a repayment plan where you make one monthly payment to a credit counseling agency, which in turn pays your creditors. A debt management plan can help you get your debts under control and may be able to secure a lower interest rate on your debts.\n8. Cut expenses and increase income\nYou can accelerate your debt repayment by cutting expenses and increasing your income. This could involve things like creating a budget, finding ways to save money, or looking for ways to earn more money through a side hustle or a part-time job.", "label": "Yes"}
{"text": "County to hold public hearing on Hold Harmless tax for judicial complex\nALAMOGORDO — Otero County Commissioners will conduct a public hearing today at 6 p.m. to discuss issuing Hold Harmless gross receipt tax (HHGRT) revenue bonds for the new judicial complex and the expansion of the Otero County Detention Center.\nCounty Commissioners will decide to adopt Ordinance No. 17-02 which authorizes the issuance and sale of Otero County HHGRT revenue bonds, in one or more series, not exceeding $41.5 million for the purposes of constructing, purchasing, furnishing, equipping, rehabilitating, making improvements to one or more public buildings including the expansion of the county detention center and the county courthouse project.\nCounty Commissioners authorized the 1/8 and 1/4 HHGRT in September 2015, both for the purpose of expanding the detention center and for constructing a new courthouse.\nAccording to county notes, a feasibility study was commissioned to determine the parameters of each project. The feasibility study for the detention center has been completed, determining the parameters for the project within budget, and ready to be implemented.\nThe feasibility study for the courthouse is still in the process of receiving input from court personnel, regarding their requirements and input from the public and court personnel regarding the location. Input from the County Finance team, regarding the budget constraints is also still needed.\nAccording to the Internal Revenue Service (IRS), rules require that a binding commitment to begin expending money on a project must be entered into within six months after the issuance of bonds.\nEarlier in January members of the community unofficially voted to demolish the current courthouse and rebuild it into a functioning facility that could cost up to $34.4 million.\nCourt officials and residents said they would like to remain in the downtown area because it is the heart of the city and they would not like to move elsewhere causing people to move further out of Alamogordo.\nThe reconstruction/relocation of the Otero County Court House is the most expensive project the county has ever worked on in their history and has the community and even officials debating the location on social media.\nIn a November 2015 Otero County Commission meeting former County Commissioner Ronny Rardin was adamant that the best site for the courthouse would be off of First Street, which is a piece of land that was donated to the county for free.\nDuring the November 2015 meeting, Rardin said after meeting with architects, the current location would not be able to meet the 3–to–1 parking ratio by the City without buying additional land. It would also cost more than $3.5 million to develop this location and limits any kind of future growth. Architects also concluded that it was very disruptive to courts and users in the area and it cannot adequately build a solar field.\nHe went on to say that going with the current location would be absolutely ridiculous.\nAccording to Rardin, research shows that future growth for the site off of First Street would last over 100 years and allows economic development to begin as Alamogordo grows.\nRardin also said the site off of First Street is the only option he could see that keeps the county true to their promise to the public for raising the tax and is good planning for now and the future.\nCounty Commissioners have not decided on a location due to cost issues that are unclear at the moment.\nOne thing County Commissioners made clear was that they did listen to the community when they voted to keep the courthouse at its current location.\nDuring the Feb. 9 Otero County Commission meeting, County Commissioner Lori Bies was concerned with the cost of the bonds and said she would not vote for a bond that she could not verify all of the details as to location and cost prior to leaving them responsible for funds they don't know they can use to get the project done because it was looking to be more expensive than what they thought.\nThe public hearing will be held at 6 p.m. at the Otero County Administration Building, 1101 N. New York Ave., Rm. 123.", "label": "Yes"}
{"text": "It has been more than twenty days since I got my shipment and I was still wondering how much I had to end up paying for Customs here in India. I finally decided to call up the DHL office and asked them how much I had to pay. So here is how much my Kindle finally worked out to:\nKindle shipment update 2\nKindle 3: 6,500\nShipping: 1,000 (it took less than 3 days from dispatch to delivery)\nThe figures above are in approximate INR.\nI know this is high (the customs almost killed me) and could have been just below 7,000 had someone got it along for me. But I do not mind paying a premium for getting it two months or more early had I depended on someone else. And anyway it is still much cheaper than any other e-reader available in India. And undoubtedly the best there is.\nIf you think my review helped and would want to buy the Kindle, please use the below links:", "label": "Yes"}
{"text": "VALoans.com belongs to the Mortgage Research Center, LLC, (\"MRC\") Network. MRC is a private company that provides mortgage information and connects homebuyers with lenders. Neither VALoans.com nor MRC are endorsed by, sponsored by or affiliated with the United States Department of Veterans Affairs or any other government agency. MRC receives compensation for providing marketing services to a select group of companies involved in helping consumers find, buy or refinance homes. If you submit your information on this site, one or more of these companies will contact you with additional information regarding your request. For a full list of these companies click here. By submitting your information you agree MRC can provide your information to one of these companies, who will then contact you. MRC does not guarantee that you will be eligible for a loan through the VA loan program. VALoans.com will not charge, seek or accept fees of any kind from you. VALoans.com does not offer mortgage products and if you are connected to a lender through VALoans.com, specific terms and conditions from that lender will apply.\nA common scenario for VA loan assumptions involves the following frequently asked question:\n\"I inherited my parents’ home. I want to know if I can do an assumption on the VA loan and who I contact for this. Will I have to pay for any fees?\"\nIt is true that VA loans are assumable, but the borrower is required to work with the lender and/or get VA approval for the transaction, as instructed in VA Pamphlet 26-7:\n\"Transfers of ownership on properties securing loans for which commitments were made on or after March 1, 1988, must have the prior approval of the loan holder or its authorized servicing agent if either of them have automatic authority. If neither the holder nor the servicer has automatic authority, the servicer must submit a credit package to VA for underwriting.\"\nThese rules also feature instructions to the lender. How is a VA loan assumption required to be carried out? According to the VA:\n\"A seller must apply for approval of the transfer prior to completing the sale. Servicers and holders with automatic authority must examine the application to assess compliance with the provisions of 38 U.S.C. 3714. VA will make the determination in a case where neither the servicer nor the holder has automatic authority, following receipt of a complete application package from the servicer.\"\nIn order to successfully process the loan assumption, the VA loan \"must be current or will be brought current at the closing of the sales transaction.\" The person assuming the loan must be creditworthy. Not all lenders allow VA loan assumptions.\nWhat about any fees associated with VA loan assumptions? VA Pamphlet 26-7, Chapter Five states, \"A processing fee may be collected in advance, including a reasonable estimate for the cost of the credit report.” For more information on VA loan assumptions, contact the Department of Veterans Affairs or discuss the situation with your VA loan officer.", "label": "Yes"}
{"text": "For every action there is a reaction, and for every reaction there can be unintended consequences.\nSuch is the case with a proposal before the Worcester Board of Health to restrict the sale of flavored tobacco products to adult-only establishments, such as retail tobacco stores, vape shops and cigar bars.\nThe proposal is part of a comprehensive policy being considered by the board that focuses on reducing youth access to tobacco. The board will hold a public hearing on the matter Monday night.\nFlavored tobacco products are considered \"starter\" products by the U.S. Food and Drug Administration and the U.S. surgeon general, meaning they help get young people interested in smoking and can lead to long-term addiction.\nOn the surface, the restriction might seem like a noble idea.\nIf one wants to keep tobacco products out of the hands of minors, restricting the sale of flavored tobacco products, which many contend are purposely targeted to young people, would seem a good start.\nCity Manager Edward M. Augustus Jr. said the proposal has the strong support of his administration. He said it is supported by an evidence-based strategy that has been adopted by 112 municipalities across the state, including Central Massachusetts Regional Public Health Alliance member communities Holden, Grafton and West Boylston. Other Central Mass. communities that have adopted the restriction include Spencer, Clinton, Marlboro, Leominster and Gardner.\n\"Backed by community input, a priority area listed within the 2016 Greater Worcester Community Health Improvement Plan includes restricting sales of all flavored nicotine delivery products and devices to adult-only establishments,\" Mr. Augustus said. \"In addition, the 2015 Worcester Regional Youth Health Survey found that 76 percent of area youths would not use e-cigarettes if they were not available in flavors.\"\nBut once you dig deeper into the proposal, one has to wonder just how much sense it really makes or how fair it is.\nThere are those who feel that what is being considered will have unintended economic consequences for convenience-store owners who will no longer be able to sell a legal product they have been selling for years, while that same product could still be sold in the city at \"adult-only\" establishments.\nAccording to the Worcester Regional Chamber of Commerce, which opposes the proposed restriction, 266 businesses in the city would be affected by the change, with many being so-called mom and pop stores.\nThe chamber has raised questions about the need for the restriction because it contends convenience-store owners are already doing a very good job of keeping tobacco products out of the hands of minors. It pointed out that Worcester retailers have a 96 percent compliance rate when it comes to the law, which prohibits the sale of tobacco products to anyone younger than 21.\nThat's a pretty impressive compliance rate and one the city can boast about, yet many of those owners could end up being punished financially for doing nothing wrong. At the same time, adult-only businesses, of which there are significantly far fewer in the city, would stand to gain a financial windfall by having the market all to itself for those products.\nWhile the chamber said it understands the \"well-intended reasoning\" behind proposing such a restriction, it does not believe it is the appropriate way to tackle the underlying issue of underage access to tobacco products.\n\"The policy as currently constructed doesn’t appear to have the ability to meet its intended goal of reducing youth access to tobacco since Worcester retailers have a 96 percent compliance rate and further the policy only restricts the sale of these products to adults,\" said W. Stuart Loosemore, general counsel and director of government affairs and public policy for the chamber. \"The policy also will create a very uncertain environment in Worcester because of the disparate treatment of similar retailers.\"\nJonathan Shaer, executive director of the New England Convenience Store & Energy Marketers Association Inc., said the policy being considered by the Board of Health has failed elsewhere in the state and sends the wrong message to youth and adults.\nHe said millions of dollars in revenues for these stores hangs in the balance and could end up seriously harming retailers’ ability to operate, hire and expand in Worcester. He also strongly disputes Mr. Augustus' claim that evidence supports the need for the restriction.\nHe said he has not seen any evidence whatsoever, either in Worcester or elsewhere, to warrant such an action.\n\"Worcester's 260-plus retailers had a near-perfect 96 percent compliance rate with tobacco sales regulations in 2017,\" Mr. Shaer said. \"Youth are not getting tobacco and nicotine products from Worcester retailers. We are doing our job. This is consistent with data from the Center for Disease Control, which shows that four out of five youth nationally get tobacco from friends, families and the internet, not local retailers.\"\nMr. Shaer said a financial impact study shows that local retailers stand to lose as much as $5 million in revenue from lost sales of flavored tobacco products.\nAll of which begs the question: Why punish the vast majority of law-abiding convenience-store owners when it doesn't seem, at least from the statistics, that their stores are a major source for minors gaining access to flavored tobacco products?\n\"In a community with a 96 percent compliance rate, it points to the fact that Worcester’s youth are not obtaining these products through the brick-and-mortar retail market in the city,\" Mr. Loosemore said. \"Nor do those brick-and-mortar locations wish to sell to underage individuals. Therefore, a sales restriction is not going to properly address the problem of underage tobacco use; it is just going to harm those law-abiding, local businesses that comply with the letter of the law.\"\nWhen a package store is caught selling beer to a minor, that owner is not prohibited from selling beer any longer; instead, the store can be slapped with suspension for violating its liquor license or even run the risk of losing it. Both Mr. Loosemore and Mr. Shaer believe that store owners that sell tobacco should be treated the same way.\n\"The Board of Health and City Council need to treat youth access to, and the use of, tobacco products and adult rights the same way we do alcohol,\" Mr. Shaer said. \"Adults should be free to purchase flavored and unflavored tobacco and alcohol, while minors should be subject to purchase, use and possession regulations for tobacco, just as they are with alcohol and will be with marijuana. The Board of Health and City Council should work with local retailers, not against them, to address this issue.\"\nThe Board of Health deserves credit for taking on the issue of youth access to tobacco. If it is able to prevent one kid from getting hooked on tobacco, it's a success.\nBut the board also must weigh the potential unintended consequences of its actions, which could have financial implications on business owners who have never contributed to the problem. It also shouldn't be picking and choosing which stores can and cannot sell certain products.\n\"Convenience-store operators all favor age restrictions to keep tobacco out of the hands of minors,\" Mr. Shaer said. \"We feel like we are doing everything right, yet without any solid evidence we're being told we're the problem. That's simply not true and it's unfair.\"\nContact Nick Kotsopoulos at email@example.com. Follow him on Twitter @NCKotsopoulos", "label": "Yes"}
{"text": "In Light of U.S. Economic Woes, First Lady's Vacation Raises Eyebrows\nI haven't really taken a huge vacation this year other than a short trip to southern California about six months ago to hang out with my folks and have some laughs with a bunch of old school Vietnam veterans. Besides that, I haven't done much else unless living vicariously through Anthony Bourdain and Andrew Zimmern and their Travel Channel shows actually counts for anything. In an ever so stark contrast to my 2010 travels, first lady Michelle Obama, her youngest daughter, Sasha, and several friends of the Obamas recently spent five days in southern Spain, which included a charity event heavy on the celebrity hosted by the likes of Antonio Banderas and Eva Longoria and a Sunday lunch date on the island of Majorca off Spain's northeastern coast at the summer home (read as \"palace\") of King Juan Carlos and Queen Sofia. That sounds like a pretty decent way to spend five days, and I'm sure good times were had by all.\nThe trip, however, has drawn criticism stateside what with the economy moving steadily away from the much vaunted recovery President Obama touted mere months ago. With unemployment currently at 9.5 percent and millions of Americans perhaps unable to afford a vacation due to various circumstances, many are calling Mrs. Obama's vacation everything from a case of poor timing to poor judgment or even flat out insensitivity. Writing in the New York Daily News, Andrea Tantaros took it a step further, stating that \"Michelle Obama seems more like a modern-day Marie Antoinette...than an average mother of two.\"\nDamn...tell us how you really feel, Andrea.\nMost of the criticism of Mrs. Obama's trip has, not unexpectedly, centered on how much of the bill will be covered by taxpayers. While the White House has stressed that she would be covering personal expenses, including transportation and their hotel stay at the Ritz Carlton's five-star Hotel Villa Padierna, and that her friends that accompanied her are also paying their own way, many are concerned about costs for other expenses such as the necessities of providing a Secret Service detail. Some estimates have put the cost of the flight to Spain alone at approximately $178,000 for a roughly eight hour flight, or about $11,555 per hour.Continued on the next page", "label": "Yes"}
{"text": "Affiliate Marketing Opportunity\nAffiliate Marketing has actually been an effective tool in the promo of many online ventures and organizations for the longest time. Affiliate Marketing is also a type of performance-based marketing where a company compensates one or more affiliates per visitor or client brought about by the affiliate’s marketing efforts. In easy terms, Affiliate Marketing is an Internet-based marketing practice in which merchants (online entrepreneur) compensate affiliates (online merchants) for each of their visitors or clients caused by the affiliate’s marketing efforts. It is one of the fastest growing industries on the Web. To date, there are many examples of business that run successful affiliate marketing programs.\nWith numerous affiliate marketing opportunities available on the Internet, it can be a challenging job for site owners to sift through all the possibilities and select the most rewarding and prospective programs to promote on their websites. Affiliate programs have lots of advantages. The greatest benefit is the income accruing to the merchant as a concurred upon amount from the sale of each of the consumer’s or audience’s purchases. Another advantage is the direct interaction with the customer or audience, which can result in more sales and even result in a boost in the audience size, therefore increasing the company’s revenue.\nAffiliate marketing has actually been credited as the most effective and most convenient way for online merchants to increase their income and profit margins. It enables a company to take advantage of a big audience, at a low cost and without much effort. Although it is essential to note that to maximize your income potential, you require to construct a high-converting website. A lot of affiliates focus only on certain niches. So prior to engaging into affiliate marketing, ensure that you have a niche for which you can drive huge traffic.\nThere are a number of ways to begin into affiliate marketing. The most common technique is for an individual or a company to open an account with an affiliate marketer. As soon as an account is opened, the marketer will provide the affiliate marketer with the relevant info that they require in order to get begun. This includes the products or services to be sold and the names and addresses of potential consumers. The online marketer likewise enters a referral code, which can track the development of the customer or viewer through the sales recommendation number.\nAnother common technique for getting going into affiliate marketing is for a business to employ an affiliate online marketer, who will act as the intermediary. With this technique, the business will provide the affiliate online marketer with the relevant information that they require in order to get begun. This includes the service or products to be offered, the names and addresses of potential consumers and the recommendation code for payment functions. The marketer then enters the recommendation code and selects a specific affiliate program, which will pay the online marketer a commission for every single sale made through the referral. If the referred consumer makes a purchase from the picked affiliate program, the company will pay them a part of the quantity made from the referred customer.\nEmail Marketing is a type of affiliate marketing that has been around for a long time. The idea behind email marketing is for companies to connect to their target audience straight through their existing e-mail database. Through this approach, companies will be able to gain access to their target audience at any time of the day. These audience members might have just recently purchased a particular product online or might not presently use that product however have an interest in it. By sending out an email message that connects to a particular services or product, companies can develop brand awareness for their item, attract new customers and even solicit feedback from previous customer purchases.\nIn order to get spent for affiliate marketing, a company will require to select an affiliate marketing program that provides performance-based payment. Under this kind of program, companies will only pay their affiliates if their efficiency has actually helped to increase the earnings of the program’s customer. An example of performance-based compensation would be Pay Per Click, which pays affiliates based upon the variety of times their ad is shown. There are likewise lots of other performance-based programs out there but Pay Per Click stays to be among the most popular. This is due to the fact that Pay Per Click offers a terrific way to start earning money without needing to put in too much effort as it just needs a little in advance financial investment from the marketer’s side.\nPrior to dedicating to promoting an item through an affiliate marketing program, an affiliate online marketer ought to make sure that the item being promoted is something that he or she will truly delight in promoting. Even if you discover the perfect product, it does not imply that you will become successful in offering it. Just like everything else in life, hard work is what will lead you to success. Prior to choosing which products to promote, an affiliate online marketer should research on what specific niche he or she will be promoting. The niche should be something that will have a bigger audience. For example, if the marketplace is based upon acne treatments, there are a lot of advertisers out there, but just a couple of products that will truly cater to the needs of acne-sufferers.", "label": "Yes"}
{"text": "In the March Budget, it was announced that Deeds of Variation would be reviewed as part of a crackdown on tax avoidance. Following the Summer Budget, the Government has now launched a consultation on the use of Deeds of Variation for tax purposes with comments being accepted until 7 October 2015. We will then find out whether Deeds of Variation are to be abolished in their entirety or if changes are made to the way they can be used.\nDeeds of Variation (or Deeds of Family Arrangement) are a binding method for a family to re-arrange, after death, who inherits. A beneficial interest inherited after a death, is redirected by the beneficiary to someone else. Effectively, a variation is a gift from the original beneficiary to the new one within two years of death. The benefit of proceeding in this way is that it is possible to elect that the normal Inheritance Tax (IHT) and Capital Gains Tax (CGT) rules which otherwise apply to such gifts do not apply so that the gift is treated as if it were made by the deceased.\nDeeds of Variation were originally introduced nearly 50 years ago as a means of addressing perceived unfairness when there was a change from Estate Duty to Capital Transfer Tax. A tax efficient Will written under Estate Duty may not have been so under Capital Transfer Tax and therefore the ability to change those dispositions after death was provided by way of a Deed of Variation.\nSince that time, Deeds of Variation have been a useful tool for IHT planning but also for providing flexible family protection and they are sometimes used to correct other problems in the distribution of an estate which, had the testator had the opportunity or capacity to do so, they would very probably have corrected themselves.\nIt may be that in certain circumstances the use of Deeds of Variation has gone well beyond the envisaged purpose to carry out tax planning. If they were abolished, however, it would have wider implications for families trying to re-arrange the distribution of a family member’s estate post death where tax is not the main concern. Or indeed if the aim is to achieve a sensible tax treatment that, owing to a lack of advice or poor advice, the family had failed to plan for during their lifetime.\nHMRC are seeking evidence by way of a questionnaire to identify the main reasons for using a Deed of Variation and whether they generally increase or decrease tax payable. It is to be hoped that the responses to the consultation will demonstrate the beneficial role that Deeds of Variation play. If they are abolished clients are likely to need more complex Wills and advice, and will need to review their Wills more regularly. For those who cannot afford this, or are unaware of the consequences, their estates may pay more tax and the distribution of their estate may adversely impact on their families who will have no form of remedy.\nFor anyone where a Deed of Variation is potentially possible now, professional advice should be sought and acted upon as soon as possible as the ability to vary may not be available in the future.\nFor further information, please contact Alice Clewes, Partner at Hay & Kilner\nCall: 0191 232 8345", "label": "Yes"}
{"text": "« iepriekšējāTurpināt »\nFurther, the Congress and the administration should make provision for the rapid democratization of housing patterns. Segregation is not consistent with our way of life and our ideals. Every citizen should have free access to the housing market based on his need and his economic capacity, not on the basis of race, creed, color, or national origin.\nIn keeping with the doctrines set forth by the Supreme Court in the school cases and others, all levels of government—Federal, State, and local—should insist that its aid to housing carries with it the requirement of open occupancythat is, availability without discrimination.\nNo one expects all minority housing problems to be solved in a day. But we cannot be content with the hope that time alone will solve this vexing problem, either; the mere passage of time without determined action to alleviate the situation-shows signs, in fact, of making things worse. More and more new housing is being built for “whites only.\" New communities are being built for “whites only.\" The economic progress of minority group members, however, only sharpens the impact of existing discriminatory patterns; a man who can afford good housing but is barred from it has a special and dramatic grievance even over and above that of people who cannot afford to pay.\nIn conclusion, it is our emphatic belief that the present housing laws are inadequate and too largely directed toward benefitting those who are already most able to pay instead of those who are most in need of help. The amendments to the Housing Act of 1954 proposed by the administration are not objectionable; they would provide improvements, but these would be slight indeed when measured against the Nation's need.\nWe of the CIO urge this committee to sharpen its pencils and draft a new bill which will implement the public housing goals of the 1949 Housing Act, provide a realistic middle-income housing program, make extensive new housing available to minority families and tighten the ban against discrimination, and finally, reorient our slum clearance and redevelopment programs toward rehousing and new housing for those most in need. We stand eager and ready to aid in these efforts. It is time indeed that the power and prestige of the Federal Government—through its direct expenditures and extension of credit—be utilized more fully to help those whose need is critical—the millions of families whose substandard dwellings now blight not only our urban centers but the very lives as well of the men, women, and children who are forced to occupy them.\nCONGRESS OF INDUSTRIAL ORGANIZATIONS,\nWashington 6, D. C., April 20, 1955. Hon. John J. SPARKMAN, United States Senate,\nWashington, D. C. Dear Senator SPARKMAN: I am very happy to reply to your recent inquiry as to whether the Congress of Industrial Organizations views our present rate of new-home construction as excessive.\nThe question, are we currently producing enough homes, too many, or too few, can be properly considered only in relation both to the Nation's total housing need and to the effect of the current construction rate on the entire economy.\nWhile new residential construction is reported to be at an all-time high, it still falls far short of meeting the housing needs of the American people. Recent authoritative studies indicate that this country faces an annual new-home need of about 2 million units annually for the next 10 years. This level must be achieved not only to provide homes for new families but also to meet normal replacement requirements, to rebuild units lost because of slum clearance and other public improvements, to accommodate families still overcrowded, and to make it possible to vacate substandard dwellings which are not suitable for rehabilitation. Even the most conservative estimates of America's annual newhome construction needs do not fall below our present rate of performance, a performance which, unfortunately, is still failing to meet the needs of millions of moderate- and low-income families.\nIt is our view that the well organized and widely disseminated propaganda which depicts our present rate of residential construction as excessive because it exceeds the current rate of new-family formation either is based on ignorance or reflects a deliberate effort to deceive the American people. Surely the rate of new-family formation could be conceived of as a major determinant of the need for new-home construction only there were no need to replace existing substandard structures, no public or industrial programs—or acts of Godwhich destroy thousands of existing structures each year that must be replaced, and no preexisting shortages or overcrowding.\nHowever, even if we had the good fortune not to be confronted with vast slums and millions of deteriorating substandard dwellings, if none of our existing inventory of dwellings were being depleted each year because of fires and other disasters and demolitions resulting from nonresidential construction, and if none of our families lived doubled up, America would still require a new-home construction rate substantially in excess of the rate of new-family formation. This necessity grows out of the fact that our families desire and have a right to achieve a constant improvement in the overall quality of their housing inventory as new technology can produce better homes and as higher incomes afford the means to buy them.\nThoughtful consideration of all factors should dispose for all time of the nonsensical claim that our building rate is too high simply because it exceeds current new-family formation.\nIf those who charge that the present building rate is excessive were forthright, they would admit that they are not concerned with housing needs at all but rather with housing prices. Actually, they fear that the value of existing properties will fall if the present rate of new-home construction is maintained. Their views are based on the false assumption that the Nation's economic wellbeing is preserved by scarcity, not by abundance. To be consistent, should they not as logically be demanding credit restrictions to discourage auto, appliance, furniture, and other production, as well as the production of dwellings?\nToday, the American people fear a decline in economic activity, not an expansion of it. Only a handful of shortsighted individuals who cannot be persuaded that a constantly expanding and prospering America is possible fear rising production and look upon a decline in various segments of our economy as healthy.\nThe continued growth of the housing inventory of the Nation is not only necessary as an end in itself; it provides, in addition, an important stimulant to our entire economy. Through a sustained expansion in home construction we help to protect existing property values precisely because these values can be stabilized only in an economy of prosperity and high employment. Economic decline, on the other hand, is contagious and will not bypass property values. Economic stagnation would lead to foreclosures, vast governmental outlays to back up FHA guarantees, and other consequences which would adversely affect the well-being of all who now depend on home construction for their livelihood.\nConcern is expressed over the amount of outstanding credit which FHA regulations help to stimulate. This credit, however, does not exist in a vacuum. It is backed up by new homes, new neighborhoods, and in many cases entirely new communities. In contrast with the extension of credit which is used simply to force up values, like stock-market loans, for example, housing credit produces new wealth and well-being; therefore, its extension is not in itself a cause of inflation. Its availability on a liberal basis is, in fact, the only means by which millions of moderate-income families can hope to obtain homes of their own. Furthermore, its continued availability is prerequisite to maintenance of economic growth.\nPeople who owe mortgage debts are acceptable credit risks because their debt is secured by the property for which they have borrowed and because their current incomes have been deemed adequate to support the charges for which they have obligated themselves. Assurances that they will be able to continue to meet their obligations can only exist, however, as long as high employment and general well-being characterize our economy. Our concern there fore, should be with a continuing program to aid and encourage home construction for sale and for rent and with the overall economic growth which these programs can so substantially stimulate. Submission to the fears of the prophets of scarcity will not avoid economic disaster; it will assure it. With every good wish, I am Sincerely yours,\nWALTER P. REUTHER, President. Senator SPARKMAN. Any questions, Senator Payne? Senator PAYNE. No questions.\nSenator SPARKMAN. Thank you very much, gentlemen. We appreciate it.\nBy the way, there was handed to me a copy of a letter from Walter P. Reuther, president of the CIO. Was it your wish that that be incorporated in the record ?\nMr. FISCHER. Our statement incorporates that.\nNext we have the National Association for the Advancement of Colored People, Mr. Clarence Mitchell, director of the Washington Bureau.\nWill you come around, please, Mr. Mitchell? I do not believe you were here when I made the request a little while ago that the full statement of the witnesses be printed in the record and you summarize it. We are budgeting the time to 12 minutes for each presentation. I regret the necessity of doing that, but we only have 30 minutes until the Senate meets and we have 3 more witnesses. We can budget a few minutes over the 30 minutes, but if we make it 12 minutes each we will get by all right.\nMinority group housing\nSTATEMENT OF CLARENCE MITCHELL, DIRECTOR OF THE WASHINGTON BUREAU OF THE NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE\nMr. MITCHELL. Mr. Yingling, the clerk of the committee, already brought me up to date on that and I will do my best to keep within the time limit.\nI am Clarence Mitchell, director of the Washington Bureau of the National Association for the Advancement of Colored People. I would like to have your permission to incorporate my full statement in the record.\nSenator SPARKMAN. Without objection, that will be done at the conclusion of your remarks.\nMr. MITCHELL. Thank you, Mr. Chairman and members of the subcommittee.\nWe are here today to try to bring into focus the problem that we have in the field of housing among minority groups. On the first page of my testimony we refer to the fact that the Government of the United States is in the incredible position of on the one hand supporting integration in certain aspects of life, such as the armed services, and things of that sort, while on the other hand actively promoting racial segregation in housing. We have some Census figures from the period 1940 to 1950, which spell out the need for housing among people who are classified by the Census as non white. I think if you look at those figures you will see that the nonwhite population is in a much more serious predicament so far as housing is concerned than the white population.\nOn page 2 we have another significant bit of information which comes also from the Census. That is the fact that in certain metropolitan areas which are studied by the Bureau of the Census it was found that the minority groups, the Negro in particular, were concentrating in the so-called central city or metropolitan areas, while the white population was going out on the fringes of the city.\nIn Washington, if we would bring that situation right home, we have growing out of that all sorts of curious problems. The fact that the white population is able to move to the outskirts of the city and the Negro population is confined to the central city, leads to argument against home rule. People say, \"We do not want to have home rule in Washington because if we do the Negroes will run the city.”\nOther people have tried to draw erroneous conclusions from the fact that the white population in the schools is diminishing. They argue the reason why the white population in the District of Columbia is diminishing in the schools is because schools are being integrated and the white people are running away from the colored people.\nUnfortunately, all of that is made possible by the Federal Government itself. Our organization has been successful in eliminating the court enforcement of restrictive covenants. Because we have done that it means that the existing housing that is located in the central city area, wherever there is a willing seller and a man who has the money to make the purchase because he has access to a lending institution, can buy a house. That means in the metropolitan areas housing becomes integrated, but in the outlying areas of the city, where the Federal Government poured millions of dollars in for the purpose of FHA developments, and things of that sort, there is where we are kept out and cannot purchase housing because of various kinds of agreements and restrictions.\nI would like to call attention specifically to the fact that in Bucks County, Pa., is one of the prime illustrations of the problem I am talking about. \"Our legal defense department filed a suit against Mr. Levitt, the builder of Levittown, Pa. They point out in a statement on why this suit was filed, that when completed the Bucks County Levittown development will consist of some 16,000 small homes and will be sold to individual buyers whose mortgages will either be insured by the FHA or guaranteed by the VA.\nFurther, the lawyers for six Negro veterans who are the plaintiffs, argue that Levitt has a monopoly on all new construction in the community, and he serves the town of Levittown in the Philadelphia area as a public utility. In other words, in the opinion of many people of this committee, I am sure Mr. Levitt is regarded as an outstanding builder. I believe he was down before this committee once last year to tell about how he built all of these wonderful houses. But so far as we are concerned, we who suffer from his policy-which policy he is able to execute with the aid of the Federal Governmentwe regard him as one of the living symbols of the encroachment of the police state in our country. Here you have an individual who is able, by the vast sums of money that the Federal Government puts at his disposal, to erect a Nazi-like pattern in American life by excluding people solely because of their race from a whole community.\nI understand it is possible for a dog to get into that community. You can move in there with a dog if you bring him in, but if it is a Negro seeking a house, he cannot get it. It is unthinkable and a disgrace, it seems, that the Federal Government would support that kind of thing without doing something about it.\nSo far as it appears to us from looking at it, the policy on housing now in effect by the Federal Government would seem to me to be sort of an equivalent of shooting off fireworks to scare away evil spirits. The reason why we say that is we have so many, many pronounceînents from time to time coming out of the Housing and Home Finance Agency about what they are going to do on this question. The latest report is dated May 16 and it comes from Mr. Albert Cole, the Administrator, who says he is going to call 25 representatives of big Negro insurance companies and banks into Washington for the purpose of trying to see what can be done about making more money available for colored housing. Well, what they mean and what Mr. Cole means is that he wants to try to find a way of making more money available for segregated public housing. It will not do anything about the kind of problems that we called atention to in our testimony, such as the existence in Montgomery County, Prince Georges County, Savannah, Georgia, Birmingham, Baltimore, Md., and other cities, where whole new communities are being built with the help of the Federal Government and Negroes are completely excluded.\nThe charge has been made sometimes by some of the people in Mr. Cole’s agency that our organization in particular never said anything about this problem until the Republicans took control. He said while the Democrats were in we were not as active in prosecuting this housing problem. I would like to submit for the record, if I may, Mr.\nI Chairman, a statement which we submitted to Mr. Raymond Foley, who was then Administrator of the Housing and Home Finance Agency, in January of 1952, in which we set forth exactly the same kinds of things we are complaining about today, and the Democrats, just like the Republicans, did not do anything about it either.\nSo actually, this is a kind of continued story that we are presenting to this committee.\nSenator SPARKMAN. Without objection, that will be included in the record.\n(The document referred to follows:)\nSTATEMENT ON HOUSING SUBMITTED TO MR. RAYMOND M. FOLEY, ADMINISTRATOR OF\nTHE HOUSING AND HOME FINANCE AGENCY, ON JANUARY 11, 1952\nThere has been a steady and dangerous trend in the application of racial policies by the Housing Agencies of the Federal Government since the United States Supreme Court decided the restrictive covenant cases in May of 1948. When the Court made that decision, it opened the door for colored home seekers to purchase and use property in any neighborhood where there is a willing seller. This has resulted in a steady expansion of the colored population out of the racial ghetto into nonsegregated housing areas in communities such as Los Angeles, Calif; Cleveland, Ohio; Washington, D. C., and Richmond, Va. The chief threat now to this progress in eliminating Negro ghettos comes from the Federal Government itself through the operations of the Housing and Home Finance Agency and its constituent agencies.\nUnder the slum clearance and urban redevelopment program, colored residents of some areas that will be cleared are being forced to move out while white persons will be the only racial group admitted to the new rental or sales housing to be erected on the cleared site.\nThe No. 1 illustration of this incredible type of discrimination, with the assistance of the Federal Government, is Baltimore, Md., where there are two areas designated for redevelopment- -one known as the Waverly project and the other in the vicinity of the Johns Hopkins Hospital.\nIn several cities, public housing projects will be built in areas where colored people have lived for many years but when the new projects are completed they will be designated for white occupancy.", "label": "Yes"}
{"text": "Smartphones have turned into an incredibly useful and complete tool, and making phone calls is just one of them. You can use it to take photos, respond to emails, track your physical activity and your health, do business, look at social media, play games, etc., but also you can use it to manage your finances from anywhere at any time.\nInternet banking comes with several advantages that traditional banking does not have. Online banks invest in platforms that are easy to use and offer more features and capabilities. And you can also easily contract for services online.\nThe possibilities that come with using an online bank are revolutionizing the way people manage their finances. Internet banking has also managed to change the relationship model between banks and customers. In addition to saving time and money, these are the other reasons why more and more people are joining the change.\nBenefits Of Using An Online Bank Account\n1. Innovation And Progress\nIt’s not surprising that in this day and age, the time of digital culture, big data, Artificial Intelligence, the Internet of Things, and so on, new banks have taken the lead over their competition. The most innovative technologies applied by digital banks (so-called fintech) allow for operations on their websites and mobile apps that are unimaginable in traditional banking.\nFor instance, due to the lack of physical offices and the preference for electronic resources, online banks are betting on machine learning for virtual assistants to create interactions between technology and customers. This makes for incredible customer service available at any time and from anywhere. Thanks to technology, connections are also reinforced, new forms of payment are enabled through smartphones and everything is automated to ensure that the customer has control without wasting time.\n2. Time Efficiency\nThere isn’t a moment in time when users can’t access their online bank—services are available 24/7. This eliminates the need of making special rearrangements in your schedule just to go to the bank. Furthermore, since it uses Artificial Intelligence assistants, online banking will anticipate your needs and help you resolve any doubts or issues, making your banking efforts even more time-efficient.\nFinally, going to a bank branch is a thing of the past, since online banking eliminates the need for that—even if you are abroad. With online banking, you can do everything from your phone and save precious time for other more important things.\n3. Cost Efficiency\nInternet banking is clearer. By meeting certain conditions, which are often very easy to meet, you can improve the usual price of services and even pay zero commissions. In addition, besides low or no fees and other good conditions that come with internet banking, transfers are usually free if certain simple requirements are met. Finally, everything is very simple to do, and the time saved is also money saved.\nMost online banks allow their users to access their bank accounts on different devices, whether it’s their computer, their tablet, or their smartphone. They provide specific designs for each of these devices to make navigation easy.\nAs they are becoming more and more popular, the competition between online banks is getting bigger and bigger. And, like with any other business, one of the best options they have to stand out from the crowd, is to offer a great user experience and great customer service. Transparency is a huge part of this. In internet banking, users have access to every information they need in detail. And important information like conditions for a contract is completely transparent.\nAs technology progresses, so does cybercrime. However, internet banks use combinations of different security measures, which make it virtually impossible to hack your online bank account. They use incredibly advanced security software, complex encryption systems, virtual keyboards, tokens, coordinate cards, electronic identification, multi-factor authentication, and so on.\n7. Understand Your Finances\nHaving constant access to your bank account, and being able to see what is going on there at all times, gives you a better understanding of your finances. This can provide you with a better understanding and control, which can help you improve your personal finances. Some online banks will also help you analyze your finances and help you develop saving habits.\nBeing able to access your bank from your smartphone, instead of going somewhere far from your house, is amazing. And this great convenience, which saves you both time and money, is only one of many benefits that come with online banking. For one, you can access your online bank account from any device at any time and from anywhere. So, no more commuting and no more waiting. You can learn everything and get any information you need right there on the bank’s platform.", "label": "Yes"}
{"text": "At Canada Pharmacy we are committed to saving you more on your medication. Not only do we want your online medication shopping experience to be enjoyable, but we want you to be confident you’re going to get the lowest available price.\nOUR 100% LOWEST CANADA PHARMACY PRESCRIPTION PRICE GUARANTEE & PRICE MATCH\nGET INSTANT STORE CREDIT WITH EVERY PURCHASE\nIf you find the exact same brand of medication or generic medication advertised online, in a flyer or print advert, or displayed in their online website by either any competitor at a lower price with identical terms and conditions, we will guarantee to match the price and provide you an additional discount.\nJust show us proof of the lower advertised price and give us a chance to verify it.\nCANADA PHARMACY PRESCRIPTION PRICE GUARANTEE CONDITIONS\nGuaranteed lowest prescription price guarantee is only valid at the time of purchase\n- RxDrugsCanada.com Prescription Price Guarantee does not apply to as-is prescription products, limited quantity and limited time offers,\ndiscontinued or exclusive prescription products, rewards or points programs, commercial and/or manufacturer pricing, bid pricing,\nmembership pricing, group or club pricing, errors, or pricing not otherwise generally available to the public\n- The Price Guarantee applies only to reasonable quantities for personal use\n- We do not match prices offered on Black Friday, Cyber Monday and/or Boxing Day. However, during these special offers visit our\nwebsite to find the lowest prices on any prescription medications\n- We will match the current advertised prescription price and give you an additional discount\n- Prescription medication must be identical and in stock at the time of placing any order with a licensed Canadian mail order pharmacy\n- Prescription medication must be in same quantity, same country of manufacture, same pack size, same strength and same quality\n- Prescription medication must be new. We cannot match price of any used, short expiry or expired prescription products\n- Prescription medication must be from a reputable licensed pharmacy from regulated body in country of origin\n- Price match can only be issued when you purchase from our online website\nWe Accept Credit Cards, Money Order, Cash, Checks, Bank Transfer and Bitcoin\nCanada Pharmacy dispenses all medications from licensed and regulated independent pharmacy partners internationally, including but not limited to Australia, Canada, New Zealand, India, Mauritius, Turkey, United States, Singapore and the United Kingdom.\nAll Images on this site are registered trademarks of original manufacturers, international exporters and property of their respective owners and for reference only. Online Pharmacy procures all products from licensed licensed regulated international in order to provide you unbeatable prices for all your medications. All prices may be subject to change at Canadian Pharmacy.", "label": "Yes"}
{"text": "The factory is located in the No. 18 Jin Sheng Road of Suzhou Industrial Park in Jiangsu province. It is a scientific and technological innovation enterprise which is specialized in robot system integration, non standard automation equipment, visual inspection system research and development, production and sales. It has many invention patents.\nThe company has a factory area of more than 3000 square meters, with a team of more than 40 senior factory automation and intelligent technology research and development, with strong R & D, manufacturing and after-sales service capability. There have been many successful cases in the field of automobile, electronics, new energy, medical consumables and consumables, especially in the high speed, precision and complex automation assembly field, with core technology and rich experience.\nIts professional technology covers robot assembly, robot palletizing and handling, robot polishing and polishing, robot welding and spraying, and integration of robot and material and material system. Its non-standard automata mainly include assembly machine, packaging machine, needle insertion machine, grease injection machine, winding machine, testing machine, riveting machine and other equipment.\nUnder the background of the shortage of labor resources and the 2025 intelligent manufacturing by the state, our company will set up its own and industry advantages, and strive to become the leader in the field of automation and intellectualization in China.", "label": "Yes"}
{"text": "Since we last connected last Wednesday, we’ve had a few notable events happen (to say the least!)\nFirst, former vice president Joe Biden became president-elect Joe Biden. Depending on your perspective, this may or may not be a “done deal” as far as you are concerned. That’s fair. However, it is mostly a done deal as far as the prediction markets are concerned.\nLeading website PredictIt is giving Biden a 90% chance of winning this never-ending November election. I like PredictIt better than any poll because punters are betting “real money” on the website. Heading into the election, the prediction marketplace correctly foresaw a close election, outperforming any pollster I’m aware of. For our decision-making purposes, we’ll take its 90% Biden odds at face value.\nThe balance of the Senate, however, is another matter. It was previously called for the Republicans. However, two runoff elections (both in Georgia) are slated for January. PredictIt is currently pricing in a 78% chance of at least one Republican victory, which would keep the Senate red and set us up for a “gridlocked” Congress.\nThe financial markets appear to be cheering two things:\n- A clear presidential election winner, and\n- The gridlock, which likely means the current tax plans are staying for at least two years, and probably longer, because midterm elections often tip in the favor of the party that does not occupy the oval office.\nA renewed contest of the election, or two blue wins in Georgia, could upset the market’s neat apple cart. It’s a volatile year, and we must be ready for anything.\nAnd oh by the way, we’ve got a vaccine for the virus!\nAnother November Shot in the Arm\nPfizer’s (PFE) clinical trials took longer than anticipated, for a good reason: its vaccinated study participants were staying healthy! On Monday we learned that the shot prevented 90% of symptomatic infections among its nearly 40,000 study participants.\nThe firm already plans to produce 50 million doses by the end of this year and 1.3 billion by the end of 2021. So, while we do need to keep in mind that two doses are required per person, we can see that many of us here in the US should have an opportunity to receive our double-shot sometime next year.\nCould something still go wrong? Of course. But we should keep in mind that we have nine more vaccines in phase three clinical trials, which is the most important and final phase of the drug development process. Odds are excellent we’ll hear more good news from one or more of these candidates soon.\nSo, What Should We Buy Now?\nAdding it all up, what dividends should we buy, assuming that in 2021’s Washington DC we’ll have:\n- A Joe Biden presidency\n- … with an agenda checked by a Republican Senate\n- … while Main Street hopes for a gradual reduction and eventual elimination of the virus.\nThe stock market “sniffed” much of this news out and bounced 10% from the beginning of last week. However, not all dividend stocks have yet, at least, followed this moonshot higher. In recent months, investors have lost their minds and discarded perfectly good yields.\nFrom our friend Jason Goepfert at SentimenTrader:\nSince April, an average of $788 million per month has flowed out of dividend ETFs while an average of $263 million per month has flowed into momentum (funds).\nGood for us, because ETF money flows are often an excellent contrarian indicator. Rookie investors love chasing the hot, shiny object. Calculated income investors like us, meanwhile, prefer to find value (and high yields!) in perfectly good payers that are not currently “cool” enough for the kids to buy.\nLet’s bid a cheerful “so long” to these investors. We will gladly pick up their perfectly good payout scraps while they blindly chase the (formerly) hot “stay at home” tech names like Netflix (NFLX).\nI’m a Netflix subscriber, and am happy to pay $8.99 per month. I am not, however, a Netflix shareholder, because I refuse to pay 78-times earnings for its shares!\nNo sir! Give me those discarded dividends, like utilities, instead.\nIn this wacky world, it’s tough to think of a dividend better than from a good ol’ utility. Yet these government-granted monopolies haven’t moved much (yet, at least!) this year. The Utilities Select Sector SPDR ETF (XLU), most investors’ go-to utility investment, has returned just 2% year-to-date as I write. Contrast that with the S&P 500, which is now up by double-digits.\nXLU yields 2.9% today, but we can do even better by “cherry picking” the best dividends in the sector. For example, let’s look at my favorite utility to buy today. It yields a generous 8.1%, which is nearly three-times the dividend of the popular ETF.\nProfits at the utility are humming, too, as the firm is clocking 70% operating margins year-to-date (YTD):\n2020-Proof Operating Margins\nThe firm’s secret “2020 repellant” is two-fold:\n- It’s already built out its profitable infrastructure, and\n- Its product is always in-demand.\nThe company thrived in 2020 and will keep humming through a gridlocked 2021. The firm delivers an amazing 30% of the clean-burning natural gas in the US!\nThis type of 3X to 4X “income upgrade” is a hallmark of my Perfect Income Portfolio strategy. Imagine if you simply tripled or even quadrupled each and every dividend in your current portfolio (without trading options or doing anything risky):\nHow? Read on and I’ll explain my perfect dividend strategy.", "label": "Yes"}
{"text": "Indian food delivery and restaurant aggregator Zomato made a stellar market debut this week with its stock surging 65%, giving the startup a valuation of about $14 billion. The successful outing of the homegrown company is a milestone event for India’s entrepreneurial ecosystem as several others queue up to list. Berkshire Hathaway Inc-backed Paytm, hospitality company Oyo Hotels and ride-hailing firm Ola, both backed by SoftBank, are among other Indian startups set to test public market waters.\nZomato’s IPO outing shows that public markets can be more enthusiastic than private equity players in driving up valuations. Zomato’s close competitor Swiggy was recently valued at less than two-fifths those levels, or $5.5 billion, after a $1.25-billion fundraising in the private markets.\nIn a letter to shareholders, Zomato founder and CEO Deepinder Goyal said the tremendous response to the IPO gives the firm the confidence that the world is full of investors who appreciate the magnitude of investments it is making, and take a long-term view of its business.\nFrom unicorn quarters\nIn yet another milestone development, SE Asian online realty company PropertyGuru agreed to go public through a merger with a blank-cheque firm backed by billionaires Richard Li and Peter Thiel, giving the combined company an equity value of about $1.78 billion.\nThe deal with Bridgetown 2 Holdings is expected to fetch proceeds of $431 million, including a private investment of $100 million from Baillie Gifford, Naya, REA Group and Akaris Global Partners.\nAs Indonesian marketplace Bukalapak’s IPO opens for subscription next week, we took an in-depth look at its pricing based on various valuation parameters. The Emtek group-backed marketplace — which will be the first among Indonesian unicorns to go public — plans to raise up to $1.5 billion by issuing 25.76 billion new shares at an offer price of 750-850 rupiah per share. At that range, many traditional parameters suggest the shares are in an overpriced zone.\nMeanwhile, from the Philippines, fintech player Mynt says it is looking to more than double its valuation to $2 billion in its future fundraising, Nikkei Asia reported. Mynt, the firm behind the popular GCash app, closed a $175 million funding round in January that valued the company at nearly $1 billion.\nFrom India, online trucking platform BlackBuck became the latest entrant in the country’s growing unicorn club, raising $67 million as part of its latest Series E round of equity financing at a valuation of $1.02 billion. The round was led by Tribe Capital, IFC Emerging Asia Fund and VEF.\nOmnichannel eyewear brand Lenskart raised an additional $220 million in funding led by Temasek and Falcon Edge Capital. The current fundraise values the startup at $2.5 billion.\nByju’s made its second major acquisition in the US with the purchase of Epic, an online reading platform, for $500 million in a cash-and-stock deal. Byju’s had bought educational gaming startup Osmo in 2019.\nVertex Venture Holdings is raising about $330 million through the issuance of seven-year senior unsecured Singapore dollar bonds at a coupon rate of 3.3%. The issuance, the first SGD corporate bond issuance by a global VC firm, was upsized due to “overwhelming investor demand.”\nSingapore-based Good Startup has so far raised $26.5 million for its debut fund, exceeding its original target of $25 million ahead of its final close in August. The VC firm has so far built a portfolio of 10 startups.\nJapan-based Sasakawa Peace Foundation has committed to invest in Beacon Fund, a gender lens investing fund focusing on Southeast Asia. Beacon Fund has raised almost half of its initial target of $50 million.\nWealth manager Paragon Capital Management Singapore has announced the launch of its new early-stage venture capital fund that will invest in productivity and efficiency enabling startups.\nUS retirement fund manager LACERA has approved an investment of up to $500 million in the KKR Diversified Core Infrastructure Fund.\nIndonesian e-commerce brand acquirer Hypefast has raised $13.99 million in new funding, per filings accessed by DealStreetAsia – DATA VANTAGE. New investor Monk’s Hill Ventures led the round.\nThree Indonesian companies are moving ahead with plans for a public listing on the domestic stock exchange. Primaya Hospital Group, dairy firm Cimory group, best known for its yoghurt drinks, and Tempo Inti Media Tbk are understood to have initiated share sale plans.\nIndonesian social commerce enabling platform Desty is said to have closed pre-Series A funding of over $3 million in a round led by Chinese venture capital firm 5Y Capital. Fosun RZ Capital, East Ventures, January Capital and InCapital have also joined the round. The deal would mark the first investment for 5Y Capital in Indonesia.\nInterviews and analysis\nMultiples Alternate Asset Management has closed its third fund at $680 million to invest in mid-market companies in India. The PE giant has so far made two investments from the vehicle including a $192-million funding that it co-led with Singapore state investor Temasek in Indian fresh meat and seafood e-tailer Licious. “We have added some marquee new domestic and global investors which is a big win for Multiples. Our focus is to find good opportunities to deploy this capital and come back for Fund 4 in the next 18 months,” said founder & CEO Renuka Ramnath in an exclusive interview.\nCanadian pension fund OMERS is seeking to tap opportunities in the areas of energy transition, digital infrastructure and transportation as it steps up its infrastructure investments in the Asia Pacific. “Energy transition is a theme we focus on globally and I think is a theme which is going to be very strong in Asia, as it tries to decarbonise,” OMERS Infrastructure managing director and Asia head Prateek Maheshwari said in an interview.\nThis week, we analysed deal data from China and looked at growing investor interest in Vietnam’s edtech and Singapore’s wealth management space.\nInvestments in privately-held companies in Greater China showed robust growth in June with PE and VC firms pouring a total of over $6.2 billion into 154 startups. June’s aggregate deal value was a 22.8% increase over May, according to proprietary data compiled by DealStreetAsia. However, the country’s tightening grip on the tech sector could cast a shadow over the dealmaking landscape in the months to come.\nThe raging COVID-19 pandemic has led to a revival in investor interest in Vietnam’s edtech sector. So far this year, six players in the sector have announced fundraisings amassing at least $22 million. In comparison, there were only three announced deals in the entire 2020 and six deals in the entire 2019.\nFlush with capital from recent fundraisings, Singapore’s digital wealth management platforms are now busy charting a new growth path — expansion to new geographies, thinking up new products and features, and hiring top talent. Players in the sector closed five funding rounds between late March and early July compared to only one deal in the same period last year.\nLastly, we had this analytical piece on Vietnam’s growing tribe of seasoned professionals setting up new funds to support the startup ecosystem that is now entering a mature phase.", "label": "Yes"}
{"text": "1) Tap joy This is the community that has the copyright of advertising on Avakinlife game, Tap joy advertising others application and many things which help the user to earn Ava coin and avakinlife get money from them. Street café and other spot are available in Av akin where you can work and earn money through it.\nFolk who had lots of funds they love spending their money on Av akin for buying everything. 4) Create Instagram You can earn through Instagram by completing challenge what Avakinlife official give other, even though many other Av akin Instagram make a game (Giveaway) of posting their picture of the timeline and if someone wins it they got wings and whatever they want as per the cash they advertised of.\nIt’s quite easy, you just need to watch ads video and after that, you can open mystery boxes. If you already have those things for paying it for full prices and seeing it prices fall down to half rate then probably you feel bad but if you got a chance of buying anything for half rate then you feel amazing for buying it for profit.\nIn addition, you can join another place and ask others for knowing the key location, I found many people are very helpful. 7) Av akin Fashion You can easily earn coins if you’re good in fashion or design, I saw many people earn lots of coins from it.\nYou can participate in gold free of cost but you need to wear something which is compulsory to take photo shoot. For silver, you need to pay 50 Ava coin and for Gold it's free.\nSpot an official 24k member, post a pic for a chance to win newly released Iron outfits! People are generally creating new Ava coins for gifting their main account apartment and earning coins by doing trades usually.\nIf you just work on your new account for an hour daily for making coins like for joining in the contest and playing Egypt along with for making some effort for getting XP then you easily get 30,000 in a month without doing much. 2: Collecting Diamonds daily helps you for making coins by trading it.\n6: Participate in the Fashion contest and play Egypt for earning Ava coins daily. 8: Daily bonus wheel is opened 3 times in a day, you need to see when it'll available again for you along with ads one also available after that and the 3rd one available after 7 hours.\nThanks for visiting here, I hope these things will help you in playing Avakinlife. The video game is not any strange thing to anyone nowadays.\nAvakinLife is a type of video game that is quite popular these days in every age group of people, especially youngsters and teens. In this game, you can play the character of anyone and can provide yourself with different accessories.\nSome beneficial and effective methods on how to get money on AvakinLife Coin Hack and earning Av coins will be discussed below with the help of a few topics. These coins can be exchanged at the ATM in this video game.\nFor the new players, these rewards may be set as apartments, Egyptian cats, etc. The winner of this fashion show will be awarded large coins.\nThe next option to earn Avalon is through the Fiber bidding wall, Mystery box, or video offer. There are two other options too, like mystery box and video offer.\nAbove, it is discussed a few methods to earn Ava coins or money in Avakinlife. Whatever the way you will choose, you will enjoy the game every time you play it.\nYou want to hang out, you want to work and lead a family or even build a business. But unfortunately not everyone can fully enjoy the game when the lack of coins or gems begins.\nAva coins can be redeemed on iOS, android, even on an ordinary computer. You can easily get AvakinLife Ava coins for free online you do not need to download any files.\nIn this game, users get the chance to live an exciting virtual life where they can choose their looks, build a house for themselves, meet new people and chat. This 3D virtual world has beautiful locations, exciting rewards, cool accessories and branded outfits, which can add a fantastic look to your characters.\nCurrently, everyone playing the Avakinlife as a pro gamer want to get more coins and money to get high scores. But there is hardly anyone prepared to spend real money willingly on buying coins to play.\nAs a result, our team did their extensive research on how to hack avakinlife and finally here to help these gamers. The number of stories you open, the more diamonds and Ava coins will be added in your account.\nEvery new story will add some experience on your account that can help you gain some rewards in the game later. When your character earns daily by working, diamonds will be added to your account.\nBy tapping on this option, you will get many kinds of rewards, whether it is Ava coin, a diamond or any other gift. This mystery box is a good option for users, who are only short of some coins by unlocking the next level.\nTo earn more rapidly, you can level up and live a new story that can add experience point to your account. Another avakinlife hack to earn some points is to watch ads that are flashed during the game.\nThe only thing required to do is watch the article, which can add a few coins or impressions to the user’s account. When you work at any the street café or in the virtual world of av akin, you will make Ava bucks.\nDress up yourself in the most beautiful outfits and give yourself a perfect look which can gain you get extra coins later. Avakinlife cheats to choose the right outfit, a cute hairstyle and a fresh pair of shoes can add a classic look to your personality, and that attracts more means to gain popularity.\nTo secure more Ava coins and diamonds, ensure yourself a great look by adding matching outfits, branded bags, and accessories. Some parties take place every weekend or every month, which will be an excellent way to earn points.\nDiamonds, Ava coins, and other gifts are received by attending these parties and meeting new friends. Another easiest way among cheats for avakinlife is to earn coins through promoting it on social media.\nFacebook, Instagram, and some other platforms contain the official page of Avakinlife ; you can start following it and keep updated with the new offers and rewards. The more people you join the game by your invitation, the more rewards will be added to your account.\nAll these cheap trick is to attract you when you are desperate in search of avakinlifemoney cheat and get some visitors to their website. People don’t usually feel like buying a single virtual item in exchange for real cash.\nOur top ten list of avakinlife hack will help you add coins and diamonds in your account. In this interview, I just ask some same Questions from 24k Family 10 Richest members.\nNumbering is depended upon the clothes, houses, pets, time to reach this level. You guys profile really brilliant than me (Range) and for numbering it not that much matter more.\nDomain: I describe myself as pretty shy at first, but once you get to know me, I'm very sweet and care so much for the ones I love. I only spend on the double Tap joy events and in-game offers so that I can still support my favorite game.\nDomain: I guess that also answers the next question haha! I don't have any other ways of earning coins, except for the fashion contest.\nDomain: For the younger players id like to tell them never to worry about the money. It's a great thing to have, but finding your best friends is something money can never buy .\nDomain: My biggest dream in Avakinlife is just to be able to have fun drama free and meet amazing people. RB: Betrayal started playing Av akin since Jan 2019.\nBetrayal: I'm really chill and always love talking to people or working on goals Betrayal: It involves a lot of work and patience.\nBetrayal: I buy a fair amount of coins but fiber helps out a lot too Betrayal: At this point, getting to level 63 and decorating more of my houses.\nRB: Milk is a really charming guy in the 24k family, and he knows very well how to make others happy by doing some funny and silly things. Milk:Money for me is an important part of life that helps us live the lifestyle we want; set to the standards we want and wish them to be.\nMilk: I'm a very active individual, no tolerance for drama, LOUD DD, and as my friends would say, silly and funny. According to my GF Shay, I'm also caring, passionate, and charismatic.\nMilk: All the coins I purchase during the Tap joy times 2 events! It's the cheapest option you have to get Ava coins and if you do the right offers, you can earn 100s of thousands of coins for dirt cheap.\nAnd live a happy, financially stable, prosperous life full of joy. I am realistic about my dreams and I just want to lead a happy, and fulfilling life.\nRD: Financial Stability to play this game freely, without limitations. Takes pride in accomplishing goals fairly and honestly.\nRD: We do work in café daily, mystery boxes, builder, enter fashion contest, Egypt, fiber/Tap joy (especially during double rewards) Divinely and Royalty both good in fashion and both having the same choices, they both are the leader of 24K family.\nRD: Not many, Royal and I both have all the gold wings for both our male/ female characters. RD: Take advantage of the many ways to earn coins or items on the game.\nDo the cafés, mystery boxes, builders, fashion contests (free entries), vote daily too-you get coins and prizes when leveling up. Anyone can level up or earn enough to play and enjoy this game.\nSpend the time to work for coins or XPS. RB: Natalia really loves to make others happy and giving others Ideas, her Ideas are Impressive, and she wants to be a content creator in Avakinlife.\nBudget a certain reasonable amount of coins you want to spend for the month and then save the rest. Natalia: I earn most of my coins through Tap joy (during the 2x reward event once a month).\nThe reason a lot of us play Av akin in the first place is to have an escape from all the bad stuff going on in the world. Please use kind words, both in real life and the game.\nThe 24k family receives a lot of hate for some reason. I've been threatened, harassed, and degraded by people who hate our family.\nIf people on Av akin actually took the time to talk and get to know us instead of being rude and nasty, maybe they would find us pretty chill. Threatening and harassing someone because you feel tough hiding behind a keyboard is NEVER OKAY.\nNatalia: My biggest dream of Av akin is to become an official featured creator for Lewd. Anna Rose: Money is an economic unit that functions as a generally recognized medium of exchange for transactional purposes in an economy.\nI’m just a normal people who enjoying Av akin much XD Anna Rose: Actually, it has many ways to earn the Ava coin in Av akin like Trading with strangers or your friends, Mystery Box, Complete the Egypt adventure game every day, Do fiber (if it works in your country) and the last is purchased the real money when they release the good offers.\nAnna Rose: My biggest dream is to work with the Av akin community hahaha RB: Naomi really looks cute, and she's my Facebook friend too, and she is wonderful at cooking hope I got a chance to try her cuisine.\nNaomi:Money is something you spend in order to satisfy your wants and needs, prior to needs of course. Naomi: I'm a regular Filipino girl and I've been playing Av akin as my pastime.\nI mainly play for fashion stuff, I like dressing up my avatar and serve different looks every day since you can be anything you want in the game. Naomi: I don't really have a secret neither I would call myself a millionaire, I just happened to have extra money to spend to purchase what I want.\nNaomi: I mostly earn coins through fiber, paid offers are highly efficient, it pays a lot and doesn't require much effort and I sometimes purchase on Av akin coin shop when they have offers with rare items and loads of coins. Naomi: I own 31 pairs of wings, mostly the rare ones since I'm not fond of wearing them, I prefer pieces of jewelry.\nNaomi: Don't let anything distract you from getting in way of your dreams, keep moving even though the progress is small. Naomi: My biggest dream is to be a professional chef and be able to run a resto-salon.\nI like cooking and making other people feel pretty of themselves after all. RB: Jessica has really too many years of experience in Drumming and having good knowledge of Entrepreneurship, she loves to be happy, and she always thinks positively about others.\nNaomi: My biggest dream is to a successful business owner and musician since I'm already a drummer IRL with 15 years’ experience and 8 years of drum lessons Naomi: Money is just a piece of paper but has the power to control and manipulate everything.\nNaomi: I'm kind and a generous person, also fun to be with. Naomi: I buy coin offers and work hard at The Café, Sundown and Sta.\nNaomi: I want to be a good example to them by not being selfish and not to bully the other players. Also, by working hard on the game since most players of Av akin are teenagers, which I assumed buying coin offers would be not their option.\nNaomi: My biggest dream is to become successful (in real life), achieve my goals and to have unity with other countries and religions. Thanks for visiting here, if you like to know more content like this then follow this Blog and comment down what topic do you like to know.", "label": "Yes"}
{"text": "More than 50 entrepreneurs from Pavlodar city and region took part in a one day workshop organised by the European Bank for Reconstruction and Development (EBRD). The event focused on the use of services offered by outsourced consultants, how they can benefit companies and the opportunities consulting can bring regarding increasedeffectiveness and the development of small and medium business.\nThe workshop, Consulting Opportunities for Entrepreneurs from the Pavlodar Region, entailed a series of free presentations, master classes and business games describing modern innovation in business management. The programme of the event also included sessions dedicated to project and business process management, marketing, lean manufacturing, Kaizen (Japanese for “good change”) and small and medium-sized (SME) business automatisation and human resource management.\nBusiness people from the Pavlodar region, as well as their peers from Karaganda, Kostanai, Almaty and Astana, learned about the importance of external expertise for business development, increasing the overall performance of an enterprise, developing administrative processes, improving the knowledge and skills of businessmen and increasing the efficiency and competitiveness of the enterprise.\nThe event coincided with the beginning of a new EBRD information campaign in Pavlodarfocused on the importance of consultancy and external advice for small- and medium-sized businesses. The Know How Campaign, as it is called, is being offered in 25 countries across southern and Eastern Europe, Central Asia, North Africa and the Middle East, including Russia and Mongolia, in 2014.\nIn addition to financing, the EBRD provides business advice and industry expertise to small and medium-sized enterprises as part of a three-year programme funded by the Kazakh government called Business RoadMap2020. The bank is very involved in a state programme called Strengthening the Potential of Enterprise. Representatives of the EBRD in Kazakhstan explained to businessmen how they can get a grant covering up to 75 percent of the full cost of such consulting up to a maximum of $12,950 (€10,000) per project.\nThe EBRD in Kazakhstan has been advising small and medium-sized firms across the country on business matters since 1998. To date, it has helped almost 1,000 enterprises by utilising more than $18.1 million (€14 million) in donor funding and $8.2 million (€6.3 million) in cost-sharing contributions from client enterprises.", "label": "Yes"}
{"text": "WASHINGTON – The White House says that President Barack Obama’s budget for next year will be released on March 4, about one month behind schedule.\nBudget office spokesman Steve Posner says the release will be late because Congress was late to finish up an omnibus spending bill for the current fiscal year. He said that action means the administration can now wrap up work on its budget tome.\nLawmakers in both House and Senate hope that a budget deal last month will bring a semblance of order to the annual appropriations process, but that may be a tall order in an election year.\nThe annual budget lays out the administration’s wish list. Republicans controlling the House mostly ignore its major recommendations, which include a tax increase on corporations and wealthier individuals.", "label": "Yes"}
{"text": "December opened with a wild week for markets. Stock’s Santa Claus rally, began, faltered and then recovered by week’s end. Traders in other markets, commodity, foreign exchange and interest rate, also had to deal with uncommonly large intraday moves that were swiftly reversed.\nKey to the volatility was a data and event calendar that drove an appraisal, and reappraisal, of the path of Fed and ECB interest rates. That, plus expectations about a potential OPEC production cut, and of course, traders were awaiting US non-farm payrolls Friday.\nAs we open the new week, it’s almost certain the Fed will undertake its first rate hike since 2006, that the US employment market remains strong, the ECB needs a lesson in central bank communication strategy, and OPEC is going to keep pumping until it grinds US shale oil producers into the dust.\nBut, last week’s fractious trade sets up another huge week for markets in the run-up to the Fed’s decision on December 16.\nFed Chair Yellen said on two separate occasions last week that rates raised sooner would avoid “abrupt” moves later. The solid print of 211,000 new jobs in November’s non-farm payrolls Friday makes the move as close to a lock as central bank decisions can ever be.\nAs a result, non-farms strength helped stocks soar more than 2% higher on Friday. But after all the volatility, the week yielded gains of just 0.09% for the bellwether S&P 500 index. That’s left the ASX looking for a better start to the week Monday with ASX futures recording a 31 point rally on Friday night. However, that was after the ASX lost a little under 1% for the week.\nBut the big question for traders in the week ahead is what exactly does a Fed rate hike do to stocks and currencies. Oil looks likely to come under renewed pressure after talk that the Saudis might look for production cuts were scotched.\nThe ECB’s misstep last week, in appearing to promise more easing than it delivered, saw the Euro rally more than 400 points Thursday. Mario Draghi did his best to restore credibility in a speech to the economic club of New York Friday. He effectively promised more shock, awe and quantitative easing. But, the Euro finished the week up a little under 3% at 1.0884.\nThat helped the Aussie dollar retest the October highs in the 0.7880/90 region but the sellers were there again and it ended the week up around 150 points but back at 0.7339. It’s an impressive performance given crude’s crash, iron ore’s new 10 year low and a looming Fed rate hike.\nHow the Aussie performs in the week ahead is dependent on traders’ view about the Fed and the US dollar. But it’s also going to be influenced by three key data releases in Australia.\nTuesday sees the release of the NAB’s monthly business survey. Conditions have been strong recently, well above long-term averages. But confidence remains fragile, lagging conditions even though trading and profitability sub-indices are strong.\nBusiness confidence was crucial part of prime minister Turnbull’s rational for the putsch to oust Tony Abbott from the Lodge. This data is a key test for him and a health check on the confidence boost the economy seems to have received since he took the top job.\nWednesday sees the release of the Westpac – Melbourne Insititute consumer confidence index. This too is a health check on the mood of the economy heading into Christmas.\nBut, while both these data are important, the key to the week is Australia’s jobs report on Thursday. The Reuters poll says the market is expecting a fall of 10,000 after last months outsized 58,600 increase. Unemployment is expected to increase to 6% from last month’s trend breaking 5.9%.\nAlso out during the week are ANZ job ads, ANZ weekly consumer confidence, AIG performance of construction index, and ABS home loan data for October.\nOffshore the fun doesn’t stop either.\nMonday we have speeches from BoJ governor Kuroda, and his BoJ board colleague Sato. German industrial production is out, along with UK house prices and a speech from Atlanta Fed Governor James Bullard.\nTuesday is a big day with the release of Chinese trade. Arguably, it has become the second most important data point each month for traders to watch after US non-farm payrolls. Imports and exports have been weakening recently and traders will be watching for either a turnaround or an acceleration of this trend as an indication of the strength.\nJapanese GDP is also out Tuesday, along with trade. Q3 in Japan is expected to print anaemic growth of just 0.1% year on year, 0.0% for the quarter. UK IP is out and in the US the NFIB optimism index is out. Watch out for the NIESR GDP estimate in the US as well.\nWednesday we get CPI and PPI in China and German trade. Chicken or egg, German trade is a good indicator on what’s happening in China.\nThursday we get UK trade and a Bank of England rate decision and MPC vote cut. Jobless claims in the US as well as export and import prices.\nTo round out the week, Bundesbank president Jens Weidmann is speaking at 5am Friday morning AEDT. No doubt he’ll have a few brickbats for Mario Draghi. We also get German CPI Friday night along with US retails sales and PPI.\nIt’s another big week, with plenty of catalysts for trade as we head toward the FOMC meeting on December 16th.\nHere’s Westpac’s excellent calendar of all the key data and events.\nBusiness Insider Emails & Alerts\nSite highlights each day to your inbox.", "label": "Yes"}
{"text": "A Democratic paper aims to show Republicans would hurt the middle class. But their analysis really contains lessons for both parties on the hard truths about tax reform.\nNEW YORK (CNNMoney) -- An analysis from Senate Democrats released Wednesday found that many in the middle class could pay more under a House Republican tax reform proposal than they do today, while the uber-rich would pay less.\nThe analysis -- while partisan -- highlights a hard truth that both parties skate over when discussing the glories of tax reform: Lower rates will come at a cost. And someone will have to pay.\nHouse Republicans have proposed reducing the number of income tax rates to just two: 10% and 25%. They also want to eliminate the Alternative Minimum Tax. (Quiz: What the rich really pay in taxes)\nTo help make up for trillions of dollars in lost revenue, Republicans would \"broaden the base\" -- meaning they would close tax loopholes and get rid of or reduce other breaks in the code.\nThey don't, however, specify which ones.\nThe Democrats' analysis assumes five major tax breaks would be eliminated: the deductions for mortgage interest, state and local income tax and charitable contributions, as well as tax breaks on 401(k) contributions and employer-provided health care.\nThose five tax breaks disproportionately benefit the upper middle class. Part of the reason the rich do so well in the Democratic analysis is the loss of those five tax breaks would not override the tax savings they would receive if the top rate were lowered to 25%, said Roberton Williams, senior fellow at the independent Tax Policy Center.\nThe only way to level the playing field would be to also scale back the breaks that disproportionately benefit the rich -- such as lower tax rates on investment income and tax-exempt income such as that from municipal bonds.\n\"If we don't cut the preferences that help the rich, they will benefit greatly from the reduction in rates at the expense of everyone else,\" Williams said.\nThe Democratic analysis also inadvertently points out another huge challenge facing tax reformers.\nThere are hundreds of tax breaks on the books. But if lawmakers want to lower rates a lot, they'll have to attack the biggest five or six breaks -- which also happen to be the most popular. Otherwise, they won't get very far in terms of making up for lost revenue.\nThat means the middle class very likely will see some of their cherished tax breaks curtailed, if not eliminated.\nA good example is a tax reform plan from a bipartisan deficit reduction task force led by former Congressional Budget Office Director Alice Rivlin and former Sen. Pete Domenici.\nIt also proposed having just two income tax rates: 15% and 28%.\nBut to pay for those lower rates and raise revenue to help with deficit reduction, they made a host of changes to tax breaks that would affect both the rich and the middle class.\nThe Rivlin-Domenici plan would tax capital gains and dividends as ordinary income; eliminate the deduction for state and local taxes; convert the mortgage deduction to a 15% credit on interest up to $25,000 a year; and limit the tax break on retirement savings contributions.\n|What we want Apple to unveil at WWDC|\n|Millennials squeezed out of buying a home|\n|7 traits the rich have in common|\n|Big Data knows you're sick, tired and depressed|\n|Your car is a giant computer - and it can be hacked|\n|Overnight Avg Rate||Latest||Change||Last Week|\n|30 yr fixed||3.89%||3.85%|\n|15 yr fixed||3.10%||3.05%|\n|30 yr refi||3.87%||3.85%|\n|15 yr refi||3.08%||3.07%|\nToday's featured rates:\n|Latest Report||Next Update|\n|Home prices||Aug 28|\n|Consumer confidence||Aug 28|\n|Manufacturing (ISM)||Sept 4|\n|Inflation (CPI)||Sept 14|\n|Retail sales||Sept 14|", "label": "Yes"}
{"text": "SMMES in Sedibeng in Gauteng have welcomed a recent imbizo to the area, but are clear that a two-day visit will not address all their needs and struggles as a business community. Vutivi News spoke to businesses in the area following a two-day presidential imbizo in Sharpeville last week. The purpose of the imbizo was to reiterate the government’s commitment to combat poverty in the district and explain how this would be done by unlocking the region’s economic potential.\nThis includes the proposed Vaal River Special Economic Zone (SEZ), which was announced by Gauteng Premier David Makhura last year at the Sedibeng SMME Conference. President Cyril Ramaphosa told businesses that the biggest challenge facing the Vaal Triangle was unemployment. The Vaal SEZ is expected to create around 170,000 jobs.\nBut for Themba Mkhiza, who owns Ogcwabe Holdings (PTY) Ltd, and Karabo Letsele of Atlehang Printworks, there are other concerns. They have to do with the centralisation of business opportunities and the lack of access to information. Mkhiza runs a catering, decor and construction business which operate in Lakeside, Orange Farm and De Deur. He believes that the only opportunities that are available for businesspeople in Sedibeng are reserved for those who are politically connected.\n“Most of the construction projects in the region are awarded by political affiliation, and sometimes it depends on which political party you belong to,” Mkhiza told Vutivi News. He also lamented the lack of training and business development. “Sedibeng is also not as big an area as other regions, so it is difficult for us because there is not much business development happening,” he said.\n“There aren’t as many business workshops held here, and as a result many of the businesses don’t know how to manage their finances, or know which skills are needed to improve and grow their businesses.” But Mkhiza did admit that the imbizo may be a step in the right direction. “I believe that it is a promising step for the president to decide to go to the people rather than sending someone to do his job,” he said. Letsele, whose business operates in the Sebokeng and Sharpeville, holds the same view, saying that small business owners do not know where to access information such as growing markets and financial management.\n“Here in the Vaal, it is difficult to know how and where to apply for funding programmes meant for SMMEs, and those that do have access to the information tend to want to take advantage of our businesses because we don’t have as much information as they do,” she said. “I don’t have much faith in government’s promises to help Vaal-based businesses grow, but we shall see.”", "label": "Yes"}
{"text": "NEW YORK (AP) — Stocks rallied Monday as investors were encouraged by signs of progress in budget talks in Washington.\nAt the close, preliminary figures showed the Dow Jones industrial average with a gain of 100.38 points or 0.76% to 13,235.39. The broader Standard & Poor's 500 stock index was up 16.78 points, or 1.19%, to 1,430.36, and the tech-laden Nasdaq composite index was 39.27 points, or 1.32%, higher at 3,010.60.\nJust two weeks remain before tax increases and government spending cuts take effect if no deal is reached.\nOn the floor of the New York Stock Exchange, stock traders paused for a minute of silence at 9:15 a.m. ET to remember the 20 children and seven adults killed Friday in a gunman's rampage through a Connecticut elementary school.\nMarc Chaikin, CEO of the Philadelphia-based market research firm Chaikin Analytics, said investors became more hopeful for a resolution in the budget talks after House Speaker John Boehner made an offer to increase tax rates on high-income Americans.\n\"The fiscal cliff is obviously foremost on everyone's mind,\" Chaikin said.\nBanks were among the best-performing stocks. Citibank (C) gained 89 cents to $38.49 after Raymond James upgraded its target price on the stock to $52 from $44. In a note to clients, the brokerage reaffirmed its \"strong buy\" rating on the stock, citing the \"improving fundamental outlook.\" Bank of America (BAC) also gained 31 cents to $10.89.\nApple (APPL) shares rose $9.04 to $518.83 after the company said it sold more than 2 million iPhone 5s in China in their first three days of availability, setting a record for that market. The technology giant's stock has fallen 27% since it closed at a record $702.10 in September.\nIn Washington, there appeared to be movement in long-stalled budget talks aimed at avoiding tax increases and government spending cuts set to take effect Jan. 1, which are known as the \"fiscal cliff.\"\nIndexes opened higher following the news that Boehner, a Republican, offered $1 trillion in higher tax revenue over 10 years and an increase on the top tax rate for people making $1 million per year, to 39.6% from 35%. The market moved higher still after news crossed shortly before noon that Boehner went to the White House to meet with President Obama.\nIf congressional Republicans and the White House can't reach a deal by Jan. 1, tax cuts enacted a decade ago for all Americans will expire, and government programs will be cut across the board. The combination could lead to a recession.\nWall Street has been relatively calm in recent weeks, but David Kelly, chief global strategist for J.P. Morgan Funds, said that by Friday the market will be \"squarely focused on what is or is not happening in Washington.\"\nHe suggested in a note to clients that the markets will not have \"priced in\" any outcome, \"setting the stage for a market rally with an agreement and a slump with stalemate.\"\nClearwire (CLWR) slid 43 cents, to $2.95, after Sprint (S) announced terms of its buyout deal for the wireless Internet access company. Sprint's price of $2.97 per share was below Clearwire's (CLWR) closing stock price Friday.\nStocks gained even after a monthly survey of manufacturing in New York state area, carried out by the Federal Reserve Bank of New York, showed that business conditions for manufacturing in New York declined in December. The reading fell to minus 8.1 for the month from minus 5.2 a month earlier.\nA survey of top business economists released Monday by the National Association for Business Economics found that most expected modest economic growth in 2013, led by rising demand for housing.\nThe yield on 10-year Treasury note rose 5 basis points to 1.76%.\nTRACK YOUR STOCKS: Get real-time quotes with our free Portfolio Tracker\nStock markets in Japan and China, Asia's two biggest economies, rose Monday after Japanese conservatives who favor greater economic stimulus returned to power in a landslide election victory and China's new leaders promised more spending if needed to underpin a wobbly economic recovery.\nOther stock markets around the globe were more restrained as investors weighed the stimulus hopes with continuing concerns such as the unresolved budget negotiations in Washington.\nEuropean stocks were mostly lower. The FTSE 100 index of leading British companies closed down 0.2% to 5,912.15 while France's CAC 40 index finished down 0.1% to 3,638.10. Germany's DAX 30 index ended up 0.1% to 7,604.94.\nIn Asia, Japan's Nikkei 225 index jumped 0.9% to close at 9,828.88, its highest level since April, after the country's Liberal Democratic Party swept back into power at weekend elections. Party chief Shinzo Abe, almost certain to become prime minister, favors increased spending on public works and setting a 3% economic growth target. He's also expected to lobby for stronger action by the central bank to break Japan out of its deflationary trap.\n\"The outcome of the Japan election should help support sentiment in the region,\" strategists at Credit Agricole CIB said in a research note.\nJapanese export stocks rose as the yen fell to its lowest since March on expectations of looser monetary policy. Automaker Nissan Motor rose 1.8%, Sony climbed 1.4% and Panasonic jumped 2.3%. A weaker yen makes their goods cheaper for overseas buyers.\nIn mainland China, the Shanghai Composite rose 0.45% to 2,160.34 and the smaller Shenzhen Composite index climbed 0.4% to 819.58.\nOn Sunday, China's new Communist Party leaders under party General Secretary Xi Jinping pledged a \"proactive fiscal policy\" and \"prudent monetary policy\" in a statement carried by the official Xinhua News Agency. They were references to the willingness to boost spending if needed and keep credit easy so long as inflation stays low.\n\"I don't think the statement from the Communist Party is startling news, but what we see is that they still continue the stimulating policy and so I think it's good in the long run,\" said Linus Yip, chief strategist at First Shanghai Securities in Hong Kong.\nThe optimism failed to rub off on other Asian markets, which retreated slightly.\nIn currencies, the euro rose to $1.3161 from $1.3159 in late trading Friday. The dollar strengthened to 83.88 Japanese from 83.46 yen.\nCrude prices rose. Benchmark oil for January delivery finished up 71 cents to $87.44 per barrel in electronic trading on the New York Mercantile Exchange. The contract settled at $86.73 on Friday.\nCopyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.", "label": "Yes"}
{"text": "Over the past six months, one of the most amazing and miraculous events has occurred in the history of economics. Few Americans appear to have grasped how truly remarkable and miraculous the event truly was, even though it occurred right under their noses. The miraculous event to which I refer is our far-seeing leader’s program designed to 1) trick Americans into buying new cars they can’t afford, and 2) melt down their old cars, intentionally destroying them. Or, as the program has been termed by its brilliant originators, it’s a \"Cash for Clunkers\" program.\nYou might be thinking to yourself, \"I already know that this was a successful, and indeed almost miraculous, program. It not only saved the moribund American auto industry, but it put Americans to work, u2018stimulated’ lagging demand for cars people still can’t afford, and will help to make the American fleet cleaner and more efficient.\" If this is the reason you think Mr. Obama’s program was amazing and miraculous, however, you would be failing to appreciate its true brilliance and grandeur. The greatness of Mr. Obama’s program lies not in its superficial stimulation of a bloated industrial sector of our economy that should have died decades ago; rather, its greatness lies in the fact that it accomplishes something that it actually impossible in our world. It is able to defy the known laws of the world.\nIn order to see why this is the case, it is important to first note that the world in which we live is characterized by scarcity. That is to say, all of the things that men desire to fulfill their infinite wants and needs are in limited supply in our world. There is a limited supply of televisions, radios, cars, trees, water, gold — and, yes, (as the green people never tire of blathering about), there is even a limited supply of air in our world. This means that men are situated in this world in such a way that a great number of their wants and desires cannot be currently fulfilled. This is precisely why men work — to create things and situations that each subjectively thinks will make him better off. And, with the passage of time and the expenditure of more and more human productive energy, men are able to create more and more goods and services that fulfill more and more of their wants and needs.\nIt is precisely these obvious natural laws that Mr. Obama has managed to circumvent. He has managed to enact (or, at least take credit for) a bill that purports to make men better off, not through increasing the supply of the goods men actually want and need, but by tricking them into buying something they otherwise would not, and then destroying part of that same supply of goods. He has managed, in other words, to make us richer by destroying goods and diverting a part of the labor supply (yes, that’s limited too) into recreating those very same goods. The program manages to increase scarcity on the one hand by destroying goods and then remaking them, and yet supposedly makes us better off. It is a truly miraculous and historic undertaking if it is indeed working to make us better off — and who can doubt that it is doing just that, when every loudmouth politician and commentator tells us so.\nWhen one comes to realize just how amazing and miraculous Mr. Obama’s program really is, an obvious question comes to mind: If Mr. Obama’s program can really make us richer by destroying cars and tricking people into buying new cars, then why don’t we give this miracle program a try in the housing sector? Indeed, since the financial crisis struck most severely against the housing sector, then is that not precisely the sector where Mr. Obama’s miracle program is most direly needed? The program is easily adaptable to housing, after all. All that is needed is to give people an incentive to buy a brand new house that they can scarcely turn down (or afford), and, once they move into their new home, simply burn the old house to the ground.\nThink of the amazing stimulus the economy would get from having tens of thousands — or even hundreds of thousands — of perfectly usable homes burned to their very foundations. Masons, carpenters, roofers, and appliance makers would all suddenly be reemployed to the hilt. The American housing stock would be made more energy efficient, aesthetically pleasing — and more \"eco-friendly,\" to boot.\nThere’s no reason to stop with just the housing sector, though, when the clothing retailers are struggling mightily. Mr. Obama could simply pass a similar law to encourage people to go into debt buying a brand new wardrobe at the GAP (or a more \"eco-friendly\" retailer, to save the Earth at the same time), and then round up the shoppers’ old wardrobes and sink them to the bottom of the ocean.\nJust think how much better off we would be if Mr. Obama could manage to destroy half of the supply of cars in the U.S., half of the supply of homes in the U.S., and half the supply of clothing in the U.S. It boggles the mind to think how rich we would be.\nFor the time being, we will just have to content ourselves with Mr. Obama melting down half of our cars.", "label": "Yes"}
{"text": "Afford definition is – to manage to bear without serious detriment. How to use afford in a sentence. Synonym Discussion of afford.\nKnowing how much you can afford is essential. A simple rule of thumb is you shouldn’t spend more than 1/3 of your after tax salary on rent. As an example, your annual salary is 50K that leaves you with $4,166/month. After taxes, you should have around $3,270. One third of 3270 is about $980, and that’s what your monthly rent should be on 50K a year.\nIncome is one of the factors that will determine who how much of an FHA loan you can qualify for – and for obvious reasons. But it’s not the only factor. The total amount of debt you carry will also play a big role. In fact, mortgage lenders consider these two things together, using a formula known as the debt-to-income ratio, or DTI.\nAmount Of Home Loan Based On Salary How Much House Can I Afford – Home Affordability. – Zillow – Zillow’s home affordability calculator will help you determine how much house you can afford by analyzing your income, debt, and the current mortgage rates.\nFive simple calculations that can tell you in seconds how much house you can afford. Included are a few places to refinance or find a great mortgage rate.\n· Debt and Expenses – When answering the question, “How much house can we afford?”, it is important to consider all of your other monthly obligations. In your budget, make sure to include credit cards, car payments, student loans, groceries, utilities, and insurance.\ncan we afford to buy a $300,000 house if our monthly income is just 00? find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.\nFifty-four years after Medicare and Medicaid were established, our nation is rapidly approaching a crossroads in how we.\nA quintessential sign of spring is a busy bee happily buzzing from blossom to blossom. While spring is now in full swing across Canada, the presence of those dependable pollinators is becoming more.\nI recently had the pleasure of visiting Iowa’s congressional offices in Washington, D.C. as part of moms clean air force’s annual Play-In for Climate Action, to discuss the importance of acting on.\n· You can save your baby for $2 million. Can you afford to do this? If you cannot, should we all pay? Spinal muscular atrophy (SMA) is a rare genetic disease affecting the part of the nervous system that controls voluntary muscle movement.\nHow Much Can I Mortgage If you have a mortgage that has a high interest rate, or a variable interest rate that could get much higher, it can be a good idea to pay down the loan faster (or to refinance). Another common.", "label": "Yes"}
{"text": "The company says that the move is an attempt to expand its perfumeries business, which it sees as having stronger growth prospects and “attractive opportunities” compared to other retail sections.\nIn the long run, Douglas aims to strengthen its position to gain a leading market position in all major European countries.\nAccording to Bloomberg, Nocibe has a market value of about €500m, whilst Douglas had total sales of around €680m Euros in 2012.\nThe combined companies would be the second largest perfumer in France, behind market leader Sephora, which produced almost €2bn revenue in 2012.\nGrowing European perfuming\nThe perfumery division is a major focus of Douglas’ strategy, with the company planning to invest as much as €500m growth capital in improving the division according to a statement released in June.\nPerfume was noted as being the company’s most profitable division by Dr Kreke, CEO of Douglas, who also acknowledged the company’s expertise and strong branding in this area.\nDouglas also made a commitment to re-branding itself through expansion, building the franchise through targeted organic and external growth, as well as sophisticated trend scouting which will allow it to become involved with developing tendencies in the world of cosmetics.\nThe acquisition of Nocibe marks a significant step in the firm’s aim to re-brand itself as the “epitome of beauty” in European markets.\nIn a conference call with Bloomberg, the Douglas CEO called the acquisition: \"a big opportunity to build-up our position in the perfumery market in Europe,\" with France being a particularly important market.\nBoosting bricks-and-mortar presence\nAfter acquiring Nocibe, Douglas would have 625 store locations and around 4,000 employees the company said yesterday, marking a significant boost to its footprint.\nThe acquisition would make the firm the largest overall perfume retailer in France in terms of numbers of locations and staff.\nThe company is also planning to expand its other channels of retail, for example by investing more heavily in e-commerce.", "label": "Yes"}
{"text": "The well-known cryptocurrency analyst and trader, PlanB who is also known as the author of Bitcoin’s stock-to-flow model has come up with another statement regarding the leading digital asset Bitcoin.\nPlanB says that Bitcoin is going to be something bigger than just a digital asset. PlanB recently had a discussion with the crypto influencer named Peter McCormack and talked about the future of Bitcoin and his Bitcoin’s Stock-to-Flow model. He says that in the world of financial markets, such kinds of stock-to-flow models are already available for various assets. He believes that this model is beneficial as it helps us to understand deeply the scarce nature of Bitcoin.\nThe status of Bitcoin is much higher\nThe crypto analyst views Bitcoin differently as compared to other analysts. He thinks that Bitcoin is not a toy anymore nor it is an asset rather ‘it is going to be much bigger than that’.\n“This thing [#bitcoin] is not a toy anymore, and it’s maybe not an asset anymore as well. It is going to be much bigger than that.”\nPlanB + @PeterMcCormack podcast on Youtube:https://t.co/kHH9JzyM7w\n— PlanB (@100trillionUSD) May 2, 2020\nPlanB also talks about various stages of Bitcoin and says that Bitcoin was just a toy in its first stage and when its price value touched $1 that was its second stage. In the third stage, bitcoin saw a huge rise in its mass adoption and price value. According to PlanB, it is now going to enter into its fourth historical stage and the status of Bitcoin is much higher on the brink of this stage.\nThe top-notch crypto analyst considers Bitcoin a financial instrument in the current financial world. It will not be surprising for the crypto analyst if a nation or country uses the leading digital asset for the purpose of cross-border settlements in the future. The concepts of e-cash or e-Gold are very far behind Bitcoin.\nDuring his discussion, he also highlighted the importance of his Bitcoin’s Stock-to-flow model, and a host of research has been done to check the accuracy of his model he said. Recently, a prominent economist Alex Kruger shed a light on this model and said that it is as reliable as moon cycles.", "label": "Yes"}
{"text": "Financial projections for the new year are abundant this time every year. This year is no different, except the predictions are much harder to make because we have such a mixed bag to analyze.\nWhile the economic fundamentals under the Trump economy are strong and stark in contrast to the sluggish recovery years of the Obama administration, threats from multiple other directions abound. Overall, this year will likely prove quite a bumpy ride, so it’s time to buckle up.\nLet’s start with the numerous positives. First, the labor market. Unemployment, at 3.7%, has reached the lowest levels in nearly fifty years with African-American and Latino unemployment the lowest on record ever. With over seven million job openings, there is more than one job opening per unemployed worker causing the tightest labor market in decades. On the GDP side, we can see the effects of President Trump’s deregulatory actions and tax reforms, as manufacturing hit a 14-year high and we have had quarterly GDP growth exceed 4%. We had the best real wage growth since 2009, and consumer confidence also hit an 18-year high, which gave us the best retail holiday season in six years – ringing in $850 billion.\nPresident Trump also had the gumption to take on America’s uneven trade deals and renegotiate them with our immediate neighbors and even call out the mammoth, China. Against this backdrop, why isn’t it all smooth sailing from here?\nWell, because the negatives – the headwinds we are facing so to speak – are also numerous.\nAfter nearly a decade of market upside, we have a very aged bull market – in fact the oldest in our history and unchartered territory is never fun. This Bull is showing its age, with the Dow down overall 5.6% in 2018, the S&P500 down 6.2%, and Nasdaq down 3.9% — and 2018’s record corporate earnings will be quite difficult to repeat.\nWe also have geopolitical risks with North Korea, Russia, Iran and Syria, among others, while we balance new trade tensions by challenging the status quo that has enabled China to become the dominating-global-industrial monstrosity it is.\nMore than all of that though, is the slow u-turn the Federal Reserve must take from nine years of cheap monetary policy. Raising/normalizing rates and deleveraging our national balance sheet at a rate of $50 billion per month changes the game, especially when Americans have been lulled into thinking easy credit terms were ours forevermore (as seen by record levels of consumer debt and student loans). A reliable tell for the last forty years of a future economic downturn…i.e. a coming recession in two years or less, is a small and closing spread between yields on the 2-year and 10-year U.S. Treasury bond. As of December 31st, that was less than 19 basis points at only .188%.\nAnd lastly, in addition to all of these issues, we presently have a federal government shutdown over domestic immigration policies, with a divided government starting this week. Can you see the storm clouds churning?\nHow it affects you\nSo, what to do with all of this? That answer depends on you and where you are in your personal investment horizon. Conventional financial advisors will tell you that investing is for the long term, that the market is cyclical and even if it goes down, it will come back up again. They will also say that attempting to time the market is next to impossible – if you get out too early, you will miss out on upside. If you don’t get back in soon enough, you will overpay by buying back in late. The concept of dollar-cost averaging was made popular as the antithesis of market timing.\nI agree with SOME of this conventional wisdom, but I believe math trumps here. The truth is, if we had a crystal ball, it would ALWAYS be better to avoid a loss, especially when you are 10 years or less from retirement. When you are that close to retirement, we need the time left to grow what you have, not simply recover it.\nIt took over four years for the S&P 500 to recapture its pre-Great Recession level – over four years on the hamster wheel – thus the reason Warren Buffet’s Rule No. 1 is to “Never Lose Money,” and his 2nd rule is never to forget rule No. 1.\nIf you are close to retirement, assuming you have built enough to retire on, safety is more important than growth. A move towards a higher cash/cash equivalent balance as a percent of the total, along with a shift to a goal of safety through interest and dividend paying holdings instead of capital appreciation, could be a strategic move.\nFor those with a 401(k), this is an excellent time to consider leveraging a smaller balance from market losses for Roth conversions, especially under our now more welcoming lower tax brackets. Overall, even with our strong fundamentals, you should probably level set your 2019 expectations for rough seas ahead…\nMs. Walser’s article was featured on Foxbusiness.com – you can view it here: Retirement strategies for 2019: Buckle up for bumpy ride", "label": "Yes"}
{"text": "The State Secretariat for Migration (SEM) has published its new Immigration Statistics 2018 report on Friday. According to the fresh statistics, the net immigration (that is, the number of people entering minus the number of people leaving) in Switzerland for EU and EFTA nationals was 33,088 last year. In fact, the 2018 figure is also only half the record number of 60,957 – the highest since the Swiss–EU bilateral agreement on the free movement of persons (AFMP) came into force.\nThe Swiss government has coped with a crisis of migration in 2014 and 2015 when the conservative Swiss People’s Party’s “against mass immigration” initiative called for quotas on EU nationals entering Switzerland. Such a decision was also backed by voters in a referendum. As a result, in 2018, there was just 90 people more (or 0.3percent higher) than in 2017 when net immigration was 30,799.\n2018 migration: SEM recorded a politically significant figure\nThe Swiss government went into crisis mode and quickly worked to limit the impact of the referendum which seriously threatened already fraught Swiss–EU relations. The Swiss parliament finally passing a much watered-down version of the immigration initiative in 2016.\nThe relatively low net immigration figure for 2018 comes in the midst of a long-running debate over immigration in Switzerland. The conservative SVP’s has been trying for years to push through initiatives to counteract the impact of the AFMP and ensure Switzerland has the final say on the number of immigrants entering the country.", "label": "Yes"}
{"text": "Marin Software Director Buys $9,060 in Stock (MRIN)\nMarin Software (NASDAQ:MRIN) Director Paul R. Auvil III bought 1,200 shares of the company’s stock on the open market in a transaction that occurred on Friday, August 15th. The shares were purchased at an average cost of $7.55 per share, with a total value of $9,060.00. Following the completion of the purchase, the director now directly owns 21,750 shares in the company, valued at approximately $164,213. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link.\nShares of Marin Software (NASDAQ:MRIN) traded down 0.13% on Friday, hitting $7.58. The stock had a trading volume of 354,875 shares. Marin Software has a 1-year low of $7.30 and a 1-year high of $14.37. The stock has a 50-day moving average of $9.56 and a 200-day moving average of $10.17. The company’s market cap is $263.8 million.\nMarin Software (NASDAQ:MRIN) last issued its quarterly earnings data on Wednesday, August 6th. The company reported ($0.22) earnings per share (EPS) for the quarter, beating the consensus estimate of ($0.27) by $0.05. The company had revenue of $23.90 million for the quarter, compared to the consensus estimate of $23.17 million. During the same quarter in the previous year, the company posted ($0.26) earnings per share. The company’s revenue for the quarter was up 31.3% on a year-over-year basis. On average, analysts predict that Marin Software will post $-0.86 earnings per share for the current fiscal year.\nSeveral analysts have recently commented on the stock. Analysts at Goldman Sachs downgraded shares of Marin Software from a “buy” rating to a “neutral” rating in a research note on Wednesday. They now have a $9.00 price target on the stock, down previously from $13.00. Separately, analysts at Stifel Nicolaus cut their price target on shares of Marin Software from $16.00 to $14.00 in a research note on Thursday, August 7th. They now have a “buy” rating on the stock. Finally, analysts at TheStreet upgraded shares of Marin Software from a “sell” rating to a “hold” rating in a research note on Thursday, June 19th.\nMarin Software Incorporated provides cloud-based digital advertising management platform to advertisers and agencies.\nGet Analysts' Upgrades and Downgrades via Email - Stay on top of analysts' coverage with Analyst Ratings Network's FREE daily email newsletter that provides a concise list of analysts' upgrades and downgrades. Click here to register now.", "label": "Yes"}
{"text": "The independent retailer lives on\nThrough a special arrangement, what follows is a summary of an article from Retail Paradox, RSR Research’s weekly analysis on emerging issues facing retailers, presented here for discussion.\nOne undercurrent I felt very strongly at the recent Internet Retailer Conference and Exhibition (IRCE) in Chicago was the presence and predicament of the small, independent retailer.\nSure, some of the technology providers there could scale up to tier one and tier two proportions, but a notable focus was on the small retailer as well — rightfully, and necessarily so. While technology has changed and evolved, the independent retailer — even without storefronts — still works far more than the 40-hour week (or even 50-hour week) of his larger brethren.\nAs the daughter of an independent retailer, I saw my father get postcards pre-printed when he’d run a sale. He would address them by hand and I would fill in the zip code on the front. We’d mail them to all his existing customers, whose names he gathered by hand from sales receipts. Today, all kinds of e-mail programs can send targeted (and all-too-often untargeted) e-mails with the offer of the day. If you buy online, the retailer automatically gets your name, address and e-mail. Challenges now are more about having a single customer list for all the channels where business is conducted.\nWhile my father would also run small ROP (run of paper) ads in local newspapers from time-to-time in hopes of attracting new shoppers, the independent internet retailer focuses on search engine optimization (SEO). I have a client who built a business from zero to a $300,000/year run rate in eighteen months by spending 70-80 hours a week working on Search Engine Optimization (SEO). That’s right, 70-80 hours of his own time to go along with the money he spent on SEO providers.\nThe long and the short of it is that the independent retailer still works really, really hard. Sure, some challenges have been solved by technology. But those same technologies create shiny new challenges that require hours of work, thought and effort. I, for one, appreciate their efforts and make every attempt I can to support them whenever possible. I hope you will too!\nDISCUSSION QUESTIONS: How have you seen independents take advantage of retail technology to undercut the advantages of their larger chain rivals? What other advantages do independents have that big chains fail to match, even with technology?", "label": "Yes"}
{"text": "According to the rebranding plan of ITAM Games, this project will convert from ITAM token to ITAMCUBE token with a new smart contract address.\nIn response to the transition, ONUS has closed On-chain sending transactions for ITAM. Now, the conversion is complete. The entire amount of ITAM tokens you store on the ONUS app is automatically converted to ITAMCUBE tokens at a ratio of 1:1.\nStarting from 4:00 UTC, November 8, ONUS has reopened On-chain transactions for ITAMCUBE.\n- Receive On-chain: Before 5:00 UTC March 29, 2022, you can deposit ITAM or ITAMCUBE into ONUS application and this amount will automatically be converted to ITAMCUBE. After 5:00 UTC March 29, 2022, ONUS stops supporting ITAM, only supports transactions with ITAMCUBE.\n- Send On-chain: All ITAMCUBE assets stored on ONUS are tokens under the new smart contract. You need to be careful when sending On-chain.\nAbout ITAM Games and the ITAM token\nITAM Games is a blockchain platform born to support blockchain game developers. The ITAM Games ecosystem provides methods and tools that allow games to be easily integrated with blockchain technology. ITAM is a token operating in the ITAM Games platform and is used to exchange, buy and sell in ITAM Store and ITAM NFTs, pay fees for services provided by ITAM, and as a means of intermediary for other trading activities (leasing, staking, etc.).", "label": "Yes"}
{"text": "\"The Senate Appropriations Committee also adopted amendments to the legislation Thursday that would extend a waiver from the whole-grains requirements for school meals and force USDA to delay the end of an import ban on beef from Brazil and Argentina,\" Brasher writes. \"Both the whole-grains waiver and the beef-import measure are also contained in the House version of the fiscal 2016 spending measure. The extension of the ban on horse slaughter and biotech salmon labeling requirement are not in the House bill. The Senate committee approved both provisions without a roll-call vote.\"\nLast year the House included a ban on horse slaughter and Congress passed it. This month a motion in the Appropriations Committee to extend the ban failed on a 24-24 vote.", "label": "Yes"}
{"text": "Officials in the city of Aurora, Colorado say they will be directing some of the tax revenue from recreational marijuana toward programs designed to help the homeless.\nIn all about $1.5 million in revenues will be used for homeless programs, including some money to local groups to buy vans for homeless outreach as well as $200,000 to a nonprofit organization that assists homeless people living in hotels.\nIn addition to the $1.5 million to the homeless, another $680,000 is going to various non-profits in the city.\n“We wanted to be able to show citizens that we are having a positive impact on the community and point to specific projects or initiatives to where that money is going to,” said Bob Roth, an Aurora city councilman.\nWhile I’m not a fan of marijuana being taxed in the first place, it’s going to be and stories like this are great publicity for cannabis legalization. Now when people see some sort of legalization measure on the ballot they may think back to hearing about pot tax revenue being used to help homeless people. This leads to more legalization and more tax revenue.\nThe unfortunate fact is that there are not enough regular cannabis users in the U.S. to even come close to passing a ballot measure in any state. We need the people who don’t use cannabis but are swayed by something like tax revenue; the soccer moms and the hockey dads, the people who know weed isn’t going to destroy their children’s lives (unless they get caught with it) and who are looking for reasons to vote in favor of legalization.\nOf course taxes need to be kept low to keep prices down and undercut the black market, but their existence can be used to our advantage.", "label": "Yes"}
{"text": "Our Hot Dip Galvanized Hex Nut, Cushion Hanger Assemblies, Antenna Mounting Bracket Free Sample has been sold nationwide and exported to the world, enjoying a high reputation in the industry for its superior performance. We have people who embrace tomorrow, have vision, love stretching their minds and going far beyond what they thought was achievable. Our goal is to delight you with our distinctive collection of mindful products while providing value and excellent service. We believe that advanced technology is the foundation of enterprise development, and conscientious and responsible employees are the conditions for enterprise progress.\nVertical cable clamps are used for fixing cable and fiber opticals of various dimensions.\nEXW, FOB, C&F, CIF\nT/T, L/C, Negotiable\n300000 pieces per month\nBy sea, by air\nPlastic bag, Carton, Pallet\nWe have many years of R&D and manufacturing experience in the field of Split Pipe Clamp (M8+M10) Pipe Clamp, and can improve the most cost-effective products for you. Since its inception, our company has been highly praised. The product quality is stable and reliable and the price is affordable and the delivery is fast. It is exported to foreign countries for sale. Our company brings together the top talents in the industry and builds a dynamic enterprise full of innovation.", "label": "Yes"}
{"text": "DEAR NICK: If it were me, I'd take the state job. I know that any kind of situation with six figures attached to it looks and sounds wonderful, but in my mind we're talking about a career choice versus risk. Plus, I'm a firm believer in the idea that people make better decisions when they think in terms of 10 years from now rather than 10 or 12 months down the road.\nIn addition to the risk factor, the biggest problem with the offer in Afghanistan is that once it's over, it's over. Then you're right back where you are now. You may have money in your bank account, but you're unemployed all over again.\nYou know, one of the things I've noticed over the years is when wealthy people assess a financial opportunity, they almost always think in five-, 10- and 20-year blocks of time. We're talking long-term here. There's not a whiff of living paycheck to paycheck.\nTake the state job and fashion a good, long-lasting career for yourself. Don't go chasing money on the short term!\nEmail questions for Dave Ramsey to firstname.lastname@example.org.", "label": "Yes"}
{"text": "A new report from Morgan Stanley Dean Witter declares that with the B2B infrastructure up and running, technology can now be viewed as a way of doing business, rather than a cost.\nEchoing earlier reports, “The B2B Internet Report — Collaborative Commerce” says that companies will use centralized online markets to create “e-hubs” to synchronize operations with suppliers and customers and to lower procurement costs.\nNew Processes Solve Long-Standing Problems\n“Moving business commerce online can make significant progress toward solving the three problems facing most companies: geography fragmentation, inefficient labor and information interactions, and supply chains bloated with excess inventory,” said Chuck Phillips, Managing Director and Internet Software/B2B analyst.\nHe added, “Though we expect that market efficiency resulting from B2B e-commerce will provide buyers and sellers with unprecedented levels of market transparency via online exchanges, we also want to address the many potential pitfalls in this highly competitive sector.”\nE-Commerce Creates Specialists\nOne of the biggest benefits of e-commerce, according to the report, is that it is transparent, meaning that everyone can see what everyone else is doing. Buyers can easily compare between companies to find out if they are getting the best price, the best availability, and the best product. It also means that buyers will no longer have to rely on local suppliers, because they can search nationally to find the items they need.\nThis transparency means that as suppliers search for more buyers and square off against national and global competitors, they will become more specialized to gain a competitive advantage. The report predicts that this specialization will lead to more customization, more choice, and better service.\nMore Uniform Pricing\nThe report predicts that the B2B e-commerce will translate into more market transparency, which means customers can expect more uniform — although not necessarily lower — prices. “All things can be measured, once online,” the report says. “Everyone gets marked to market — every day. This digital audit trail means suppliers can’t rely on the unknowledgeable buyer to prop up margins and will have to more carefully target customers who value their products and services.”\nAlthough more uniform pricing will be the order of the day, the report predicts that suppliers may actually end up getting more money for their products and services because the Internet will greatly increase the number of buyers interested in what they have to sell.\nExchanges Must Benefit Both Buyers and Sellers\nThings are not all rosy in the dot-com world. The report predicts that some eMarketplaces will be in for a rocky road unless they change their mindset. In particular, Morgan Stanley Dean Witter predicts that industry sponsored exchanges that benefit only one side will “likely hit a brick wall of resistance.”\nThe report says that these B2B exchanges will not work unless both buyers and sellers see value in joining the exchange. One suggestion is to offer equity. For example, a buyer-driven exchange, might offer equity to key suppliers to persuade them to join.\nWeak Middleman Eliminated\nAlthough some analysts have predicted that all middlemen will be eliminated as buyers and sellers connect directly, the report predicts that only weak middlemen who add no value to the exchange will go.\nSome of the value added can come from handling procurement from multiple sources, fixing snafus, and aggregating smaller orders to get better prices.\nThe Morgan Stanley Dean Witter report cautions that despite the changes wrought by technological advances, e-commerce should be viewed as “an important tool that can be used wisely or unwisely.\nAfter all, according to the report, “At the end of the day, e-businesses is just business.”", "label": "Yes"}
{"text": "The freight industry is complex, to say the least. There are layers of liability and many different types of insurance to cover the risk. Carrier liability insurance is a prominent form of insurance that the carrier holds to cover loads based on company policies and the qualities of each specific load. The insurance does not typically cover the total value of the freight, and coverage is only possible if the incident was the carrier’s fault. Thus it does not cover all types of risk to the freight. The best practice for shippers is to secure more extensive insurance coverage, especially for valuable or fragile goods. Then if something goes awry, a shipper can file a freight claim and receive compensation for stolen, lost, or damaged goods. This form of insurance coverage is called freight insurance. In this guide, we answer the commonly asked question, “What is freight insurance?”\nFreight Insurance, Defined\nFreight insurance, also known as cargo insurance, goods-in-transit insurance, or shipping insurance, is an insurance policy held by a shipper to protect the entire value of the freight from many circumstances. The coverage pertains to natural disasters, theft, loading and unloading errors, infestation, abandonment, fraud, and more.\nWhy is freight insurance essential?\nFreight insurance is essential because accidents and disasters can and do happen. Shippers must protect against the unexpected, whether it may be an act of nature, cargo theft, fraud, or something else entirely. While carriers do have insurance for the load, the coverage is limited. Furthermore, freight insurance plays a vital role in the supply chain by compensating and protecting businesses that suffer from lost, stolen, or damaged freight.\nDifferent Types of Freight Insurance\nFreight insurance generally falls into two main categories:\n- Land cargo insurance provides coverage for goods moved over the road and typically only applies to domestic shipping.\n- Marine cargo insurance protects goods shipped via air or water. It applies to international shipping and is crucial because shipping internationally is more complex than moving freight domestically.\nDifferent Types of Freight Coverage\nThere are several different types of freight coverage to ensure the investment in your load is protected:\nAll Risk Policy\nAn all risk policy, sometimes referred to as Type A insurance, protects against external risks. It compensates for damages to freight caused by natural disasters, negligence, poor packaging, customs rejection, abandonment, loss of use or market, geopolitical events, failure to pay or collect, and more. It is designed for approved or general goods.\nNamed Perils Policy\nA named perils policy, sometimes referred to as free of particular average, is most known for protection at sea against damage caused by the ship. Covered damages include collision, sinking, derailment, non-delivery, weather, fire, and theft. Named perils policy also covers land perils that are also beyond human control, like earthquakes and weather events. It is commonly taken out for used merchandise, waste materials, and bulk cargo.\nThe warehouse-to-warehouse policy is standard in the business-to-business (B2B) supply chain. It protects goods as they travel from the cargo ship to the warehouse.\nA contingent policy is a coverage plan held by freight brokers to compensate for a claim if an issue arises in transit and the carrier refuses to pay.\nDuty insurance eliminates duty and tax requirements for goods partially damaged in transit. While lost goods do not incur tax, the duty on damaged goods can be significant. The insurance is usually around one-third of the cargo insurance rate and offers essential coverage for international loads.\nGeneral Average Policy\nA general average policy is less common than the other policies described here, but it is important to mention due to its unique structure. The policy establishes shared responsibility for damaged cargo between all stakeholders involved in the shipment.\nPartner with a Quality Logistics Provider\nThe best way to avoid freight headaches is to work with a trusted logistics provider. First Star Logistics is a unique asset-based global brokerage company with over 60 years of experience. We take great pride in meeting the needs of our customers, carriers, brokers, and agents. For our customers, we understand that efficiency, safety, and reliability are crucial. We use fast, cutting-edge technology to ensure a satisfactory experience with our specialized shipping services. We support our carriers with the technology, management, resources, and support they need to ensure safe, on-time delivery for shipments. We provide our agents and brokers with a dedicated management team and proprietary software that empowers our employees to succeed.\nTo work with First Star Logistics, contact us today!", "label": "Yes"}
{"text": "CreditMantri Finserve Private Limited\nDoor No.3, Block B, No. 147, Workeasy Space Solutions, RK Swamy Centre, Hansa Building, Pathari Road,Thousand Lights, Chennai, Tamil Nadu600006\nHave any queries? Click here for more details\nAll written queries will be responded within 1 working day.\nWe'd love to help you through every step along the way.\nLakshmi Vilas Bank offers car loans up to 60% to 85% of the on-road price of the vehicle. The car loan repayment tenure ranges from 36 to 72 months. Quick processing of loans and minimal documentation make car loans from Lakshmi Vilas Bank, the right choice.\nCurrently not available! for similar products\nThinking of buying a new car without using your savings? A car loan is the best idea to fulfil your dream. car loan have been a saviour to common people who want to own a vehicle of their own. With an affordable interest rate and ample repayment period, one can buy a vehicle irrelevant to the make and model.\nLakshmi Vilas Bank offers car loans up to a certain percentage of the price of the car. This makes the customer relieved from taking any other financial liabilities. Lakshmi Vilas Bank Car Loan can be used to buy pre-owned cars as well.\nThe features of Lakshmi Vilas Bank Car Loan are as below.\nLoan Coverage: If the customer opts for Lakshmi Vilas Bank Car Loan, they can avail up to 85% of the vehicle price as per the invoice or 25 times net monthly income as the loan amount. However, the maximum loan amount the bank can offer is Rs 25 lakhs for a new vehicle. For used cars, the bank can offer up to 60 % of the vehicle cost which will not exceed Rs. 10 lakhs.\nRepayment Period: Lakshmi Vilas Bank Car Loan offers the repayment period of 72 months for any new vehicle loan and for used vehicles, the bank allows 36 months.\nQuick Processing: The car loan from Dhanlaxmi Bank can get processed quickly if the customer submits all the documents required for the sanction of the loan.\nSecurity: For the security of the loan issued, the bank will require the hypothecation of the vehicle purchased.\nGuarantee:: The bank requires a guarantee from the owner of the collateral security. If not, the bank would need a personal guarantee from a third party with a suitable income.\nMinimum Documentation: Lakshmi Vilas Bank Car Loan procedure need minimum documentation for the sanctioning of the loan.\nThe interest rate of loans used in the purchase of a new car is One-year MCLR + 0.35%. For a used car, the interest rate is One-year MCLR + 3.10%. The other charges are applicable for both new cars and used cars.\nThe customer will have to submit the below documentation to apply for a car loan.\nIf you want to apply for a car loan, then you can apply it online through the official website of Lakshmi Vilas Bank. When you go to the official website of the bank, you will see the loan section and there you can find the tab which says ‘Apply Online’. All you have to do is just to upload the relevant documents required. Once you upload the documents, the bank will verify the same and revert if they need more documents. If the bank is satisfied with the verification, then they will proceed to sanction the car loan.\nIf you do not want to apply for a car loan online, then you can also apply by visiting one of the nearby branches. If you are an existing customer, then it will be easy for the bank to do the verification as your details are already in the bank’s database. If you are a new customer, then the bank might take a day or two for the loan verification.\n1. What do you mean by the hypothecation of assets under Lakshmi Vilas Bank Car Loan?\nHypothecation means that the customer is pledging the asset purchased out of the loan as collateral security. For a car loan, the bank needs collateral security in the form of hypothecation of the vehicle purchased using the loan.\n2. Is there any restriction in buying a used car using Lakshmi Vilas Bank Car Loan?\nThe used car must be in good working condition and should not be more than four years old from its first registration date.\n3. What if my income alone is not eligible for getting Lakshmi Vilas Bank Car Loan?\nThe bank allows you to add your respective spouse’s income as a part of net income. However, this is subject to the verification of sources.\n4. What is the maximum loan amount provided by the bank?\nFor new cars, the maximum loan amount is Rs. 25 lakhs and for used cars, its Rs. 10 lakhs.\n5.What is repayment mode allowed for Lakshmi Vilas Bank Car Loan?\nThe repayment mode allowed for Lakshmi Vilas Bank Car Loan is via EMI.", "label": "Yes"}
{"text": "I am sure you are wondering about what it takes to repair your credit and improve your FICO score. Well, you have indeed come to the right place. Credit card debt repair is by no means a simple process, but certainly a feasible one if you go about it the right way. By following these simple steps, you will be well on your way to improving your financial situation.\nThe first step of credit card debt repair is to assess the situation. To do this, you must run your credit report and see exactly what is going on. Are your accounts behind or are they current? If they are behind, you are in a perfect situation to negotiate on the balances and settle for less than what you actually owe. But if you are current, the creditors will be unwilling to settle for less. In this case, it might be a good idea to stop making payments to them. If you have a low FICO score already, it doesn’t make much sense to keep making minimum payments on an unsecured debt. The idea here is to become completely debt free as soon as possible. The most affordable way to do so is by using a debt service that provides debt settlement\nDebt Settlement can be done on your own, but it would be advisable to hire a professional debt service company to handle the process for you. Most creditors and debt collection agencies are highly skilled in the art of negotiation and you may become frustrated while trying to deal with them. Good debt settlement companies generally are able to reach settlement agreements of 20-40% of what their clients originally owed. The best debt settlement companies do charge a fee, but the money they save you more than covers that.\nOnce your accounts are paid off through debt settlement, they will report on your actual credit report as 'settled in full'. The last step to credit card debt repair is to have these 'settled in full' accounts removed from your credit report entirely. Some debt settlement companies have attorneys on staff that can offer this service to you. The attorneys will work with the credit bureaus directly to have these particular accounts removed permanently. Once this is completed, your FICO score should increase dramatically.", "label": "Yes"}
{"text": "74, 74-75 (1988); David Belt, Unresolved Issues Under the Unfair Trade Practices Act\n73) By 1947, the NAIC had completed its work, resulting in the Unfair Trade Practices Act\nThe plaintiffs asserted violations of Louisiana antitrust laws and Louisiana's Unfair Trade Practices Act\nand alleged that the defendants breached their contracts and made libelous statements against them.\nIn that case, investigators informed the gas retailer of possible violations of the Unfair Trade Practices Act\n, officials said.\nSunbelt was awarded the cash under the unfair trade practices act\nand was also invited to petition the court for recovery of its legal fees.\nMitro, frustrated with Allstate's handling of the claim, filed a complaint against Allstate for breach of contract, bad faith and violations of the Unfair Trade Practices Act\n, stating that Allstate had unreasonably refused her claim and had issued neither payment nor denial of the claim.\nThe suit also charges Microsoft with violating the Connecticut Unfair Trade Practices Act\nThe complaint seeks penalties of $10,000 for each violation of Florida's Deceptive and Unfair Trade Practices Act\nand $1,000 for each violation of the state's game promotional law.\nLastly, in Alberta, one can look to the Unfair Trade Practices Act\nfor some remedy against an infortuitous renovation.\nThe ultimate outcome of this lawsuit, based on the 1937 Arkansas Unfair Trade Practices Act\n, may also affect both consumers and retailers for years.\nThe state supreme court decision reversed an October 1993 decision where the state Chancery Court found that Wal-Mart had intended to destroy competition by its pricing policies in violation of the state's Unfair Trade Practices Act", "label": "Yes"}
{"text": "French President, Emmanuel Macron has extended an invitation to his Sri Lanka counterpart Ranil Wickremesinghe to address a high-level panel discussion in Paris at the Global Leaders’ Summit for a New Global Financing Pact.\nThe event is scheduled to take place at the Palais Brongniart in Paris on June 22 and 23.\nThe Summit for a New Global Financing Pact is expected to shape a new financing ‘toolbox’ that will be rolled out through six high-level round-tables and 40 parallel events.\nThe Summit will provide the opportunity to examine interactions between multilateral development bank reform, mobilisation of private capital, climate finance, green infrastructure and solutions related to debt.\nThe Summit for New Global Financing Pact will establish the principles for future reforms and pave the way towards a more balanced financial partnership between the North and South.\nIt will set the stage for new agreements to relieve debt distress. It is also expected to enable more countries to access the financing they need to invest in sustainable development, to better protect nature and cut emissions, as well as help protect populations from climate change wherever most needed.\nNew Global Financing Pact will help define the principles and steps needed to reform the financial system and to combat the high levels of debt that tie governments’ hands when it comes to implement ambitious climate action to reduce the climate, economic and technological gaps that threaten to divide up the world.\nThis inclusive, multi-stakeholder event will bring together Heads of State and Government, leaders of international organizations, and representatives of civil society, foundations, funds and the private sector.\nDuring his stay in France, Wickremesinghe will meet with Paris Club creditors to discuss matters pertaining to Sri Lanka’s debt crisis.", "label": "Yes"}
{"text": "- The U.S. Department of Education announced Tuesday that it is distributing more than $36 billion in funding to colleges through the latest federal coronavirus rescue package.\n- The department issued a final rule, which Education Secretary Miguel Cardona told reporters on Monday will enable all students to receive the aid. The Trump administration moved to exclude certain students, including unauthorized immigrant and international students, from the first round of federal relief.\n- So far, more than $76 billion in coronavirus relief funding has been earmarked for colleges across the three major aid packages, according to the department.\nPresident Joe Biden signed the $1.9 trillion American Rescue Plan into law in March. It provides about $40 billion in direct aid to colleges and universities. Institutions must use half of that money on emergency grants for students disadvantaged by the pandemic.\nIn its announcement Tuesday, the department shared more details on how colleges could use those funds. For instance, they can consider a \"variety of factors\" when determining a students' level of need. That includes their eligibility for other federal and state aid, \"significant unexpected expenses,\" employment or income loss, and food or housing insecurity, according to documents shared with the media. Colleges can also consider the needs of students who didn't complete a Free Application for Federal Student Aid.\nThe first coronavirus relief package, passed last March, prohibited students who don't qualify for federal financial aid from emergency grants. The move earned significant pushback from across higher education, particularly because it excluded unauthorized and international students. The Trump administration somewhat walked back its position, suggesting that funding from the second major relief package, passed in December, could be distributed to all students.\nThe new final rule follows continued requests by higher ed groups for clarity on which students can receive the aid.\n\"The pandemic didn't discriminate on students,\" Cardona said. \"We want to make sure that all students have an opportunity to have access to funds to help them get back on track.\"\nThe department suggested the latest round of money can also be used for academic and mental health supports designed to help retain students. And schools can use the money to discharge students' debts accrued during the pandemic in order to help them re-enroll.\nColleges are also required to use some of the money \"to implement evidence-based practices\" to monitor and stamp out the coronavirus, the department said. That could include testing for the virus, offering vaccinations, and \"to reduce barriers to vaccination,\" such as offering staff paid time off to get the shots.\nAnd they must also use funds to inform students that they can have their financial aid awards adjusted if they or a family member loses their job.\nFor-profit colleges can only use the money to provide emergency aid grants to students.\nDuring a call with reporters Monday, Cardona emphasized the department's desire to support institutions that serve students with the greatest need.\nThe formula used to distribute the funding favors schools with high shares of federal Pell Grant recipients. It considers headcount as well as full-time equivalent enrollment, allowing colleges with high shares of part-time students, such as community colleges, to benefit.", "label": "Yes"}
{"text": "With yields at all time lows, many LBO firms are not losing the opportunity to refinance older debt from deals of yesteryear. In fact in Europe, LBO firms are taking full advantage of lenders' kindness and refinancing debt at record levels.\nAccording to Bloomberg, Europe's borrowers have issued $17 billion of speculative-grade bonds this month. That's 38% more than the previous high of $12.3 billion in January 2011. Investors are snapping up European Junk debt in droves, as the region's debt crisis subsides and central banks globally keep rates at record low levels.\nSo with rates so low, the question is, will LBO activity come back after many years in hibernation?\nWell, like you all know, an LBO group led by Michael Dell himself is preparing to take over DELL (DELL) for at least $15 a share according to a report. Dell is currently trading below that level and that leaves room for speculation on the part of investors for a quick return.\nHowever, if one looks around there are other possible deals in the making.\nAgain according to Bloomberg, Kohl's (NYSE:KSS) trades at only 0.58 times sales and at a cheaper multiple to profit than any other North American department-store chain. Edward Jones & Co said Kohl's could be an attractive buyout candidate for a private equity firm. Jeff Burchell at Aston Hill Financial seconds that and says:\nYou're not paying a lot for the stock, so it does fit the bill for someone coming. For a buyer who believes Kohl's hasn't become irrelevant, then with a new management team or an invigorated management team with a new private equity sponsor, you could get some excitement back.\nKohl's runs more than 1,100 stores across the U.S. with $19 billion in sales. Keep your eye on this one for possible LBO action, because if an LBO firm pops up somewhere, there will be a premium to be paid compared to where the stock is trading today.\nShares of Big Lots (NYSE:BIG) have been climbing lately, again on speculation that an LBO deal might be in the works. According to an analysts at MKM, the company could command an LBO price anywhere from $35 - $42 per share. The current price is about $32, which also leaves room for speculation to earn a quick return.\nMy take: With today's record low rates, I am surprised that we have not already seen a plethora of LBO deals. I am also surprised - not to say shocked - that the market has not closed the gap between the reported possible price tag for Dell and the current price of the stock. I mean Dell is the biggest LBO deal in a while and no one seems to care.\nAs for the other two stocks that I mentioned above, again the market seems to take these rumors with a yawn. That was not the case years ago, which leads me to believe that something is changing in this market. Either the market does not believe these deals are possible, or something else more groundbreaking is going on.\nIn either case, keep an eye out for LBO activity, because at today's low rates and with investor appetite for higher yield, there will be no shortage of cash available for deals, especially at today's rock bottom valuations. This also is a positive for the market as a whole, and if we see just 2-3 LBO deals going forward, that will put some spark into this market.\nPossible buyout candidates are boring companies with good cash flow and a low valuation. And in today's market, there are plenty to be found.\nDisclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.", "label": "Yes"}
{"text": "When you check a company’s price-to-earnings ratio, you’re getting a sense of how richly it’s valued, relative to its earnings. But what if there are no earnings, such as with young companies or firms in temporarily tough times? In such cases, you can focus on sales (often referred to as revenue), via the price-to-sales ratio.\nThe PSR takes the market capitalization of a company and divides it by the last 12 months’ sales. The market cap is the current value that the market is giving the company, arrived at by multiplying the current share price by the number of shares outstanding.\nImagine Global Telepathic Messaging (ticker: ESPME). Let’s say it has 10 million shares outstanding, at $10 a share, giving it a market capitalization of $100 million. If it had $200 million in sales over the last year, its PSR would be 0.50 ($100 million divided by $200 million equals 0.50).\nAssume that Global Telepathic Messaging lost money in the past year, but has a PSR of 0.50 when its peers have PSRs of 1.0 or higher. If it can turn itself around and start making money again, it’s likely to have a substantial upside relative to its competitors. (Of course, its price may be low for good reason.)\nThere are some years when many companies in an industry are not profitable. This doesn’t mean they’re all worthless and there’s no way to compare them. Just use the PSR instead of the price-to-earnings ratio. Measure how much you’d be paying for a dollar of sales instead of a dollar of earnings. Compare the PSR with sales growth, too. A high PSR isn’t necessarily bad if sales are growing rapidly.\nDespite its usefulness, though, the PSR should never be the only number you crunch. It can show you a company’s value relative to its peers, but revenues must be transformed into rising earnings to make shareholders happy. How much a company earns from its sales will eventually shape the value of the business and the stock.", "label": "Yes"}
{"text": "To get a further understanding one has to realize that there has not been a lot of new houses built in the last 5 years. All of the existing homes that come on the market are lacking in all the newer designer fixtures, materials, finishes and locations. Buyers wanting homes with the newer features are having a hard time finding homes and will not accept nothing less.\nThe result is existing home sellers are needing to \"update\" their homes pushing the price point higher to where it is easy for the new home builder to compete with existing homes. So these builders can offer buyers with all the components of a new home for less than the totally updated existing home.\nYou are right about PHM is in position to capitalize on this market situation and will see demand increasing.", "label": "Yes"}
{"text": "In this guide you will learn how to estimate a simple regression model in IBM® SPSS® Statistics software (SPSS) using a practical example to illustrate the process. You will find links to the example dataset and you are encouraged to replicate this example. An additional practice example is suggested at the end of this guide. The example assumes you have already opened the data file in SPSS.\nSimple regression expresses a dependent, or response, variable as a linear function of an independent variable. This requires estimating an intercept (often called a constant) and a slope that describes the expected value of the dependent variable at any particular value of the independent variable. Most attention is typically focused on the slope estimate because it captures the relationship between the dependent and independent variables. The dependent variable should be continuous. This example will focus on using an independent variable that is also continuous, though the model can also accommodate a categorical independent variable (see Regression with Dummy Variables).\nThis example uses two variables from the 2012 U.S. Statistical Abstracts, both of which were actually measured in 2007:\nThe poverty rate variable has a mean of 12.67, a standard deviation of 3.12, a minimum value of 7.1 and a maximum value of 20.6. The infant mortality variable has a mean of 7.07, a standard deviation of 1.50, a minimum value of 4.8 and a maximum value of 13.1. Both variables are continuous measures, making them appropriate for simple regression.\nWhen conducting a simple regression, it is often wise to examine each variable in isolation first. We start by presenting histograms of infant mortality and poverty rates across the states. This is done in SPSS by selecting from the menu:\nAnalyze → Descriptive Statistics → Explore\nIn the Explore dialog box that opens, move the infant mortality and poverty rate variables into the Dependent List: box. On the right-hand side of the Explore dialog box, click the “Plots” button. This opens another dialog box where you can select the plots you want to produce. For this example, just check “Histogram” under the Descriptive heading. Then click Continue and OK to perform the analysis.\nScreenshots for the procedure to produce histograms in SPSS are available in the How-to Guides for the Dispersion of a Continuous Variable topic.\nTo estimate a simple regression model in SPSS, select from the menu:\nAnalyze → Regression → Linear\nIn the Linear Regression dialog box that opens, move the infant mortality variable (infantmort) into the Dependent: window and move the poverty rate variable (poverty) into the Independent(s): window.\nFigure 1 shows what this looks like in SPSS.\nOnce you are done, click OK to perform the analysis.\nFigure 2 shows that the majority of values for infant mortality clustered near the mean of about 7. However, the distribution does have a slight positive skew, meaning there are a few more extreme values above the mean that below it. Further diagnostics might be warranted to make sure those observations are not unduly influencing the results of the regression.\nFigure 3 shows that the values for state poverty rates cluster somewhat near its mean of about 12.7. There is a slight positive skew, but there are also a fair number of observations below the mean as well. Further diagnostics might be warranted to make sure the few observations with larger values are not unduly influencing the results of the regression.\nFigure 4 presents four tables of results that are produced by the simple linear regression procedure in SPSS. The fourth table, outlined in red, includes the results of primary interest.\nThe first three tables in Figure 4 report the independent variable(s) entered into the model, some summary fit statistics for the regression model, and an analysis of variance for the model as a whole. While detailed examination of these tables is beyond the scope of this example, we note in the second table that R-Square measures the proportion of the variance in the dependent variable explained by the model, which in this case consists of a single independent variable. An R-Square of 0.289 means that almost 29 percent of the variance in the infant mortality rate across the states is accounted for by the poverty rate.\nThe fourth table in Figure 4, outlined in red, presents the estimates of the intercept, or constant, and the slope coefficient. The results report an estimate of the intercept (or constant) as equal to approximately 3.78. The constant of a simple regression model can be interpreted as the average expected value of the dependent variable when the independent variable equals zero. In this case, our independent variable, poverty, can never be zero, so the constant by itself does not tell us much. Researchers do not often base predictions on the intercept, so it often receives little attention.\nThe fourth table 4 reports that the estimated value for the slope coefficient linking state poverty rate to state infant mortality rate is estimated to be approximately 0.26. This represents the average marginal effect of the poverty rate on the infant mortality rate, and can be interpreted as the expected change on average in the dependent variable for a one-unit increase in the independent variable. For this example, this means that every increase of one percentage point in a state’s population that is living in poverty is associated with an average increase in the number of infant deaths per 1000 births of 0.26. The table also reports that this estimate is statistically significantly different from zero. This leads us to reject the null hypothesis and conclude that there does appear to be a positive relationship between poverty rates and infant mortality across the U.S. states.\nThere are multiple diagnostic tests researchers might perform following the estimation of a simple regression model to evaluate whether the model appears to violate any of the OLS assumptions or whether there are other kinds of problem such as particularly influential cases. Describing all of these diagnostic tests is well beyond the scope of this example.\nDownload this sample dataset and see if you can replicate these results. Then repeat the analysis, this time replacing the infant mortality variable with the variable named fsperrecip, which measures how much a state spent on food stamps per recipient in 2007.\nIBM® SPSS® Statistics software (SPSS) screenshots Republished Courtesy of International Business Machines Corporation, © International Business Machines Corporation. SPSS Inc. was acquired by IBM in October, 2009. IBM, the IBM logo, ibm.com, and SPSS are trademarks or registered trademarks of International Business Machines Corporation, registered in many jurisdictions worldwide. Other product and service names might be trademarks of IBM or other companies. A current list of IBM trademarks is available on the Web at “IBM Copyright and trademark information” at http://www.ibm.com/legal/copytrade.shtml.", "label": "Yes"}
{"text": "ParkX Launches First Private Branded Label in Texas\nPark CC app lets motorists ditch their coins and their tickets\nMobile payment platform ParkX has teamed up with parking technology integrators Duncan Solutions and Brazos Technology to provide a mobile payment application that gives motorists an easy way to pay for parking in Corpus Christi. The Park CC mobile app was launched Wednesday on the city’s 1163 parking meters.\nThe new app allows motorists to pay for any parking meter within the city directly through their smartphone. Furthermore, the Park CC app will automatically send a message reminder five minutes before their parking session expires. The alert will allow the motorist to remotely add time, thereby reducing the likelihood of receiving a citation.\n“We wanted to give our customers the ability to receive a message before their meter expired and a fair opportunity to avoid citations,” said Parking Control Supervisor Marc Denson. “Having the pay-by-cell option will accomplish that while also making parking available to more people.”\nLocal shops and restaurants will be one of the primary beneficiaries of the Park CC application. Not only are patrons likely to stay longer; but local businesses will have the opportunity to advertise to subscribers via location-based offers through the app. Merchants will also be able to offer their customers validation for parking by depositing coupon codes into their Park CC account.\nThe new effort reflects a commitment made by Denson in July 2012 to expand payment opportunities and reduce citations. The ability to park using a credit card is something that has been desired in Corpus Christi for years, but not something that was ever financially feasible.\nSwitching out the remaining 863 coin-only meters to credit card machines would have cost well over $600,000. The new Park CC app will now give all of those meters credit card capability at virtually no cost. The efficiency is something Denson believes will have a ripple effect on the greater community.\n“Pay-by-cell will open up man power by reducing citations – allowing police officers to get back into the community to improve quality of life issues,” Denson adds. “We’re improving our community by bringing in new technology that’s cost-efficient, convenient, and optional.”\nFor those who prefer traditional methods, the coin option still exists. Using the Park CC app will cost motorists a 35 cent convenience fee but as Denson puts it, “The real value comes with the reminder to avoid citations. 35 cents can save you 35 dollars (the cost of an average citation). It’s a no-brainer.”\nPark CC is free to download in both the Apple Store and Google Play Store. More information about ParkX and the ParkCC private label can be found by visiting www.getparkx.com/corpuschristi/ or by emailing firstname.lastname@example.org.", "label": "Yes"}
{"text": "🇶🇦 Doha (الدوحة) is the capital and most populous city of Qatar. The city is located on the coast of the Persian Gulf in the east of the country. It is Qatar's fastest growing city, with over 80% of the nation's population living in Doha or its surrounding suburbs, and it is the political and economic centre of the country.\nDoha was founded in the 1820s as an offshoot of Al Bidda. It was officially declared as the country's capital in 1971, when Qatar gained independence from being a British protectorate. Doha is the commercial capital of Qatar and one of the emergent financial centres in the Middle East. Doha accommodates Education City, an area devoted to research and education, and Hamad Medical City, an administrative area of medical care. It also includes Doha Sports City, or Aspire Zone, an international sports destination that includes Khalifa International Stadium, a stadium for the 2022 FIFA World Cup; Hamad Aquatic Centre; and the Aspire Dome.\nThe city was host to the first ministerial-level meeting of the Doha Development Round of World Trade Organization negotiations. It was also selected as host city of a number of sporting events, including the 2006 Asian Games, the 2011 Pan Arab Games and most of the games at the 2011 AFC Asian Cup. In December 2011, the World Petroleum Council held the 20th World Petroleum Conference in Doha. Additionally, the city hosted the 2012 UNFCCC Climate Negotiations and is set to host the 2022 FIFA World Cup. The city also hosted the 140th Inter-Parliamentary Union Assembly in April 2019.\nEconomy Doha is the economic centre of Qatar. The city is the headquarters of numerous domestic and international organisations, including the country's largest oil and gas companies, Qatar Petroleum, Qatargas and RasGas. Doha's economy is built primarily on the revenue the country has made from its oil and natural gas industries. Doha was included in Fortune's 15 best new cities for business in 2011. West Bay serves as the commercial district of Doha and houses offices of many local and global companies.\nBeginning in the late 20th century, the government launched numerous initiatives to diversify the country's economy in order to decrease its dependence on oil and gas resources. Doha International Airport was constructed in a bid to solidify the city's diversification into the tourism industry. This was replaced by Hamad International Airport in 2014. The new airport is almost twice the size of the former and features two of the longest runways in the world. Thirty-nine new hotels were under construction in the city in 2011.\nAs a result of Doha's rapid population boom and increased housing demands, real estate prices rose significantly through 2014. Real estate prices experienced a further spike after Qatar won the rights to host the 2022 FIFA World Cup. Al Asmakh, a Qatari real estate firm, released a report in 2014 which revealed substantial increases in real estate prices following a peak in 2008. Prices increased 5 to 10% in the first quarter of 2014 from the end of 2013. A 2015 study conducted by Numbeo, a crowd-sourced database, named Doha as the 10th most expensive city to live in globally. This rate of growth led to the development of planned communities in and around the city. Although the fall in oil prices since 2014 and a diplomatic crisis with Qatar's neighbors slowed growth in the city's population, government spending was increased to maintain the growth in real estate in metropolitan Doha.\nExpatriate workers remitted $60bn between 2006 and 2012, with 54 percent of the workers' remittances of $60bn routed to Asian countries, followed by Arab nations that accounted for nearly half that volume (28 percent). India was the top destination of the remittances, followed by the Philippines, while the US, Egypt and the neighbouring UAE followed. Remittances in 2014 totaled $11.2 billion, amounting to 5.3% of Qatar's GDP.: 45\nDoha is rated Beta + by the Globalization and World Cities Research Network (GaWC) which evaluates and ranks the relationships between world cities in the context of globalisation. Beta level cities are cities that link moderate economic regions to the world economy.\nDoha is the #68 city in the world according to the Global Financial Centres Index (GFCI) which evaluates and ranks the competitiveness of the major financial centres of the world according to a wide range of criteria – Human Capital, Business, Finance, Infrastructure and Reputation.\nDoha is ranked #74 and rated C by the Global Urban Competitiveness Report (GUCR) which evaluates and ranks world cities in the context of economic competitiveness. C cities are international gateway cities. Doha was ranked #727 by the Nomad List which evaluates and ranks remote work hubs by cost, internet, fun and safety. Doha has a population of over 956,460 people. Doha also forms the centre of the wider Doha metropolitan area which has a population of over 2,382,000 people. Doha is ranked #468 for startups with a score of 0.417.\nTwin Towns, Sister Cities include: 🇩🇿 Algiers, Algeria; 🇧🇦 Sarajevo, Bosnia and Herzegovina; 🇧🇷 Brasília, Brazil; 🇧🇬 Sofia, Bulgaria; 🇨🇳 Beijing, China; 🇺🇸 Alameda, California; 🇸🇻 San Salvador, El Salvador; 🇬🇲 Banjul, Gambia; 🇬🇪 Tbilisi, Georgia; 🇰🇿 Nur-Sultan, Kazakhstan; 🇰🇬 Bishkek, Kyrgyzstan; 🇲🇺 Port Louis, Mauritius; 🇸🇴 Mogadishu, Somalia; 🇹🇳 Tunis, Tunisia; 🇹🇷 Ankara, Turkey; 🇺🇸 Los Angeles, California, United States; 🇺🇸 Miami, Florida, United States; 🇻🇪 Libertador, Venezuela; 🇵🇸 Beit Sahour, Palestine.", "label": "Yes"}
{"text": "People tend to get excited when first starting out in real estate investing about buying a “fixer upper” and quickly turning a profit. However, fixing-and-flipping is generally not the best way to make money investing in real estate. It can get costly, and the risk is very high. Not only can there be unexpected repairs but you can run into other trouble like unreliable contractors. Needless to say, it is very easy for your budget to get out of control, resulting in the loss of profit.\nDo you know the difference between a distressed property and a fixer-upper? You may think so, but there are many misconceptions about these terms.\nProblems with Fix-and-Flip\nIt may seem logical to buy a rundown property for a low price, fix it up, make it look shiny and new to potential buyers, and walk away with a hefty profit. However, it is not as easy as it sounds.\nWhat’s the problem with fix & flip? The repairs cost money. Sometimes a lot of money. And that defeats the purpose of investing in real estate to make a profit.\nRemember, the key word here is investing. This is not a property that you are trying to turn into your dream home. You are buying it to make money – and despite common perceptions, you CAN sell a distressed property without making extensive repairs.\nDistressed Does Not Necessarily Mean More Work\nWhen you hear the word distressed, you may imagine a run-down, bleak home that would take thousand’s (or more!) to fix and flip. However, that is not always the case. The term distressed is not describing the condition of the property, it just means that the owner urgently needs to sell the home.\nThe definition of a distressed property is a foreclosure, pre-foreclosure, short sale, or other transaction where the owner is in “distress” and not able, or willing, to pay for the property.\nAre distressed properties sometimes run down and in need of significant repairs? Yes.\nThat is why it is essential to do your research on a property and its background. Doing some minor, inexpensive repairs may be necessary, but a property that will require many extensive fixes may not be worth it.\nHow To Find A Distressed Property\nThere are many ways to find distressed properties.\n- Scan foreclosures, pre-foreclosures, short sales, and\n- Find motivated sellers who need to sell quickly (divorce, relocation, pre-foreclosure).\n- Develop a marketing strategy targeting motivated sellers.\nUltimately, the thing to always keep in mind is your potential profit. Determine your overall costs and determine a maximum offer price to ensure a substantial return on your investment.", "label": "Yes"}
{"text": "the administration of wages and salaries within the Tennessee Board of Regents\nNortheast State is committed to pay equitable and competitive salaries as determined by internal\njob analyses, and external market statistics within the limits of resources as appropriated.\nIt is intended that this compensation system, attract and maintain\ncompetent and well-qualified employees and provide a fair and objective reward", "label": "Yes"}
{"text": "Back to an old option for shelter\nThe old Daytona Beach Police Department building on Nova Road at Orange Avenue would never have been abandoned if it had a private owner. It had to be worth fixing, especially before it was left vacant and closed tight for a way-too-long time.\n[READ: Jaw-dropping news on First Step shelter]\nThat building is our homeless shelter. Good location, and the public already owns it. It should be built out in a safe and spartan manner. If government was as resourceful as private industry, this would happen.\nArthur Kowitz, Ormond Beach\nClarification: The old police headquarters at Nova Road and Orange Avenue was torn down in May. Mr. Kowitz sent an email correcting his letter, but it was not seen until after the letter was in print.\nLivable wage needed\nNow there’s a proposal that makes absolute sense. I refer to making corporations pay their employees enough to sustain themselves and take their support off the backs of the taxpayers (who are already subsidizing those corporations through generous tax breaks), as proposed by Senator Bernie Sanders. Who can help but gain through such a plan? Okay, so the corporate honcho has to put the gardener on part-time.\n[READ: Pay in Volusia, Flagler lags behind state, nation]\n[READ: Connect workers to better jobs]\nThe free market system was supposed to level the playing field, allowing each to exchange his services for a decent living, with a little left over for rainy days or a comfortable retirement. Now the accumulating property of money has thrown everything out of whack, allowing individuals to amass more than they and their families could possibly use or need, except as leverage against others for getting what they want.\nOf course, who among our lawmakers is going to go along with this? Surely not those career politicians already on the corporate dole — ironically, the very same job security-minded public servants whom Trump promised to send packing, and who now toady to him and his supporters for fear of those jobs. I am fed up with these public employees owing their souls to the corporate store (which, thanks to our Supreme Court, the extent of which may now be kept from the public). This is the same Supreme Court that in its infinite wisdom ruled that corporations have the same rights as private citizens. What a travesty that is! Consider the power that corporations have over thousands, even millions of lives through their actions, versus the power wielded by single individuals.\nAs an aside, Sen. Bernie Sanders’ net worth is listed as a paltry $500,000, which pretty much excludes him from the largess bestowed on other lawmakers by their nameless angels. Go, Bernie!\nStephen L. Doll, Ormond Beach\nDon’t hurt workers\nIt is impossible to balance the federal budget on the back of approximately 2 million federal employees. It is wrong for this small number of employees, in a total population of over 323 million (six-tenths of one percent of the nation) to sacrifice while everyone else, especially the rich, shares in a $1.5 trillion tax cut. Tax cuts break the budget far more than a federal pay raise will.\n[READ: Trump cancels pay raise federal workers were due]\nFederal employees have already contributed $120 billion in cost savings over the last eight years including pay freezes in 2011, 2012 and 2013, increased retirement contributions, and lost wages due to furloughs. Eighty-five percent live outside of the D.C. Metropolitan area, including over 72,000 in Florida. This middle class work force includes highly skilled engineers, scientists, medical professionals, and information technology professionals who could command much higher salaries in the private sector. Border Patrol, ICE and FBI agents are also hurt.\nAs a former federal human resources specialist, I agree that the federal government pay system is outdated and needs reform, but this doesn’t justify alienating the entire federal work force. President Trump’s pay freeze punishes the very employees he wants to reward.\nAlthough the 1.9 percent increase currently before Congress is inadequate, I urge Florida lawmakers to vote for it. Next year, I urge the president and Congress to develop a 21st Century HR program. To do so, they will need to obtain input from federal employee organizations including the National Association of Retired Federal Employees and federal unions, current federal HR experts, and private sector best practices.\nB. Virginia Comella, DeLand\nComella is president of NARFE Chapter 817.", "label": "Yes"}
{"text": "Business loans are an important source of financing for business owners. They provide businesses with the capital they need to grow and cover expenses such as employee salaries, rental costs, and advertising. Business loans can come from traditional banks or other lenders. It is important to research different loan options to find one that fits the needs of your business.\nTable Of Content:\n- Small Business Loans in the U.S. | Accion\n- Small Business Loans: Fast and Flexible - Accion Opportunity Fund\n- Accion Business Loans Review 2023 – Forbes Advisor\n- Accion Opportunity Fund: Home\n- Accion Business Loans: 2023 Review - NerdWallet\n- BUSINESS LEARNING CENTER\n- Accion Review 2023 | Best Business Loans and Financing Options ...\n- Accion Business Loans Review | U.S. News\n- Small Business Progress Loan from Accion Opportunity Fund\n- Business Loans - Get the Right Financing for Your Small Business ...\n1. Small Business Loans in the U.S. | Accion\nIn the U.S., Accion Opportunity Fund creates economic opportunity by connecting small business owners to affordable capital and the business support they need ...\n2. Small Business Loans: Fast and Flexible - Accion Opportunity Fund\nSmall business loans that work for you · Loan amounts: $5,000 - $100,000. Affordable capital¹, with transparent terms and no prepayment penalty · Interest rates ...\n3. Accion Business Loans Review 2023 – Forbes Advisor\nDec 26, 2022 ... Accion Opportunity Fund offers small business loans between $5,000 and $100,000. To qualify for an Accion loan, your business must be at least ...\n4. Accion Opportunity Fund: Home\nAccion Opportunity Fund is a financial support system for small businesses that advances racial, gender, and economic justice for all. Learn more.\n5. Accion Business Loans: 2023 Review - NerdWallet\nJan 27, 2023 ... Note: Accion Opportunity Fund doesn't require a minimum credit score for business financing and uses other factors to determine loan eligibility ...\n6. BUSINESS LEARNING CENTER\nWelcome to the Business Learning Center, your learning center for everything about starting and running your business. Business Startup Checklist. Learn the ...\n7. Accion Review 2023 | Best Business Loans and Financing Options ...\nAccion offers loans as small as $5,000 and as large as $100,000. These microloans are essentially small business term loans, which means they have simple ...\n8. Accion Business Loans Review | U.S. News\nAccion, a nonprofit, offers fixed-rate term loans of up to $100,000 to small businesses in the United States, excluding Vermont, Montana, North Dakota, ...\n9. Small Business Progress Loan from Accion Opportunity Fund\nTake your business to new heights. With an investment from American Express, Accion Opportunity Fund 1 can offer more small businesses access to loans 2.\n10. Business Loans - Get the Right Financing for Your Small Business ...\nOur partnership with Accion Opportunity Fund 2 gives you access to a network of lenders and great options for your business. Borrow between $5K - $500K; Fixed ...\nWhat type of loans are available?\nDifferent types of business loans may be available depending on the lender. Common types include term loans, lines of credit, invoice financing, and asset-based lending.\nHow do I qualify for a business loan?\nQualifying for a business loan depends on the lender you choose. Generally, lenders will look at factors such as your credit score, cash flow statements, and other financial metrics in order to determine your eligibility.\nWhat is an interest rate on a business loan?\nInterest rates on business loans vary depending on the lender and type of loan you are applying for. Generally speaking, interest rates are typically higher than what you would see with personal loans due to the increased risk associated with business lending.\nHow long does it take to get approved for a business loan?\nThe amount of time it takes to get approved for a business loan varies based on the lender you choose. Generally speaking though, most lenders are able to approve applications quickly—often within days or even hours—of submitting all required documents and information.\nBusiness loans can be an invaluable source of funding for businesses looking for capital to grow their operations or cover expenses such as employee salaries or rent payments. There are different types of business loans available from various lenders so it is important to research options before committing to any particular loan option.", "label": "Yes"}
{"text": "Technology and innovation will transform the food value chain in response to a number of global customer shift, according to Prasit Boondoungprasert, chief executive officer of Charoen Pokphand Foods (CP Foods), a major producer and market of value-added meat and seafood products. The mega trends are demand for healthy foods, convenience, product and channel innovation, premium and value for money, and sustainability.\nPrasit, who spoke at the recent Dynamic Growth in the Global Food Tech Industry Seminar during Thailand Focus 2022, hosted by Thailand Stock Exchange, underscored that Thai food producers should be aware that consumer behaviors across the world have changed drastically due to outbreak of Covid-19. The Bangkok-headquartered company’s chief executive pointed out that CP Foods has constantly placed importance on research and development of nutrition innovations and created added value to food products, continuously focused on healthy foods and good nutrition.\nFor example, it has launched premium value-added products such as Benja Chicken, the first brown rice fed chicken certified by NSF as raised without added hormones and antibiotics-free.\nHigh in Omega-3, CP’s Cheeva Pork originates from pigs fed with flaxseed, fish oil and seaweed.\nMeanwhile, the company recently developed and launched Meat Zero plant-based meat alternatives using its proprietary Planttec innovation. The product line is cholesterol-free and loaded with nutrients such as protein and fiber.\nMoreover, CP Foods is seeking opportunities with potential partners to develop cell-based meat, as it believes this technology could disrupt the food production business and consumption trends in the future.\nDuring the seminar, Prasit emphasized that digital technology will play an increasingly important crucial role in boosting the Thai food industry’s competitiveness. CP has already implemented a variety of automation and digitization advances to enhance its production efficiency, and to ensure food safety and quality. The company operates “Smart Farm,” a nearly autonomous ecosystem integrating IoT, automation and AI into its operation.\nPrasit added that CP Foods implements smart silo solutions to help streamline feed inventory and order management processes. When combined with its state-of-the-art breeding program and positive animal welfare practices, efficiency is significantly improved.\nLooking ahead, the chief executive officer said that CP Foods will continue to use Thailand as a country base for research and development of new products that will be exported the markets around the world. However, he added, the country will need to to build up capacities for raw materials in order to gain competitive advantage in the competitive global market.", "label": "Yes"}
{"text": "Bitcoin, often known as cryptocurrency, is a type of money that is completely virtual. Like an online version of cash, it can be used to buy product and services. However, many shops have yet to accept Bitcoins and some countries have banned it altogether.\nWho created Bitcoin?\nBitcoin was developed by Satoshi Nakamoto, although many presumed the name to be a pseudonym. Nakamoto also authored the Bitcoin white paper, and created and deployed Bitcoin’s original reference implementation. As part of the implementation, he also devised the first blockchain database. Nakamoto was active in the development of Bitcoin up until December 2010. Till now, no one really know the true identity of Nakamoto and various people have claimed, or have been claimed to be Nakamoto.\nHow does it work?\nEach Bitcoin is technically a computer file that is stored in a digital wallet app on smartphones or computers. Hence, people can send Bitcoins to your digital wallet or vice versa. Every transaction is recorded in a public list called the blockchain. With the blockchain, it is possible to trace the history of Bitcoins to stop people from spending coins they do not own, making copies or to undo transactions.\nHow to people obtain Bitcoin?\n- Buying it with real money\n- Sell things and let people pay with Bitcoins\n- Created using a computer\nHow are Bitcoins created?\nBitcoins are created using powerful computers. The process is called mining. Nonetheless, it could be years before you can get a single Bitcoin even if you start mining now. That is because the computers are made to work out difficult sums. However, the sums are becoming more and more difficult to stop too many Bitcoins from being generated. In the end, you could end up spending more money on electricity for your computer than the Bitcoin would be worth.\nHow do you store Bitcoins?\nBitcoin has gained international acceptance and it continues to grow in popularity. Unlike stocks, cryptocurrencies from crypto exchange can be withdraw and stored in an outside wallet. If you’re looking to store Bitcoin or other cryptocurrencies, it is best to find the best option available. After scouring the web and looking at reviews, these are some of the best Bitcoin wallets available.\nIf you are a beginner trying your hands on cryptocurrencies, Exodus might be the best option to start because it is free and has good customer support and optional support for cold storage. It is available as a desktop wallet and mobile wallet, with a very simple user interface and an exchange built-in. One of its most popular features is the ability to swap between a growing number of cryptocurrencies. Exodus allows for swaps between over 150 different cryptocurrencies. While it is great for beginners, more advance users might find some features lacking.\nElectrum has been around since 2011 and it is one of the original Bitcoin wallets. Little has changed since then. Electrum excels at its primary functions, but it is more suited for advance users due to its complex options. It is open source, allows its users to set custom transaction fees, and has the option to choose between legacy Bitcoin and Segwit. Electrum allows its users to choose the level of security they wish to use.\nMycelium is only available in mobile app, so users who prefer to store their cryptocurrencies in the wallet might prefer this. It is an open-sourced Bitcoin wallet. Mycelium currently only supports Bitcoin, ETH, and ERC-20 tokens. In a way, it is similar to the Electrum wallet. The differences between them are Mycelium is mobile-only, has a more refreshed user interface than Electrum, and has built-in exchange. Similar to Electrum, Mycelium is one of the earlier wallets and users can set custom transaction fees so you can choose how long you’re willing to wait for a transaction to be completed. Some interesting features are also available on Mycelium, such as hardware wallet support, allowing users to hold their Bitcoin in an offline storage device while still using Mycelium’s user interface to see their holdings.\nTrezor Model T\nTrezor is chosen here because of its security strength. It comes with the strongest security features and track record of any reviewed hardware wallet. Trezor is synonymous with crypto cold wallet storage. Its Model T is the second generation of hardware wallets they have created. It gives user the ability to access third-party exchanges directly in its website interface. But the downside of this hardware is that it is priced at US $195, which hardly justifies the price. The Model T comes with a touch screen, which can be easier for a beginner than the buttons available in their previous model. It also comes with a MicroSD card slot, allowing users to use MicroSD cards to encrypt the PIN to further protect the device from attacks. Besides the MicroSD card slot, the Model T comes with a USB Type-C cable so that you can connect it to your smartphones or desktop computers. Currently, the Trezor Model T supports more than 1,800 different cryptocurrencies.\nLedger Nano S\nLastly, we have the Ledger Nano S, an affordable entry point into cold storage hardware wallets. The device is the first-generation hardware wallet introduced by Ledger, one of the first hardware wallets ever made. It is compatible with over 1800 cryptocurrencies. Unlike the Trezor Model T, it does not come with a USB Type-C cable, so users with a more advance smartphones may find trouble connecting to their device. However, the Nano S only has enough storage to make wallets for a limited number of cryptocurrencies at a time. If you were to delete an app to add another type of cryptocurrency, their online guide says it will not affect your assets. Although you have deleted the wallet and the crypto within it, it can still be seen in Ledger Live, but the wallet will not be seen on the device itself. If you like to send or receive to the particular wallet you have deleted, you might need to delete another wallet to make room. Priced at US $59, the Ledger Nano S is a fantastic wallet for those looking to store their cryptocurrency safely at a reasonable price. It is easy to use, making it ideal for beginners looking for safe and simple storage for a handful of cryptocurrencies.\nWhy do people want Bitcoins?\nThe main reason why Bitcoins are a hot commodity right now is because of the fact that it is not controlled by the government or the banks. On top of that, you are able to spend the currency anonymously. Nobody would know your account number unless you told them, albeit all transactions are recorded. In January 2021, the value of Bitcoin surged significantly after Elon Musk said he was a big supporter of Bitcoin. His support for online currencies in recent years caused a shift in their value due to his wealth and influence.\nIs it safe?\nAs every transaction is recorded publicly, it makes it difficult to copy Bitcoins, make fake ones or spend other people’s Bitcoins. Nevertheless, it is possible to lose your Bitcoin wallet or ‘accidentally’ delete your Bitcoins and lose them forever. Such incident happened to an IT engineer, James Howells who accidentally threw away the hard drive of an old computer containing 7,500 Bitcoins back in 2013. Until today, he has not given up on his quest to retrieve his lost coins. There have also been thefts from websites that let you store your Bitcoins remotely.\nOthers have expressed concerns regarding the fluctuating value of Bitcoins over the years since it was created in 2009. Some people do not agree with investing real money into Bitcoins. This concern was voiced by the head of The Bank of England, Andrew Bailey, in October 2020. He said that he was “very nervous” about people using Bitcoin for payments pointing out that investors should realise its price is extremely volatile.\nSome of the most expensive things ever bought with Bitcoins\n• In May 2010, Laszlo Hanyecz paid 10,000 Bitcoins for two delivered Papa John’s pizza. 10,000 Bitcoins was around $41 at that time. Nine months after the purchase, Bitcoin was on par with the US dollar, making the pizzas worth $10,000. Five years later the two pizzas were valued at $2.4 million. Today, the pizza order is the equivalent of over $93 million.\n• VinWiki CTO Peter Saddington purchased a $200,000 2015 Lamborghini Huracan for 45 Bitcoins back in 2017. Back then, 45 Bitcoin is worth around $420,000.\n• Bitcoin investor Michael Komaransky sold his Miami mansion for 445 Bitcoin, equivalent to $6 million at the time of sale back in 2018.\n• A painting depicting a personification of Bitcoin in the place of Jesus, surrounded by various allegorical figures from the crypto subculture, named Bitcoin Supper was sold for 4.65 Bitcoin ($2,900 at the time) after a bidding war, making it the most expensive Bitcoin painting ever sold.\nBitcoin and Elon Musk\nIf you are avid reader of Elon Musk and cryptocurrencies, you will likely notice the pattern where the prices of cryptocurrencies move according to what the billionaire said or tweets. Being the loudest voice in the cryptocurrency world, the Tesla founder often use Twitter to post about various digital assets, causing wild swings in their prices. Prices of several large cryptocurrencies went on a wild ride in recent months in response to his statements and actions at Tesla. Dogecoin plummeted in May after Musk appeared on Saturday Night Live and called it a “hustle.” That same month, Musk said Tesla would stop accepting Bitcoin as payment because of the huge amount of energy used to mine it, causing the price to fall.\nHowever, earlier this year, the digital coin saw an exponential spike in value after Musk changed his twitter profile to “#Bitcoin.” Subsequently, in February, Tesla bought $1.5 billion worth of Bitcoin. Following the purchase, Bitcoins’ prices surged to a new high.", "label": "Yes"}
{"text": "Tianjin Jin Hai Condiment & Seasoning Products Co., LTD.\nTianjin Jin Hai Condiment & Seasoning Products Co., LTD. was founded in the early years of Qianlong, the Qing Dynasty, and the history of export dates back to the republic of\nThe company has many production lines, including filling line, fermentation line, packaging line and brewing line, and it has 50 employees and more than 10 professional technicians. The company has a series of Great Wall Brand Condiment & Seasoning products, such as Great Wall Brand vinegar, Great Wall vinegar, palace vinegar, health vinegar, rice vinegar, years brewing vinegar, La Ba vinegar, etc. The company adopts the traditional brewing method which is made from high quality millet and husked sorghum and made by the most advanced filling production line, storage equipment and advanced supporting plant, to make the quality jump to a new height of the history.\nWith the development of China's economy, the improves of people's living standard, the company decided to devote some of its export share to the domestic market which increase the quality of people's life and provide the updated seasoning for the life. We insist on \"Credibility First, Customer First\" purpose, dedication to customers at home and abroad with high quality and low price products and excellent pre-market after-sales service, and establish friendly trade relations and sincere cooperation. We hope we can work together to create a better business.", "label": "Yes"}
{"text": "Prepayment Penalties: Efficieny and Predation\nAbstractThis paper presents evidence that reductions in mortgage interest rates associated with prepayment penalties are greater for riskier borrowers, as measured by mortgage type, credit scores, and local incomes and education levels. This is consistent with an efficiency view that, by reducing the reclassification risk faced by lenders, prepayment penalties can be welfare-improving. Additional findings indicate that prepayment penalties are also used as a predatory lending tool, but that the efficiency view dominates the predatory view in most circumstances. State anti-predatory lending laws restricting the duration and amount of prepayment penalties appear to curb the predatory use of prepayment penalties.\nDownload InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.\nBibliographic InfoPaper provided by UMBC Department of Economics in its series UMBC Economics Department Working Papers with number 11-133.\nLength: 39 pages\nDate of creation: 01 Oct 2011\nDate of revision:\nContact details of provider:\nPostal: UMBC Department of Economics 1000 Hilltop Circle Baltimore MD 21250, USA\nWeb page: http://www.umbc.edu/economics\nMore information through EDIRC\nFind related papers by JEL classification:\n- G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages\n- G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation\n- G01 - Financial Economics - - General - - - Financial Crises\n- D18 - Microeconomics - - Household Behavior - - - Consumer Protection\n- L85 - Industrial Organization - - Industry Studies: Services - - - Real Estate Services\nPlease report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on \"citations\" and make appropriate adjustments.:\n- Anthony Pennington-Cross & Giang Ho, 2006.\n\"The termination of subprime hybrid and fixed rate mortgages,\"\n2006-042, Federal Reserve Bank of St. Louis.\n- Anthony Pennington-Cross & Giang Ho, 2010. \"The Termination of Subprime Hybrid and Fixed-Rate Mortgages,\" Real Estate Economics, American Real Estate and Urban Economics Association, vol. 38(3), pages 399-426.\n- Igal Hendel & Alessandro Lizzeri, 2003.\n\"The Role Of Commitment In Dynamic Contracts: Evidence From Life Insurance,\"\nThe Quarterly Journal of Economics,\nMIT Press, vol. 118(1), pages 299-327, February.\n- Igal Hendel & Alessandro Lizzeri, 2000. \"The Role of Commitment in Dynamic Contracts: Evidence from Life Insurance,\" NBER Working Papers 7470, National Bureau of Economic Research, Inc.\n- Susan E. Woodward & Robert E. Hall, 2010. \"Consumer Confusion in the Mortgage Market: Evidence of Less Than a Perfectly Transparent and Competitive Market,\" American Economic Review, American Economic Association, vol. 100(2), pages 511-15, May.\n- Rose, Morgan J., 2008. \"Predatory lending practices and subprime foreclosures: Distinguishing impacts by loan category,\" Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 13-32.\n- Antje Berndt & Burton Hollifield & Patrik Sandås, 2010. \"The Role of Mortgage Brokers in the Subprime Crisis,\" NBER Working Papers 16175, National Bureau of Economic Research, Inc.\n- Robert B. Avery & Glenn B. Canner & Robert E. Cook, 2005. \"New information reported under HMDA and its application in fair lending enforcement,\" Federal Reserve Bulletin, Board of Governors of the Federal Reserve System (U.S.), issue Sum, pages 344-394.\n- Elliehausen, Gregory & Staten, Michael E. & Steinbuks, Jevgenijs, 2008. \"The effect of prepayment penalties on the pricing of subprime mortgages,\" Journal of Economics and Business, Elsevier, vol. 60(1-2), pages 33-46.\n- Danis, Michelle A. & Pennington-Cross, Anthony, 2008.\n\"The delinquency of subprime mortgages,\"\nJournal of Economics and Business,\nElsevier, vol. 60(1-2), pages 67-90.\n- Yuliya Demyanyk & Otto Van Hemert, 2011. \"Understanding the Subprime Mortgage Crisis,\" Review of Financial Studies, Society for Financial Studies, vol. 24(6), pages 1848-1880.\n- Christopher J. Mayer & Tomasz Piskorski & Alexei Tchistyi, 2010. \"The Inefficiency of Refinancing: Why Prepayment Penalties Are Good for Risky Borrowers,\" NBER Working Papers 16586, National Bureau of Economic Research, Inc.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Christelle Viauroux).\nIf you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.\nIf references are entirely missing, you can add them using this form.\nIf the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.\nIf you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the \"citations\" tab in your profile, as there may be some citations waiting for confirmation.\nPlease note that corrections may take a couple of weeks to filter through the various RePEc services.", "label": "Yes"}
{"text": "Polskie Elektrownie Jadrowy (PEJ) has applied to Poland's Ministry of Climate for a decision-in-principle on the construction of the country's first large NPP, while metals company KGHM Polska Miedz has applied to the Ministry for a decision-in-principle on construction of a small modular reactor (SMR) power plant. The applications came after the adoption of an updated nuclear energy law allowing such applications to be submitted at the beginning of the process. This ensures state support for any project before any significant investment is made. A decision-in-principle formally confirms that investment in a plant is in line with public interest and the state policies, including energy policy.\nThe decision will enable PEJ, a special purpose vehicle wholly owned by the State Treasury, to apply for subsequent administrative decisions, including a siting and a construction permit. PEJ’s application includes a description of project characteristics, such as the maximum total installed capacity, the planned operating period and details of the technology to be used in the construction of the plant.\nPEJ said the description provided was \"in line with government documents, including the resolution of the Council of Ministers of 2 November 2022, recognising the need to build a nuclear power plant with a capacity of up to 3750 MWe in the area of the communes of Choczewo or Gniewino and Krokowa and based on US AP1000 reactor technology\".\nIt added: \"An important element of the application for the decision-in-principle is the justification of the importance of the implementation of this project for securing the electricity demand in Poland. The rationale also emphasises the compatibility of PEJ's project with strategic government documents, including Poland's Energy Policy until 2040 and the European Union's climate policy.\"\nPEJ acting President Lukasz Mlynarkiewicz said the application represents another important step “towards obtaining all the necessary administrative approvals to begin construction of Poland's first nuclear power plant”. The application was submitted on the earliest date possible, “as we are keen to significantly accelerate the pace of implementation of this key project” and are also “aware of the significance of this project and the importance of the further stages before us, which we will implement according to the approved schedule”.\nIn September 2021, Poland announced that six large pressurised water reactors with a combined installed capacity of 6-9 GWe could be built by 2040 to reduce its reliance on coal. Construction of the first NPP is to start in 2026, with the first 1.0-1.6 GWe reactor being commissioned in 2033. Subsequent units will be implemented every 2-3 years. The coastal towns of Lubiatowo and Kopalino in Choczewo municipality in Pomerania province were named as the preferred location for the first plant.\n\"The implementation of the Polish Nuclear Power Programme is one of the greatest challenges Poland has faced in recent decades, both in terms of complexity and the competencies it demands,\" said Mateusz Berger, Government Plenipotentiary for Strategic Energy Infrastructure. \"The submission of an application for the decision-in-principle for the construction of the first nuclear power plant marks an important stage showing the maturity of the project implemented in Pomerania.”\nIn November 2022, the government selected Westinghouse to supply the plant. PEJ and Westinghouse signed a Bridge Contract in February, covering ten main areas, including: development of a detailed delivery model; preparation of a security assessment and a quality programme; and, also, identification of potential suppliers with a focus on Polish companies. Westinghouse will prepare a list of requirements necessary for the execution of the investment, including adjusting the AP1000 technology to meet local regulations. The contract assumes the preparation of the principles of external financing for the project.\nMeanwhile, Poland's ZE PAK, Polska Grupa Energetyczna and Korea Hydro & Nuclear Power signed a letter of intent to cooperate on a NPP project in Patnow based on South Korean APR1400 reactors.\nThe application by copper and silver producer KGHM Polska Miedz is for a SMR. KGHM said that, until completion of the administrative procedure, it will not provide information on the course of the proceedings or details of the application. KGHM said it is one of the largest Polish companies and at the same time one of the largest energy consumers in the country. “That is why our involvement in energy projects, among which the nuclear project is of primary importance, is obvious, said Tomasz Zdzikot, President of the KGHM Management Board. “This is a project which will guarantee the stability of our operations in the future.”\nIn 2022, KGHM signed an agreement with US NuScale Power for preliminary work representing the first step in the process of implementing SMR technology within the business activities of the KGHM Group. The target is to deploying a first NuScale Voygr SMR power plant in Poland as early as 2029. KGHM is investigating possible sites.\nKGHM wants to explore the deployment of SMR technology to repurpose or replace existing coal-fired power plants and provide electricity and heat for its industrial processes. KGHM is also looking more generally to diversify its energy sources. By 2030, 50% of the electricity used by KGHM will come from its own sources, including renewables. The Sierra Gorda mine in Chile is already powered by 100% with renewable energy.\nIn July 2022, KGHM submitted an application to Poland's National Atomic Energy Agency (NAEA) to evaluate NuScale's SMR technology and prepare a site study. Under a task order signed in September, NuScale will continue to support KGHM's application to the NAEA through activities including drafting additional preliminary safety analysis reports and coordinating with the NAEA. The task order also sets the stage for the subsequent tasks in the Early Works Agreement as proposed by NuScale. The VOYGR will have six modules, each with an installed capacity of 77 MWe. NuScale's SMR technology gained approval from the US Nuclear Regulatory Commission in August 2020.", "label": "Yes"}
{"text": "Fikirtepe Urban Transformation project, which has been on the agenda for a long time, has become a hope for a solution for the contractors and subcontractors as well as the beneficiaries in the region with the Ministry of Environment and Urbanization becoming involved in.\nThere is no reason to be hopeless. In about 7 years since 2014-2015, when the first building licenses were issued and the projects were put on sale, sqm unit sales prices in the region made no progress as 11,000 TL /sqm. However, in the negotiations of the beneficiaries with the contractors in the beginning stage of the project in the Fikirtepe Urban Transformation Project, they expressed their request for the unit price of about 10.000 TL/sqm that is the unit price in the said project by giving the example of the Akasya Project that was being constructed in those years. Since there wasn’t any development in the Fikirtepe Urban\nProject during that time due to known reasons, while the unit prices made no progress in the beginning level, the prices in theAkasya Project have nearly doubled to 20.000 TL/sqm since then. Undoubtedly, the below factors have been effective for\nthe increasing prices in the Akasya project;\n• In addition to the location,\n• The fact that the concept was correctly selected and applied,\n• The fact that a Management Plan was developed in accordance with its purpose and being a well-managed complex\nThis situation is perceived as an important opportunity for the Fikirtepe Urban Transformation Project. Yet it is located in a highly preferable region due to its location. However, the fact that the Ministry is involved in this project, an adequate social reinforcement\narea was created, a concept will be created considering functional definitions of the plan as well as regional needs is of vital importance.\nThus, while the reinforcement area share of 34% was planned compared to the previous plans by placing importance on the reinforcement and recreational areas in the region according to the implementary development plans that are prepared and are\nput up for review by the Ministry, the reinforcement area share was planned to be 51% in the region according to the new plan. Based on the three years covering 2018-2020, when the statistics on the basis of the housing unit sales in the district of Kadikoy are examined, it is understood that there are approximately 11,000 houses sold per year. Considering that about 15.000 housing units will be constructed and these will be delivered to the right owners and the needy in 2023-2024, it is considered that there will be an important amount of housing supply and this situation will repress the price increases. Such that, as a result of the calculations we have made as Denge Degerleme, it is foreseen that the gross unit sqm prices of housing units in the region will be around 17.000,-TL/sqm at the end of 2023 and beginning of 2024.\nThe last issue that is brought into the agenda regarding the subject is that whether Value Increase Share Tax, also known as the rent tax, will be valid for the region. Value increase share is not collected since Fikirtepe Urban Transformation Area has been designated as a risky area within the scope of Law No. 6306 on Transformation of Areas Under Disaster Risk", "label": "Yes"}
{"text": "Apple Rises to #5 in This Year's Fortune 500 Rankings\nFortune has just released its annual \"Fortune 500\" list, which is a high-profile ranking of the largest companies in the United States ranked by revenue. This year, Apple has taken the #5 spot, up from #6 in last year's rankings and from #17 in 2012.\nApple’s net sales keep climbing, as the tech giant continues to sell more iPhones and digital content. But the company faces pressure in the smartphone business, as Android phones grow increasingly dominant. Meanwhile, Apple reported an annual drop in net income in fiscal year 2013, a first in more than a decade. Activist investor Carl Icahn last year disclosed a stake in Apple and subsequently pushed for the company to spend billions on share buybacks. In April, the company increased the amount of shares it is authorized to repurchase and raised its quarterly dividend by 8%, and in late May it announced it was acquiring Beats Music and Beats Electronics for $3 billion.\nWal-Mart once again beat out ExxonMobil for this year's #1 ranking, with Chevron and Berkshire Hathaway ranking ahead of Apple's $170.9 billion in revenue. Apple's profit of $37 billion dollars also ranked first among Fortune 500 companies despite falling 11.3% from last year.\nApple announced last week that it would be buying Beats Electronics and the Beats Music streaming service for a total of $3 billion, making it the largest acquisition in company history. Apple is also expected to launch a number of new products this year, including a larger iPhone, new Macs, new versions of OS X and iOS, and an \"iWatch\" smartwatch.", "label": "Yes"}
{"text": "Precision Drilling Posts Private Offering of Senior Notes\nPrecision Drilling announced plans to commence a private offering of US $550 million aggregate principal amount of senior unsecured notes due 2020 (the \"notes\"). Precision intends to use the net proceeds from the proposed notes offering, together with cash on hand, to repay in full its outstanding indebtedness under its existing term loan A and term loan B credit facilities. The current outstanding balance of the term A is approximately US $263 million and the outstanding balance under the term B credit facility is approximately US $318 million. In conjunction with the closing of the notes offering, Precision expects to enter into a new US $650 million senior secured revolving credit facility expiring in 2013.\nThe notes will be offered to qualified institutional buyers under Rule 144A and may be offered outside the United States pursuant to Regulation S. The notes have not been registered under the U.S. Securities Act of 1933, as amended (the \"Securities Act\"), and unless so registered, may not be offered or sold in the United States except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act and applicable state securities laws. This news release shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any offer or sale of the notes in any state, or jurisdiction in which such offer, solicitation, or sale would be unlawful.\n- Precision Drilling Reports Smaller-Than-Expected Loss (Oct 27)\n- Precision Drilling Posts Bigger Loss, Hurt by Weak Activity (Jul 21)\n- Canadian Energy Earnings Hint at Brighter Outlook for Oil (Jul 21)", "label": "Yes"}
{"text": "Philips Lighting Promised to End Light Poverty Around the World29-01-2015\nOn Monday January 19th,2015, The International Year of Light 2015 was officially launched at the UNESCO Headquarter in Paris,France.\nDuring the Opening Ceremony, Philips Lighting CEO, Eric Rondolat, who was one of the speakers announced that Philips Lighting guarantees to help end light poverty. He said \"We need to end light poverty for 1.3 billion people by 2030… Cutting Light Poverty is the most socio-economic thing to do\". Eric Rondolat also talked about how solar powered LED light is a replacement to kerosene.\nEric Rondolat, CEO of Philips Lighting making his speech at UNESCO Headquarter in Paris. (All Photos Courtesy of Philips Lighting)\nMore than 1.3 billion people are put in light poverty as they cannot adopt electricity. Most of those affected have to use kerosene lamps and candles to light their homes and businesses. But these old light sources take away the lives of 1.5 million people every year through breathing illnesses and fires – the same number killed annually by HIV-related diseases.\nLight poverty affects wide scope of Africa, Asia and South America with as few as 1.5% of people in South Sudan used electric light. In many developing countries, electrical grids are not available due to the geographic and financial burdens of linking hundreds of remote communities. However, solar LED technology can provide light at a little of the cost of running kerosene lamps, without any of the health, safety or environmental dangers – or the need for major investment in infrastructure.\n\"Human suffering on this scale is unacceptable in the 21st century,\" said Eric Rondolat. \"Solar-powered LED lights can transform rural areas and save millions of lives. Besides, it does not have to be invented – it already exists and is proven. I hope that politicians can stand together and act to ending light poverty by 2030.”\nA single solar-powered LED lantern uses zero energy and can fill a room with clean, electric light for a one-off cost of $10-20 (￡7-14), compared to the $50 (￡33) annual fuel bill of running a kerosene lamp. On a larger scale, energy efficient LED lights and solar panels can be combined to produce sustainable lighting in public places and bring areas to life in the night time. These Community Light Centers (CLCs) allow healthcare services and businesses to operate after sunset as well as encouraging sports and other social activities. Philips is in the process of installing 100 CLCs across 12 countries in Africa, where some 500 million people do not use light.\nPhilips Gift of Light program will help end light poverty\nThe Philips Gift of Light program – an employee engagement program in which Philips employees selected and voted for worthy projects deserving of a Philips gift of light made up of lighting products and services. During the coming months, further projects will be implemented by Philips employees in 17 countries around the world.\nSolar LED Lights for the Democratic Republic of Congo\nPhilips Lighting has provided a gift of solar powered LED lights to an off-grid village Bikuku near Kinshasa in the Democratic Republic of Congo where 1600 people did not use electric lights. The donation provides light after dark to homes, businesses and a Community Light Centre (CLC). CLCs allow healthcare services and businesses to operate after sunset as well as encourage sports and other social activities. Philips is in the process of installing 100 CLCs across 12 countries in Africa, where some 500 million people do not have used light. This famous project is part of the Philips Gift of Light program.", "label": "Yes"}
{"text": "convert (exchange rate)\nUS Dollar to Rrcoin\nMore info about Google Ads on this page.\ndRRC (deciRrcoin), cRRC (centiRrcoin), mRRC (milliRrcoin), uRRC (microRrcoin), nRRC (nanoRrcoin), pRRC (picoRrcoin), fRRC (femtoRrcoin), aRRC (attoRrcoin), daRRC (decaRrcoin), hRRC (hectoRrcoin), kRRC (kiloRrcoin), MRRC (megaRrcoin), GRRC (gigaRrcoin), TRRC (teraRrcoin), PRRC (petaRrcoin), ERRC (exaRrcoin),\nSee the live USD price. Control the current rate. Convert amounts to or from RRC and other currencies with this simple calculator.\nThe United States dollar (sign: $; code: USD; also abbreviated US$ and referred to as the dollar, U.S. dollar, or American dollar) is the official currency of the United States and its insular territories per the United States Constitution. It is divided into 100 smaller cent (¢) units. The circulating paper money consists of Federal Reserve Notes that are denominated in United States dollars (12 U.S.C. § 418).\nThe U.S. dollar is commodity money of silver as enacted by the Coinage Act of 1792 which determined the dollar to be 371 4/16 grain (24.1 g) pure or 416 grain (27.0 g) standard silver. Since the currency is the most used in international transactions, it is the world's primary reserve currency. Several countries use it as their official currency, and in many others it is the de facto currency. Besides the United States, it is also used as the sole currency in two British Overseas Territories in the Caribbean: the British Virgin Islands and Turks and Caicos Islands. A few countries use the Federal Reserve Notes for paper money, while still minting their own coins, or also accept U.S. dollar coins (such as the Susan B. Anthony dollar).\nUsc to Rrcoin, Uro to Rrcoin, Uralscoin to Rrcoin, Uscoin to Rrcoin, USD-e to Rrcoin, Tether to Rrcoin, US Dollar to Revizorcoin, US Dollar to Red pulse, US Dollar to Repme, US Dollar to Serbian Dinar, US Dollar to Rsgpcoin, US Dollar to Risksharingtoken,", "label": "Yes"}
{"text": "Get an LLC: 1 Business Day Swyft Filings. Business names, create an LLC, Business registration\n& Company registration numbers. Easy Setup! Fast turn around time!\nExactly how to obtain an LLC – 1 Business Day Swyft Filings\nTo create an LLC, you will certainly require to comply with these steps:\nChoose a name for your LLC that is not already being used by an additional business as well as is compliant with your state’s naming guidelines. 1 business day Swyft Filings.\nSubmit articles of organization with your state’s LLC declaring office. This file officially develops your LLC and includes details such as the name and address of the LLC, the names and also addresses of the participants, as well as the function of the LLC.\nObtain any kind of needed licenses and permits for your business.\ncreate an operating agreement, which outlines the administration as well as financial structure of the LLC.\nPay any needed charges to the state for registering your LLC.\nNote: 1 business day Swyft Filings. The procedure for developing an LLC will certainly differ relying on the state where you intend to create it. It is suggested to consult with a lawyer or an accountant who can guide you on the particular rules and laws of your state.\nJust how to get a business license\nFigure out the type of business license you require: Depending upon the kind of business you intend to run, you might need a specific kind of license. If you intend to sell alcohol, you will certainly need a alcohol license.\nStudy neighborhood as well as state demands: Each state as well as community has its very own set of policies as well as policies for acquiring a business license. 1 business day Swyft Filings. You’ll require to look into the particular demands for your location to ensure you have all the required documents and documentation.\nCollect needed records: You will certainly require to offer particular records, such as proof of your business name and address, tax identification number, as well as evidence of insurance policy. Make sure you have all of these records prior to looking for your license.\nLook for your license: Once you have all the needed papers, you can make an application for your business license by sending the appropriate documentation to your neighborhood or state federal government agency. This can be done online, by mail, or face to face.\nPay the called for fee: 1 business day Swyft Filings. You will certainly need to pay a cost to acquire your business license. The charge quantity differs relying on your place and the sort of business you are operating.\nWait on approval: After you have actually submitted your application and paid the required fee, you will need to await your license to be authorized. The authorization process can take numerous weeks, so be patient.\nMaintain your license upgraded: 1 business day Swyft Filings. Once you have your business license, you will require to maintain it updated by renewing it annually or as needed by your regional or state government.\nJust how ahead up with a business name – 1 Business Day Swyft Filings\nBeginning by conceptualizing key phrases that associate with your business. 1 business day Swyft Filings. These can consist of the product and services you offer, the target market, or any type of unique functions of your business.\nConsider the character or tone you want your business name to convey. For instance, do you desire a name that is serious as well as expert, or something extra fun and catchy?\nThink about utilizing a mix of words that pertain to your business. This can consist of industry-specific terms, or words that show your firm’s values or mission.\nExperiment with various word combinations and see what sounds excellent. You can also use a business name generator tool to assist you generate concepts.\nInspect the schedule of your selected name by browsing online and checking if the domain is readily available.\nObtain feedback from close friends, family, as well as associates to see if they like the name as well as if it communicates the right message.\nOnce you’ve decided on a name, see to it to register it with the suitable federal government agency and also secure the needed hallmarks and also copyrights to safeguard your business name.\nJust how to create an LLC\nSelect a one-of-a-kind name for your LLC: Your LLC name should be appreciable from various other business names on data with your state’s LLC declaring office.\nSelect a signed up Agent: 1 business day Swyft Filings. A registered Agent is a individual or business entity that will approve lawful files on behalf of your LLC.\nFile articles of organization: This is the paper that officially creates your LLC and has to be submitted with your state’s LLC declaring office.\nGet any necessary licenses as well as permits: Relying on your business kind as well as location, you might require to obtain additional licenses and authorizations.\ncreate an operating agreement: An operating arrangement is a legal document that describes the ownership as well as monitoring framework of your LLC.\nGet an EIN: An EIN, or Company Identification Number, is a unique number designated to your business by the IRS for tax obligation purposes.\nRegister for state taxes: Depending upon your state, you may need to register for state tax obligations, such as sales tax or payroll tax obligations.\nFollow continuous conformity requirements: LLCs are subject to ongoing compliance requirements such as annual reports as well as franchise business tax obligations.\nOpen up a business savings account: Open up a business checking account to keep your personal as well as business financial resources different.\n1 business day Swyft Filings. File annual reports and taxes: LLCs are called for to file annual reports as well as taxes, contact your state for specific needs.\nNew Jersey business registration – 1 Business Day Swyft Filings\nIn order to register a business in New Jersey, the adhering to steps need to be completed:\nSelect a business name: 1 business day Swyft Filings. Business name must be distinct as well as not currently being used by an additional business. The name can be looked for availability through the New Jersey Division of Revenue as well as Business Providers.\nRegister for tax obligations: 1 business day Swyft Filings. All companies in New Jersey are needed to register for state taxes, including sales tax, company withholding tax obligation, and joblessness tax obligation. This can be done via the New Jersey Division of Revenue and also Venture Services.\nObtain any kind of essential licenses or permits: Depending upon the kind of business, particular licenses or authorizations may be called for. 1 business day Swyft Filings. This includes licenses for certain occupations, such as doctor or construction specialists, in addition to permits for certain activities, such as food solution or alcohol sales.\nRegister for a business entity: Businesses in New Jersey can pick from a number of various types of legal frameworks, such as sole proprietorship, partnership, limited liability firm (LLC), or corporation. 1 business day Swyft Filings. The proper structure ought to be selected based on the certain demands of the business.\nSubmit articles of consolidation (if applicable): If business is a firm, articles of incorporation need to be submitted with the New Jersey Division of Revenue and Business Providers. This process consists of sending a certification of unification as well as paying a cost.\nRegister for employee withholding tax obligations: 1 business day Swyft Filings. Businesses with workers have to register with the New Jersey Division of Revenue and Venture Services to report and also pay staff member withholding tax obligations.\nObtain any essential insurance: 1 business day Swyft Filings. Relying on the sort of business, certain types of insurance policy may be needed, such as workers’ settlement insurance.\nWhen all of these actions have actually been finished, the business will be officially registered and able to run in New Jersey. It is essential to keep in mind that ongoing conformity with state regulations as well as regulations is also required to preserve enrollment.\nWhat is a business in a box? 1 Business Day Swyft Filings\nA business in a box is a pre-packaged collection of resources, devices, and materials that are created to aid entrepreneurs swiftly as well as quickly start and run their very own business. 1 business day Swyft Filings. These sets commonly consist of things like business strategies, themes, advertising and marketing materials, training guides, and also software program or various other tools that specify to the kind of business being begun. Some examples of business in a box include franchises, online organizations, and home-based businesses. These kits can be customized to fit various industries and business models, and also can be a excellent way for people to begin their own business without needing to spend a lot of money and time on research and development.\nHow To Register business name\nPick a special business name: Prior to registering your business name, see to it it is one-of-a-kind and not already in use by one more company. You can make use of a business name search tool to inspect if the name is available.\nEstablish the type of business entity: Select the sort of business entity you wish to register as, such as a sole proprietorship, partnership, LLC, or firm.\nRegister with the state: The majority of states need businesses to register with the state federal government. 1 business day Swyft Filings. This can generally be done online or personally at the appropriate government agency.\nGet any required licenses as well as licenses: Depending on the type of business you are operating, you may need to acquire specific licenses and authorizations. These can differ by state and market, so it is very important to research study what is required for your business.\nRegister for taxes: Register for any type of needed state as well as government tax obligations, such as sales tax obligation as well as income tax obligation.\nFile for a DBA Doing Business As if needed: If you’re operating under a name that’s different from your legal name, you’ll need to file for a DBA.\nMaintain records: Keep all enrollment records, licenses as well as allows in a refuge for future reference.\nWhat is a Business registration number? 1 Business Day Swyft Filings\nA company registration number, additionally called a company registration number or business registration number, is a special identification number assigned to a company by a government agency. 1 business day Swyft Filings. This number is utilized to identify the company for lawful and management objectives, such as filing tax obligations, opening checking account, and performing business purchases. The style and area of the enrollment number might differ relying on the nation or state in which the company is registered.\nNorthwest Registered Agent\nNorthwest Registered Agent is a firm that gives registered Agent services to organizations in the United States. They act as the official factor of get in touch with for a business, getting and forwarding legal documents, such as solution of procedure as well as annual records.\nIncfile is a firm that supplies business development solutions, including LLC development, corporation formation, as well as not-for-profit development. They also use services such as registered Agent solution, conformity solutions, and also business file declaring. Incfile aims to make the process of beginning as well as preserving a business as easy and also budget-friendly as feasible for their customers. They have a easy to use internet site and also supply step-by-step assistance throughout the procedure. Furthermore, Incfile offers a fulfillment guarantee and also a 100% money-back guarantee for their solutions.\nWhat is Inc Authority? 1 Business Day Swyft Filings\nInc Authority is a company that supplies legal, tax obligation, as well as compliance solutions for organizations. 1 business day Swyft Filings. They aid entrepreneurs as well as local business owners integrate their businesses, handle their lawful and tax commitments, and make sure that they are in conformity with all suitable regulations as well as laws. Their solutions include firm development, registered Agent solutions, trademark registration, business license as well as permit assistance, and a lot more.\nZenbusiness is a company that provides business development and also assistance services to entrepreneurs and also little business owners. They supply help with setting up a new business, including selecting a business structure, getting needed licenses as well as licenses, and also signing up with state as well as federal firms.\nSwyft Filings is a US-based online lawful service that offers an budget-friendly and easy way for companies to include or create an LLC (Limited Obligation Company). 1 business day Swyft Filings. They use a range of solutions consisting of business enrollment, trademark filing, and annual report services. Swyft Filings is known for their straightforward web site and also their dedication to supplying a fast and effective service. They additionally use a 100% fulfillment warranty as well as a digital authorized Agent solution.\n[sspostsincat category=”1 Business Day Swyft Filings”]\n[relatedpages parent=”1 Business Day Swyft Filings”]", "label": "Yes"}
{"text": "June 27, 2022 |\nBrazilian digital lender Inter&Co has a funding structure in place that allows it to navigate volatile market conditions without having to sell more shares, CEO João Vitor Menin told LatinFinance on Thursday.\n\"We do not need that,\" Menin said of a possible follow-on offering. \"We can keep growing our business and our loan portfolio without the need to raise equity. We can keep growing at the same pace for the next three years or more,\" he added.\nInter&Co started trading shares on the Nas\nBrazilian digital lender has no need to raise equity for three years or more, CEO says", "label": "Yes"}
{"text": "Others might understand compact living as the temporary definition of that which are the critical things in everyday lives. It's all about conserving space and discovering ways to utilize every square inch of our living room. Whether we like it or not, everybody is on the lookout for a piece of apartment furniture which will assist them save space. Within this world, it is not possible to do without having a personal computer or a tv and even then we must set this up so that we can watch our favorite TV shows when we want to.\nIndividuals that are concerned with saving their cash and at the exact same time trying to enjoy a more natural life are now resorting to apartments that are equipped with all the amenities and modern conveniences. Living in these sorts of home is also referred to as compact living as it reduces the entire quantity of space while maximizing the performance of a certain area. Living in these sorts of accommodations is a lot more than just having a place to sleep and remain at night, because there are quite a few benefits that come with these types of accommodations.\nTo start with, people who choose to have apartments that are equipped with these features have the ability to maximize the quantity of natural light available in any given room. Before, many buildings were built with large windows that let in plenty of sun in. But it is very tough to allow as much natural light into a room as possible if you have a smaller space to operate with. The result was chambers that would reflect the light in the windows and absorb most of the heat during the winter months but would allow little to no light to the room through the summertime. These kinds of rooms would also make it rather difficult to utilize the heat in each area.\nApartment dwellings that are equipped with natural light are easier to handle when it comes to saving money and using energy more effectively. It follows that little living spaces are far better at saving energy because they have more natural lighting during the day, which will help to keep the chambers cooler without having to use artificial components to keep the temperature down. This makes it simpler for small spaces to conserve energy because they’re more energy efficient, meaning the components will not require as much electricity as larger spaces. This may be particularly beneficial in the summer months once the sun is shining brightly and using a great deal of electricity is much more expensive.\nAnother benefit that comes with many condos and apartments that are designed with these features is they can be included in some housing growth programs. Since there are so many different housing developments being constructed, developers tend to be interested in placing affordable housing units into these projects. Sometimes, you will find housing improvements that were designed specifically for people that have selected to lease a compact dwelling unit or even a studio as a substitute form of home ownership. In such cases, the developer will work closely with a local housing authority to get the project approved. There are even some developers that are helping to remodel or construct cheap housing units and paying to the construction expenses out of their own pocket due to the tax breaks that they can get if the development is regarded as a low income housing project.\nIf you are thinking about converting your current apartment into one of these kinds of dwelling spaces, it’s important that you consider the advantages that you will get by converting your apartment into one of these housing choices. Even if your present budget does not let you pay for a brand new studio sized flat, there are techniques to reduce the expense of owning an affordable apartment by altering your present home into these new housing types. Check with the local housing authority to find out what codes your apartment has to meet in order for one to legally rent these new apartment buildings. It could be a good idea to seek advice from an attorney before beginning any sort of conversion, however, in order to be sure that you are getting a great deal on your investment.", "label": "Yes"}
{"text": "Our previous publication, “The Equation of Willingness,” highlights a missing equation from the Modern Portfolio Theory driving economic performance. The equation balances economic freedom and market integration. The first term favors a Schumpeterian growth, while the second, a Ricardian growth.\nIn this letter, we experiment with the equation throughout the world to identify countries and economic zones that have found the optimal trade-off for value creation.\nAnd the winner is… Northern Europe.", "label": "Yes"}
{"text": "Squibb Group’s clash with HMRC stands as a cautionary tale illustrating the consequences of alleged tax irregularities. The firm faced accusations of improper payments by its directors, supposedly using company funds for personal expenses. The subsequent imposition of a hefty charge and allegations of underpaid taxes spanning several years led to a winding-up order by the High Court. Squibb Group denies these allegations and had appealed to the First Tier Tribunal (Tax Chamber) prior to the winding-up.\nUnderstanding the Troubles Faced by Squibb\nThe case of Squibb Group underscores the complexities and potential pitfalls of managing finances, especially in relation to tax compliance. Their alleged misuse of company funds for personal expenses, improper expense claims, and disputed deductions for business expenses served as the catalyst for HMRC’s pursuit.\nHMRC’s court submission contested the assertion that certain payments were exclusively for trade purposes, expressing disbelief in their legitimacy as genuine business expenses due to insufficient evidence. Additionally, HMRC questioned the authenticity of some submitted invoices. The tax body’s assessments span from 30th June 2003 to 31st January 2015, encompassing corporation tax and VAT sums. HMRC provided a detailed list to the court, highlighting over £4 million that directors were purportedly deemed to have inappropriately extracted or spent. Furthermore, HMRC hinted at potential additional claims, linking to their allegations of the company incorrectly claiming deductions for business expenses and understating its income.\nHMRC’s Allegations against Squibb Group\nHMRC’s investigations pointed to various discrepancies in Squibb Group’s financial dealings, including allegations of:\n- Improper Cash Extraction: Former directors allegedly withdrew cash from the company for personal reasons, not duly recorded in the director’s loan account.\n- Misuse of Company Funds: Company finances were purportedly used for personal and private expenses, involving extravagant costs such as constructing a home swimming pool with a slide and a lavish family holiday at the Gleneagles Hotel, invoicing a staggering £31,771.50.\nHMRC challenged these expenses, contending that they were not exclusively for trade purposes and lacked substantial evidence to validate their legitimacy as genuine business expenses. HMRC’s assessments, spanning from 30 June 2003 to 31 January 2015, encompassed corporation tax and VAT, totalling more than £16.5 million.\nHMRC is pursuing an additional amount of £1,654,771.63 from Squibb Group concerning PAYE, National Insurance, student loan repayment, and Construction Industry Scheme payments that the tax body alleges the company did not fulfill.\nSquibb Group’s Defence and Ongoing Dispute\nSquibb Group vehemently refuted these claims, contesting the assessments and penalties imposed by HMRC. Despite appeals and reviews against HMRC’s findings, Squibb Group faced increased assessments and penalties, prolonging the arduous nine-year-long dispute. The company continues to appeal to the First Tier Tribunal (Tax), aiming to challenge HMRC’s allegations, asserting that the tax investigation has created immense strain on the firm and its stakeholders.\nHow we can help your business appeal to the FTT\nThe procedural rules governing the First Tier Tribunal are found in the Tribunal Procedure (First-tier Tribunal) (Tax Chamber) Rules 2009 (SI 2009/273). The Tax Tribunal is completely independent of HMRC and is governed by an overriding objective to deal with cases fairly and justly (rule 2, First Tier Tribunal Rules (FTR 2009)). The Tribunal will consider the evidence of both parties, equally whilst the judge heavily relies on previous case law. We can lodge an appeal to the First-tier Tribunal (Tax Chamber) on behalf of your business against HMRC’s penalty decisions by taking the following steps\n- Initiating the Appeal: As a business, if you disagree with a decision made by HM Revenue and Customs (HMRC), the initial step is to file a formal Notice of Appeal with the First-tier Tribunal (Tax Chamber). This notice must articulate the grounds for the appeal, specifics of the decision being challenged, and include any pertinent supporting evidence.\n- Adhering to Time Limits: Ensure strict compliance with the appeal time frame, typically set within 30 days from the date of HMRC’s decision. Missing this deadline might jeopardize the eligibility of the appeal.\n- Completing the Appeal Form: Businesses need to complete the relevant appeal form pertinent to the tax matter under dispute. These forms are accessible on the Tribunal’s official website or obtainable directly from the Tribunal office.\n- Presenting Grounds for Appeal: Clearly articulate the reasons for disagreement with HMRC’s decision. This involves providing strong arguments and substantial evidence to bolster your case. Essential documentation, financial records, and correspondence exchanged with HMRC should be included to support your claims.\n- Thorough Case Preparation: Devote significant effort to prepare for the tribunal hearing. This encompasses collecting and organizing supporting documents, preparing comprehensive witness statements, and arranging legal representation, if deemed necessary for a robust defence.\n- Participation in Tribunal Hearing: The case will be heard before a judge at the First-tier Tribunal (Tax Chamber). Both the business (appellant) and HMRC will present their respective cases, provide evidence, and offer arguments. The judge will impartially assess the evidence and arguments before issuing a decision.\n- Receiving the Tribunal Decision: The Tribunal will deliver its decision in writing, outlining the verdict and rationale behind it.\nProtecting Your Business\nTo prevent finding yourself in a similar predicament, here are crucial steps to consider:\n1. Transparent Financial Records: Maintain clear, accurate financial records that adhere to tax laws. Ensure personal expenses are distinct from company finances.\n2. Compliant Expense Claims: Scrutinize business-related expenses meticulously. All expense claims should be legitimate and directly connected to business activities.\n3. Vigilant Compliance: Regularly review tax submissions to ensure accuracy and compliance with HMRC regulations. Timely rectify any discrepancies or errors identified.\n4. Seek Expert Guidance: Consult tax professionals or legal experts to ensure your business operations align with tax laws. Experts can offer invaluable insights and prevent potential pitfalls.\nWhat Sets Us Apart?\n1. In-Depth Knowledge: Our seasoned team possesses a comprehensive understanding of tax laws, regulations, and HMRC’s protocols, enabling us to craft robust legal strategies tailored to each unique case.\n2. Proven Success Stories: We pride ourselves on a stellar track record of achieving positive outcomes in tax disputes. Our history of securing favourable resolutions for clients stands testament to our commitment and expertise.\n3. Tailored Legal Solutions: Every case is unique, and so are our solutions. We provide bespoke legal guidance, meticulously tailored to address the intricacies of each dispute, ensuring our clients’ interests are protected.\n4. Vigorous Representation: When it comes to litigation, we advocate fiercely on behalf of our clients, leveraging our expertise to navigate legal proceedings and pursue the most advantageous outcome.\nExpert London Tax Lawyers\nWe understand the stress and complexities surrounding tax disputes. That’s why, at Lexlaw, we are dedicated to partnering with our clients, guiding them through the intricate maze of tax regulations, and tirelessly working towards achieving the results they desire.\nWe have years of experience negotiating with HMRC and handling tax appeals at the Tax Tribunals and in the High Court dealing with contentious tax disputes. We also work extensively with Accountants, Tax Investigation practices and former HMRC Officers to ensure your matter is handled correctly. The depth of our combined capabilities allows us to represent clients in a variety of situations, whether advising private or corporate clients during tax audits, pursuing administrative appeals, or litigating tax matters at the Tax Tribunal, Court or in tax appeals. Clients hire us because of our extensive experience in all areas, and especially because of our litigation experience – when necessary, we know when to go to the Tax Tribunal and we know how to litigate.\nHMRC TAX DISPUTES LEGAL ADVICE & DEFENCE\nOur lawyers have a track record of successfully challenging HMRC decisions and will assist you to get an optimal result. We analyse the merits at the very outset in an initial video conference together with leading (ex-HMRC and Big 4) tax litigation counsel. We provide urgent advice and representation to clients from our unique expert team of established Tax specialist solicitors and barristers with a proven track record of delivering results. Call us on +442071830529, or email [email protected].", "label": "Yes"}
{"text": "[THE INVESTOR] Mid-priced hotels are on the rise in downtown Seoul, especially in Dongdaemun area and Myeong-dong, to meet the demand of rising foreign tourists opting for budget options, industry officials said.\nAccor-Ambassador Korea recently opened Ibis Ambassador Dongdaemun in the popular shopping district, offering 242 rooms. This is the second hotel in the area by the Korean unit of the French hotel, after Ibis Budget Ambassador Seoul Dongdaemun.\nLotte City Hotel Myeongdong located in the bustling shopping area of Myeong-dong in Seoul\n“Many single tourists have increased recently, so it’s difficult to satisfy customers only with the Ibis Budget Hotel,” an official of the hotel told local media.\nBesides Ibis hotels, there are KY-Heritage Hotel Dongdaemun and Hotel the Designers Dongdaemun already, expecting more competition to heat up the area.\nMany new budget hotels have emerged in Myeong-dong, the tourist hotspot that was mostly filled with luxury, four-to-five-star hotels. According to industry officials, more than 2,000 new rooms have been added in the bustling shopping area that is close to many traditional districts such as Insa-dong and Gwanghwamun.\nHotel Lotte, the Korean retail giant Lotte Group’s hotel unit, opened two new business hotels in Myeong-dong in January, Lotte City Hotel Myeongdong and the operator’s first boutique hotel L7 Hotel Myeongdong.\nMarriott International opened its budget line Courtyard hotel in the area as well in May, while Starwood Hotel and Resort will join the trend and open its business hotel Aloft next February.\nWhile industry officials welcome the wider options offered to travelers, they also raise concern that the fierce competition could lead to a price war.\nBy Ahn Sung-mi (firstname.lastname@example.org", "label": "Yes"}
{"text": "Gold Standard has developed updated standard requirements under Gold Standard for the Global Goals. Based on the suggestions from the technical advisory committee the Agriculture and Forestry Activity Requirements have been separated.The updated Agriculture Activity Requirements (AGR AR) explains the basic eligibility conditions of Agriculture activities, and enables such eligible projects to undergo Design and Performance Certification, including issuance of Certified SDG Impact Statements and Products. The overarching conditions are explained in this document.\nPeriod of Consultation:\n2 Nov 2023-2 Dec 2023\nObjective(s) of Consultation:\nObjectives info goes here.\nHow to Submit Your Consultation:\nWe are now seeking views and comments on these new requirements. Please submit all feedback via the form by 2 December 2023.", "label": "Yes"}
{"text": "CBI in its press release has stated that it has arrested CEO of LIC Housing Finance Limited(LICHFL), Mumbai, Secretary (Investment), LIC, Mumbai, General Manager, Bank of India, Mumbai, Director (Chartered Accountant), Central Bank of India, New Delhi, DGM, Punjab National Bank, New Delhi, Chairman & Managing Director and other officials of a Mumbai-based private financial services company in a bribery case.\nCBI has further said that it has busted a racket wherein a private financial services company, its CMD and other associates were allegedly bribing senior officials of public sector banks and financial institutions for facilitating large scale corporate loans. They were also gathering confidential business information from Financial Institutions. Officers of top and middle management of PSBs and FIs viz. Bank of India, Central Bank of India, Punjab National Bank and LIC Housing Finance Limited were receiving illegal gratification from the private financial services company who were acting as mediators and facilitators for corporate loans and other facilities. Searches were conducted by CBI at Mumbai, Delhi, Chennai, Jaipur, Kolkata and Jalandhar and five separate cases have been registered by CBI and investigations are in progress.\nReports have been called by Department of Financial Services, Ministry of Finance from these institutions and the details as made available are as under:\nLIC of India : The CEO of LICHFL Shri Nair and Shri Naresh Chopra, Secretary (Investment), LIC have been arrested. Senior executives of a financial services company private limited have also been arrested in this case. LICHFL has issued a press release assuring its investors, customers and business associates that all necessary steps would be taken to ensure that interests of various stake holders are fully protected. It has also said that all procedures and due diligences consistent with Board approved guidelines have been adhered to in approving the loans by the competent authority. It has also indicated that all loans have been secured by underlying assets to the full satisfaction of the appropriate authority.\nBank of India: The CBI at Chennai had enquired about particulars of Shri Tayal, General Manager, Mumbai Large Corporate Branch who was earlier working in Chennai Large Corporate Branch and sought information on three accounts viz. OPG Power, BGR Energy and Ashapura Minechem, Mumbai. Of these three accounts, Bank of India has reported that only one is at present NPA on account of derivative losses. Shri Tayal was interrogated by CBI in Delhi on 23.11.2010 on the above three accounts. He has been arrested by CBI.\nCentral Bank of India : The Chartered Accountant, Director on the Board of the Bank Shri M.S. Johar has been arrested by CBI in this case. No official of the bank has been arrested. CMD, Central Bank has confirmed that as per information available there is no impact of the above development on asset quality\nPunjab National Bank: Shri V.K. Gujjal, DGM of the Bank has been arrested. Mr. Gujjal is working as Chief Operating Officer of PNB Investment Services Limited, a merchant banking subsidiary set up by the Bank and headquartered in Delhi. Prior to this he was working as DGM in-charge of Large Corporate Branch, Delhi from 30th May, 2009 to 22nd May, 2010. CMD of PNB has said that there is no information linking the above incidence to any loan account of the bank.", "label": "Yes"}
{"text": "China to take over the world of online gaming in 2016\nWhat's propaganda these days?\nAccording to a Taipei based Market Intelligence and Consulting Institure (MIC), China will be asking Pinky what the plans are tonight. The plan is to take over the world, the world of the online gaming market (that's a Pinky and the Brain reference).\nBy 2016, China will overtake the online gaming market if the current trends hold true.\nAs of 2014, the global online gaming industry has reached over $80 billion - that's 8% more than the previous year. The Chinese market is expecting to grow from $16.1 billion to $24.5 billion next year. This would bump up the Chinese internet compant Tencent that currenly accounts for 50-60% of the online gaming market. MIC also reported that the popularity of web-based games with no downloads required will go down, and mobile games will grow to 35% this year, up from 25% in 2014.\nThe PS4 was to launch in China on January 11th, but has been delayed indefinitely.", "label": "Yes"}
{"text": "Listings in Cleaning & Maintenance, Health & Personal Care, Telecommunications and Level 2: Up to $1,000\nMEDAlert™ makes personal emergency medical information available using today's technology, storing information on a compact digital memory device. It gives emergency professionals instant access to important information for providing the best care.\n93 Main Street\nPO Box 365\nLearn to quickly & easily install impressive Glow-in-the-Dark star ceiling murals and wall murals in homes & businesses for excellent profits. Enjoy outstanding profits installing in children's rooms and recreation rooms.\n93 Main Street\nPO Box 365\nAre you at the point of your career or retirement where you want extra income or savings? Have you wanted to dip into your retirement early tax-free to invest in a business that provides you more financial control of your life? Let us help!\n9701 Apollo Dr. Suite 301\nUpper Marlboro, Maryland 20774\nAre you ready to take control of your financial future? My Business Venture has developed a full e-commerce-enabled custom website package featuring state of the art technology. Own Your Own Superstore!\nDo you want the flexibility of a home-based professional business opportunity? Do you want to set your own hours and your own financial goals? Sit down with the team at Target Market Media Publications to discuss your professional future.\nRustGuy stops rust for good. Untapped market! Make huge profits applying RustGuy formulas in your area with your own business. Help your customers save and restore their vehicles, equipment and property at a fraction of the cost of replacement.\nConnect advance medical tests, products and innovative health care solutions with people, patients and doctors. Start your own medical tests and marketing company. Strong revenue streams and residual income.\nThis is a turnkey business opportunity and a proven business model in the ever growing billion dollar cell phone accessory industry. On average, consumers purchase five or more cell phone accessories each year.\nAge Safe America is dedicated to meet the growing need for Home Safety Assessments and Aging-in-Place Home Modifications. Take advantage of multiple revenue streams and the opportunity to be part of an exciting and rewarding industry.\nCash in on the emerging $7.1 Billion Cannabis industry! CBD products are being used worldwide and customers get instant, life-changing results with this miracle plant. We lead the industry with an aggressive 85% commission payout.", "label": "Yes"}
{"text": "AOV vs CR vs RPV vs GMV in Ecommerce: Important Metrics You Should Know (2024)\nWhether you’re an experienced ecommerce player or just entering the market, understanding and gauging the performance of your online store is vital for growth and profitability.\nThe four principal ecommerce metrics that can largely impact your revenue are the Average Order Value (AOV), Conversion Rate (CR), Revenue Per Visitor (RPV), and Gross Merchandise Value (GMV).\nWhat are eCommerce Metrics?\nEcommerce metrics are measurements that help you understand how your online store is performing. They provide an overview of the overall business health and can help in decision making and strategic planning.\nThese four metrics are essential for evaluating the performance of your ecommerce store from various perspectives, revealing the financial health of your business, and forming effective growth strategies.\n1. Average Order Value (AOV)\nAverage Order Value (AOV) representing the average total of each order placed by customers over a specific period of time.\nThe importance of AOV metric is it provides a glimpse into customer behavior indicating how much they’re prepared to spend each time they shop from your online store.\nUsing the ecommerce AOV metric is useful in measuring and evaluating your pricing strategy, promotional offers, and product selection. Morever, monitoring AOV enables insight into whether customers buy just one product or add multiple items to their cart every time they make a purchase. AOV can also reveal whether they’re purchasing high-value items or inexpensive products.\nTo calculate AOV, you simply divide your total revenue by the number of orders. For example, if your total revenue is $20,000 and you’ve had 400 orders, your AOV is $50.\nWhat does high/low AOV in e-commerce means?\nHaving a high Average Order Value (AOV) means that, on average, customers are spending a significant amount of money each time they place an order with your online store. This could indicate that they are purchasing multiple items or buying high-cost products.\nA high AOV is generally seen as favorable as it increases revenues.\nOn the other hand, a low AOV ecommerce metric suggests that customers are spending less money per transaction. This could mean they are only purchasing one or two low-cost items at a time.\nA low AOV ecommerce isn't necessarily bad, but it might signal opportunities to up-sell or cross-sell to increase the total purchase amount of each order, and hence, increase the overall revenue.\n2. Conversion Rate (CR)\nThe Conversion Rate (CR) stands as one of the vital heartbeat metrics to ecommerce business.\nConversion Rate signifies how successful your site is at funneling visitors to complete a conversion, usually a purchase. It’s a window into the effectiveness of your marketing initiatives, offering insights on customer behavior and your website’s usability.\nSimply put, if you have a high site traffic volume but low sales figures, your conversion rate is low. A high conversion rate, conversely, indicates your ecommerce strategy is on the right track - your site design is user-friendly, your product offerings and prices are attractive, and your users find what they’re looking for on your site.\nCalculating your conversion rate is reasonably straightforward. It’s the total number of conversions divided by your site’s total visitors within a set timeframe, multiplied by 100%. For example, if your site had 15,000 visitors in a month and made 1,500 sales, your conversion rate for that month would be (1500/15000) x 100% = 10%.\nRemember, optimizing conversion rates shouldn’t be a one-time project, but an ongoing strategy. Keep testing and tweaking various site elements to continually improve the user experience and bolster sales.\nWhat is a good conversion rate?\nA \"good\" ecommerce Conversion Rate (CR) can vary greatly depending on the industry, region, and the type of goods being sold. However, across industries, a general benchmark is that a good ecommerce CR is typically around 2.5% to 3%.\nThis means that 2 to 3 out of every 100 visitors to your online store are making a purchase, keep in mind that even a small improvement in CR can significantly boost your revenue!\n3. Revenue Per Visitor (RPV)\nRevenue Per Visitor (RPV) is another vital ecommerce metric that tells you how much revenue each visitor to your site brings on average.\nEcommerce RPV is calculated by dividing your store’s total revenue by the number of visitors. This metric is beneficial in assessing the effectiveness of your online marketing strategies and ensuring they’re cost-effective.\nIt allows you to see whether your marketing and promotional efforts are truly paying off in terms of increased revenue.\nLet’s say your online store makes $50,000 in one month and attracts 20,000 visitors. To calculate the RPV, you would divide the total revenue ($50,000) by the number of visitors (20,000). The result is $2.50 - so, on average, each visitor to your site that month generated $2.50 in revenue.\nIf your RPV is higher than the cost of acquiring (CAC) a visitor (through marketing or advertising costs), you’re in a profitable situation. But if it’s the other way round, it indicates that you are spending more to attract customers than they are bringing in as revenue.\n4. Gross Merchandise Value (GMV)\nGross Merchandise Value (GMV), also known as Gross Merchandise Volume, gives insights into the overall volume of sales over a specific period. Technically, GMV refers to the total value of goods sold through an ecommerce platform before any deductions for fees, commissions, returns, or cancellations.\nThis metric helps you understand the raw sales volume, giving an immediate understanding of the business’s scope and size. Therefore, tracking GMV can help you gauge the growth rate of your business and determine if you’re reaching your sales targets.\nIt’s worth mentioning that while GMV can show impressive sales volumes, it’s NOT indicative of profit. Nevertheless, a steady increase in GMV signals a positive wave in attracting and selling to customers.\nCalculating GMV can be quite straightforward; you multiply the price at which each product was sold by the number of those items sold within a given time period. For instance, if you sold 250 laptops at $300 each, your GMV for that particular product would be $75,000 in that specific time period.\nStrategizing and focusing on optimizing GMV can help increase your user base and order volumes, and when paired with other vital ecommerce metrics like AOV, CR, RPV, you will have a comprehensive assessment of your business’s performance and profitability.\nWhat is the difference between Revenue and GMV?\nWhile GMV and Revenue are both important metrics for ecommerce businesses, they represent different aspects of your sales performance.\nGMV, as mentioned earlier, is the total value of merchandise sold through your platform, without deducting any fees or expenses. It includes the total sales price of all products, including those sold by third-party sellers on your platform, if applicable.\nRevenue, on the other hand, is the actual income your business generates from sales after deducting any fees, discounts, or expenses. For example, if you're selling products on behalf of third-party sellers, your revenue would be the commission or fees you earn from those sales, rather than the full GMV.\nIn summary, GMV represents the total sales volume, while Revenue represents the actual income your business earns from those sales. Both metrics are crucial for understanding your ecommerce business's performance and making informed decisions to drive growth.\nUnderstanding and utilizing these four fundamental ecommerce metrics – AOV, CR, RPV, and GMV, can help businesses maximize their profitability and ecommerce success.\nBy tracking these metrics, you can spot trends, enhance customer experiences, streamline marketing efforts, and optimize your investment returns. As you set up your tracking and performance reporting, keep these four metrics at the top of your list.\nRemember, data guides the best decisions, and harnessing these insights can set you apart from your competition.", "label": "Yes"}
{"text": "A MESSAGE FROM THE CEO\nI am writing this message to update you on the status and health of your credit union in these difficult times in our society. With the scourge of COVID-19, the massive unemployment levels, and the revelation of inequality in the African American community, these are very tough times we are now experiencing. As it is, and always has been in this community, we have found a way to make it out of no way. The community has really stepped up to give support and encouragement to the Hill District Federal Credit Union, the only African American owned and operated financial institution in the tri-state area even in these challenging times. In the month of June, we opened 116 new accounts, our total assets have increased by more than 2 million dollars over the same period last year and we have been able to institute new services to help address our member’s economic downturn. If you know of anyone in the community that is having financial difficulties and need help and/or guidance, do not hesitate to send them our way. We know for a fact that in order to be blessed by God, you have to be a blessing to His people. Thank you one and all for having faith and confidence in the Hill District Federal Credit Union for the past 50 years and we look forward to continuing our mission in the community which is attending to the financial health of those we serve.\nSpread the word! We have room for all who want to join!\nRichard Witherspoon, Treasurer/CEO\nWhat can the Hill District Federal Credit Union do for YOU?\nBOARD OF DIRECTORS\nPresident ............. Earl Hord, Jr.\nTreasurer ............. Richard Witherspoon\nSecretary ............. Khamil Scantling\nDirector ............. Thelina Williams\nDirector ............. LaKeisha Wolf\nMarvin B. Prentice", "label": "Yes"}
{"text": "Combined Commercial as exclusive agents are pleased to present these rare and attractive units to the market.\nLocated within the tightly held Narellan bulky goods precinct, this property offers access to Camden Valley Way, Narellan Road and Camden Valley bypass. Additionally, the Hume Motorway/M5 & M7 Motorway is only a short distance away.\nThese units offer the astute purchaser the opportunity to secure an asset with strong income potential.\nWell-constructed units in a small complex of 5 units.\nOpportunity for investors or owner occupiers.\nThree of the five units are under offer - leaving only two available for purchase.\n* Property has fantastic exposure to Camden Valley Way\n* B5 Zoning\n* Securely fenced and gated\n* Functionally built and strategically positioned\n* Parking on-site\n* Individual amenities\n* Good internal clearance\nZoned B5 Business Development - encouraging a mix of business and warehouse uses, bulky goods and retail premises. (STCA)\nOther surrounding businesses within the precinct are the likes of McDonald's, KFC, Subway, Caltex and Horseland just to name a few.\nDISCLAIMER: Whilst we deem this information to be reliable the agent cannot guarantee its accuracy and accepts no responsibility for such. Interested persons should rely on their own investigations.", "label": "Yes"}
{"text": "Commercial mortgage brokerage closed loans with 180 lending institutions, the most in the firm’s 21-year history\nNEW YORK, Jan. 4, 2023 /PRNewswire/ — In 2022, Eastern Union — one of America’s largest commercial real estate brokerages — placed and closed loans with more lenders than in any year in the company’s 21-year history.\nDuring its first full year of leadership under president and CEO Abe Bergman, the firm placed and closed loans with 180 individual lending institutions in 2022, representing its largest lender roster ever. The ranks of Eastern Union lenders last year grew by 31 percent over 2021.\n“This new record is a testament to Eastern Union’s never-ending drive to find the right lender for any asset category,” said Mr. Bergman. “Eastern Union brokers are skilled at adapting their approach to make sure our clients achieve their business goals.”\nIn addition, the average size of new loans put under application in 2022 increased by 24 percent over 2021.\nAnd the size of the average loan put into process in 2022 increased by four percent over the 2021 average.\n“We attribute Eastern Union’s superior performance in 2022 to our commitment to client service,” said Moshe Maybloom, managing director at Eastern Union. “Leveraging our deep understanding of the lending marketplace, our nationwide brokerage team works relentlessly to secure the best rates and terms for our clients.”\nAmong the year’s standout transactions, senior managing director Michael Muller arranged an $83.33-million bridge loan in support of the acquisition of The Halsten at Vinings Mountain, a 440-unit multifamily property in Atlanta.\nIn addition, senior managing director Marc Tropp helped America’s Realty secure $73 million in financing to acquire one million square feet of retail space over a six-month period.\nBen Schwartz, a senior loan originator, closed a succession of 23 commercial mortgages valued at more than $100 million overall in a total of five states within a five-week period.\nAnd with two years on the job, 21-year-old Joseph Sasson — a commercial real estate loan originator — arranged for the $38.37-million refinancing of the Roseberry Apartments, a 285-unit multifamily property in Columbia, SC.\nThe company also witnessed steady deal flow in 2022 from its Healthcare Group under the leadership of Nachum Soroka and Jacob Schonland. Eastern Union also launched a new Hospitality Division led by Charles Hoffman and established an Investment Sales office in New York City under Ben Weiss, who came to the company after an 18-year tenure with The Besen Group, a New York City-based investment sales firm.\nFounded in 2001, Eastern Union is a national commercial real estate firm that provides both financing services and capital markets advisory services. It employs more than 90 real estate professionals and closes billions of dollars’ worth of transactions annually. Eastern Union leverages its relationships with lenders and its marketplace knowledge to secure the best available rates and terms.\nHeadquartered in New York, Eastern Union secures financing for transactions of all sizes across the United States. Transactions, which can include multi-state and multi-site portfolios, encompass conventional commercial mortgages, structured debt, healthcare, hospitality, mobile home parks, single-family rentals, investment sales, and — handled in conjunction with company affiliate Eastern Equity Advisors — equity placement.\nFor more information, visit www.easternunion.com.\n516 652 0785\nSOURCE Eastern Union", "label": "Yes"}
{"text": "London is home to almost a fifth of the United Kingdom's businesses, according to figures released by the Office for National Statistics.\n18.2 per cent of the UK's 2.5m businesses were based in the capital in March 2015 - up from 17.1 per cent in 2013.\nThis is more than the total number of businesses in Scotland, Wales, Northern Ireland and North East England combined.\nSouth East England had the next largest share, being home to 15.4 per cent of country's businesses.\nThe north of the country still had significantly fewer businesses - with North East England and Northern Ireland both having just a 2.7 per cent share.\nThey were home to just 66,000 and 67,000 VAT or PAYE based businesses respectively - six times fewer than London's total.\nBetween 2013 and 2015, all regions of the UK saw an increase in the number of businesses - although some saw greater increases than others, highlighting inequalities in the economy.\nLondon experienced the greatest increase of nearly 29,000 businesses - representing a growth of 6.9 per cent between 2014 and 2015. This growth accounted for 32.1 per cent of the country's total growth.\nBetween 2013 and 2015, while the number of London VAT or PAYE based businesses soared 15.6 per cent, others stagnated.\nNorthern Ireland saw no change - with 67,000 businesses between 2013 and 2015 - while Scotland and the South West saw growth of 6.3 per cent.\nLondon and South East England have the largest populations out of any regions in the UK - but they also have the largest number of businesses as a proportion of their population.\nLondon has 5,444 businesses per 100,000 people, while the South East has 4,366 per 100,000.\nThis contrasts North East England - which had just 2,542 businesses per 100,000, based on 2011 census population data.", "label": "Yes"}
{"text": "Finance Department receives prestigious Leadership Circle Silver Member Award\nWed, 08/06/2014 - 15:29 Edgar\nby JUDY GRIFFIN.\nDuring their regular meeting Tuesday evening, the City of Forney’s Finance Department was honored by Texas Comptroller Susan Combs for receiving the Texas Comptroller’s Leadership Circle Silver Member Award for the fifth consecutive year. The award is for continued progress for achieving financial transparency. The award recognizes local governments across Texas that are striving to meet high standards of financial transparency online.", "label": "Yes"}
{"text": "A bit OT, but I hope not too badly, and that someone on this board knows the answer.\nI'm considering transferring ownership of my home into an LLC, of which I would be the administrator. The property is subject to a mortgage, originated by USAA, currently owned by Fannie Mae, and serviced by Ocwen. I understand that one of these outfits would have to approve the transfer, but I can't get a straight story as to which one is empowered to grant (or refuse) such an approval. Is there any general statement that would apply to this situation. Thanks.\nHow long ago did you buy it?\nFreddie Mac has a restriction on transfers/sales within X months of closing on a purchase of a Freddie Mac f/c'ed property. The penalty is Y. On most of the contracts I have seen it is a 6 month restriction and a $10,000 penalty. But your area could be different. Look at your contract, the Freddie Mac addendum and it is specified in the addendum. Same with Fannie Mae if others are reading this. BTW, this penalty applies even if you paid cash for the property. It is a deed restriction.\nCheck your mortgage and your note to see the restriction about transferring into an LLC. I am not sure if the mortgage and note you signed prohibits any transfers or not. You are better off speaking to a real estate attorney about this transfer anyway. Bring all your documentation (contract, closing docs and copy of your note and mortgage) Don't attempt this transfer without an attorney anyway to prepare the LLC and the deed.\nIf you transfer into your own trust, that would be a different answer. You still would want to speak an attorney.\nThanks for responding. I bought the property in 2003, refinanced in August 2010. I am working with an attorney for setting up the LLC, and she asked me to ask the holder of the note if they would approve the transfer into the LLC. I suppose I should ask her my question, but hoped to get a broader input here (and run up fewer billable hours). I'd also be interested in how a trust would be different.\nYou have had the property 10 years so it is a non-issue with Freddie Mac. I am glad to hear you are working with an attorney and not doing it yourself, you will save yourself many headaches down the road.\nTo check with your note holder you have to go through your servicer and Ocwen is not really known for being cooperative at all. Remember the servicer is your contact. The servicer may or may not own your note. It is more common for the servicer to NOT own your note, but just to service the loan.\nA trust is different if you are the trustee as the servicer/note holder can't stop your transfer into a trust and you don't need permission from the note holder. This is a common move with estate planning. Naturally your attorney can give you the legal ramafications and details for your specific area.\nThanks. I'll update when I find out more ...\nMy Brother and I just formed an LLC through a Real Estate Attorney.\nWe are preparing to buy our first investment property, and we consulted with the Attorney about transferring this property under our LLC.\nHe named only two concerns/negatives:\n1. We would have to pay transfer tax twice. (once when we purchase it, and again when we transfer it)\n2. Banks have something called a Due on Sale Clause where if/when you transfer the deed, the balance of the Mortgage is due in full at that time.\nI have been in communication with the Mortgage Company that I have my primary residence home loan through, and it's like pulling teeth to get them to tell me (in writing, preferably) that they do not enforce any such clause.\nDoes anyone have any input on this? Does anyone know of a bank that either does not enforce such a clause or will finance an LLC?\nMy father and I are members of a local Rental Owner's Association, a local affiliate of the National Apartment Association.\nAt last months meeting, a local mortgage broker was speaking about financing investment properties. He discouraged the use of LLCs and citied a recent situation where a former client of his transfered the property into the LLC and the servicer actually called the mortgage due. After revieiwing his options, the guy actually ended up having to sell the property to satisfy the note.\nMy father and I have an LLC. Our original intent was to quit claim our properties into the LLC, but now we've decided to just utilize it as the assigned management company for the properties.\nYou can buy property in an LLC. It is easier to purchase the property for cash if you are going to hold it in an LLC.\nYou can also mortgage a property that is held in an LLC name - typically you have to personally guarantee the loan.\nIf you are looking at condo's - not all condos will allow you to purchase with an LLC.\nThat is why a trust works better when discussing your primary residence - you don't have these issues.\nFor investment properties there are different parameters. If you are using private money (sometimes called hard money) then it is much easier to purchase with an LLC rather than a trust for an investment property. There is an exception to this though - through a Self Dircted IRA purchase. This gets very complex. Best to speak to your CPA and attorney about it.\nYes, the transfer tax is paid twice if you first buy in your personal name and then transfer into an LLC. How most investors save the extra transfer is by buying in the LLC name right from the beginning and giving a personal guarantee if it is mortgaged. That way you are only paying transfer taxes one time.\nThe Due on Sale clause has been around forever.\nThank you very much for your responses!\nWe initially wanted to finance the property under the LLC, however, my understanding is that it is VERY difficult to find a lender who will finance the property to an LLC.\nThat would actually be our preference. Buying it in our name, and then transferring it is more like the Plan B.\nIf anyone knows of a lender who will grant financing to a new LLC, that would be great!\nThe properties we are looking at are $50k and under. We have the 25% cash to put down, of course.\nWe are ready to move forward now. We just need to find the right Lender.\nGreat place to get leads for this type of financing is your local real estate investment club, since they'd have other real estate investors who have probably looked into this before. Realize the terms of these types of loans will be less attractive than what you could get by financing it personally in your name.", "label": "Yes"}
{"text": "The Administrator of the United Nations World Food Program David Beasley once again called on Tesla CEO Elon Musk to donate part of his wealth to alleviate global hunger.Prior to this, he also released a plan outline to show the world’s richest man how to achieve this goal.\nBeasley (David Beasley) said that the “system” is in place to “avoid crisis for 42 million people on the brink of famine in 43 countries”. This is just a problem that needs to be “scaled up”, requiring US$6.6 billion. He stated that he will release a “broad and detailed plan” in the next few days.\nBeasley last week called on the super-rich such as Musk and Bezos to provide assistance to solve the problem of global hunger. He said that 2% of Musk’s wealth can solve the problem of world hunger, “US$6 billion can help 42 million people. If we don’t help them, they will die.”\nMusk responded to this on Monday, saying: “If the World Food Program can use transparent and open accounting to describe in detail how to use 6 billion US dollars to solve the global hunger problem, I will sell Tesla stock now.”", "label": "Yes"}
{"text": "2 MONTHS AGO WHEN THE WORLD CAME TO AN END !\nONTX(Onconova Therapeutics) a biotech company, hard-beaten by the markets the previous years show some signs of life and may be close to a strong reversal. Now(closing of 1/3/2020) at a price of 0.49 USD with a tiny market cap of 49 mil USD & having lost almost 90% of its cap in 2019 is another full of promises went bad biotech story. But our quantamental model for Biotech stocks has raised a flag pointing that there is a great chance for a possible reversal back to 1-3 USD share price, within the next 3-6 months. That’s a 100%-500% possible gain , but the risks are very big and the asset’s high volatility make it a choice suited more for the wild west type of traders.\nAn easy rider for our a-quant mobile app users!!\nFrom our quantamental ideas/signals back in June.\nShort at 44.16 , UBER now at 33.25 for a 24.7% profit.\nClose the position on Friday!\nNowadays , almost everybody is talking and probably using fintech solutions, especially in the smart payments sector. Such a name with great potential came up to our quantitative model’s attention, which is based on fundamental factors , SEC filings + analyst reports sentiment analysis, as well as price action based technical factors.\nEvo Payments (EVOP) is a US based company with a market cap of 2.6 Billion USD and a very considerable & fast evolving client base in the US & abroad. The filings and analyst & hedge fund reports give a very positive sentiment towards the stock and the funds’s interest has been growing steady and nicely.\nIt’s a July 2018 IPO, now at 31.53 that popped up in our model’s screen and gives us a probability of >71% to surpass 40 USD the next 6 months.\nTaking into account its volatility we would start building a position for the next months. Potentially it may become a multi-bagger holding in our portfolio.\nThe Mobile App Indices&Commodities Trading Signals(you can verify it at our mobile app easily)\nMay 2019 – June 2019 – 2 months period\nTotal trades : 30\nWin rate: 83.3% (25/30 win)\nAverage win: +0.34%\nAverage loss: -1.082%\nProfit per Trade Expected Value: +0.1% per trade\nBiggest Loss : -1.42%\nTotal Performance : 3.09% (Leverage 1:1)\nAnnualized Performance : 20%\nLast week for FX mobile trading signals\nTrading period: 25/6 – 28/6\nTotal trades: 30\nProfitable trades: 25\nWin rate: 83.33%\nNet profit: 138.5 pips (=1.3% performance in a 1:1 leverage strategy per position opened)\nAn excellent & lovely service , everyone of us uses doesn’t necessarily implies an excellent investment opportunity and UBER may be such a case. UBER one of the recent & most anticipated IPOs has been facing many headwinds and our quantamental model has raised a SHORT flag.\nBased on technical & fundamental factors , UBER now at 44.16 has a greater than 75% chance of underperforming the market within 2019. More specifically a price of 37 – 40 USD , a 10-20% fall from recent levels , has a chance of 72% the next 1-5 months. IPOs especially at their first months after their debut are very volatile up to some weeks after their unlock period.\nAlmost verybody likes playing games and all of us know characters like Mario, Yoshi, Pokemon , Zelda etc. Now there maybe a nice chance to profit from these , by buying the Nintendo (NTDOY) stock. The company which owns all the above characters and produces consoles & video game titles & characters is on our quant model’s radar, which has recently given its stock a very positive BUY signal based on fundamentals & technical factors. NTDOY at 44.13 currently has a greater than 72% chance to move higher than 20% in the next 6-7 months. Given a relatively not very bad market , the stock will over perform the market by a considerable margin , although its volatility must be taken into account when adding to our portfolio. $NTDOY $QUANT $STOCKS\nIn the recent full of mines environment is very hard to find opportunities , without being ready to sustain the possible short term pain. But in harsh conditions and even worse than this of the last days, there is a real chance to identify some real gems. One of this, is Paylocity Holding Corporation (PCTY) which is a cloud SW firm providing payroll & human resources management services. The stock now at 101.42 got a green flag from our stock selection quantamental model based on fundamentals & technical factors as inputs. It has a 85% chance of outperforming the market in the next 3-6 months, even though it had a run of more than 65% in 2019. We would suggest opening a small position and add gradually to it, if the market stabilizes and our hypothesis starts working.", "label": "Yes"}
{"text": "Every year, Small Business BC hosts an event for over 400 local entrepreneurs to come together, network, learn and discuss pressing topics. This year’s focus was social enterprises and it was an experience to remember.\nI arrived with very few expectations being my first year attending and was blown away by the overall atmosphere and the quality of the event. Located at the easy-to-find Science World, it was a unique venue with not only plenty of space, but an overall feeling of exploration, wonder, and the possibility that is core to Science World.\nThe evening consisted of networking, food, drinks, a panel of social entrepreneurs, and a keynote presentation all centered around social enterprises.\nImmediately following the networking hour, everyone made their way to the IMAX theatre where a panel of 5 inspiring entrepreneurs was ready to discuss social impact in business today:\n- Brian Smith, CEO – Persephone Brewing Co.\n- Denise Taschereau, Co-Founder and CEO – Fairware\n- Mickey McLeod, Co-Founder, President and CEO – Salt Spring Coffee\n- Peter Van Stolk, CEO – SPUD\n- Mike filling in for Janice Taylor of MAZU\nIn addition, Ratana Stephens, Co-Founder and Co-CEO of Nature’s Path Foods gave a wonderful keynote speech about the power of a triple bottom line, and the way Nature’s Path, and any business can have an exponentially bigger impact.\nWhile there were so many great ideas and discussion topics, two takeaways really stood out:\n1. Values Come Before the Business\nWhen asked how they got started building a social enterprise and whether the business came first, Mickey McLeod definitively answered, “the values came before the business”. This was echoed by almost everyone else on the panel. The way a social business is successful is by having the core beliefs, the absolute heart of everything, deeply rooted in the values from the very beginning.\nThis means that the values also need to come from the top. When you’re just starting with a small team it’s easier to cohesively buy-in to the values, scaling with that mindset is the challenge, and all of these entrepreneurs have done it.\nThis is in contrast to what was later referred to as “social washing” by Peter Van Stolk, in which some businesses try to put on the facade of caring about a cause. Real social focus organically comes from within and shows in every aspect of business. Brian Smith’s example of a “standing meeting item” in which they talk about how they can get more involved with their partner nonprofit is proof of a business living out its core values in the day-to-day.\n2. Businesses Have a Responsibility\nTo paraphrase Peter, it’s not just a nice to have, businesses have a responsibility to think about their impact, particularly in industries where a significant negative impact is known. “SPUD is able to produce only 0.5% waste on their food,” Peter described when comparing their business to the 10-times larger waste percentage produced from Walmart.\nIt might not be the easiest method, but it is our responsibility, not just a luxury to ensure we’re constantly striving for better ways of manufacturing, delivering and running businesses.\nLater in the evening, Ratana Stephens spoke about Nature’s Path’s mission (and her personal mission) “to leave the world a better place than when we found it”. This struck a chord because it sat in harmony with the idea of social responsibility, but to an even greater degree.\nWe’re at a point where we not only need to take responsibility for the harm we are doing to our planet on a regular basis but to strive to correct the damage. Through decades, if not centuries, of poor agricultural practices, manufacturing, food consumption and millions of other aspects, we need to not only stop digging ourselves deeper but actually start reversing the process. Easier said than done, but Nature’s Path is well on its way.\nThank you Small Business BC for a wonderful event, check out their website for more information on how to get involved next year!", "label": "Yes"}
{"text": "Welcome to Planning Services\nThe Ann Arbor City Planning Services provides expertise and information to advise and guide public and private community decision makers in achieving the best possible development, redevelopment, improvements and preservation for the benefit of the people who live in, work in, and visit the city.\nFind out more about our current and recent projects on the City Planning Initiatives page. Check out our Economic Health page for how we are working to achieve Ann Arbor's sustainability goal of a resilient local economy. The Zoning Maps\npage includes mapAnnArbor, the city's dynamic online mapping system, as\nwell as individual PDF zoning maps for downloading. Information about Citizen Participation in the development review process helps residents navigate the development review process.\nUnified Development Code (Chapter 55, Ann Arbor City Code)\nCity Council Adopted the Unified Development Code (UDC) on July 16, 2018. The Unified Development Code (UDC) went into effect on July 29, 2018. Beginning on that date, all zoning decisions and development reviews are made pursuant to this update code.\nLet us know what you think of the new format, we always appreciate feedback .\nUpcoming Citizen Participation Meetings\nNone at this time.", "label": "Yes"}
{"text": "The years after retirement can make up 25%-35% of a lifetime. Making sure this time is enjoyable requires thought and planning, which means looking realistically at the challenges and opportunities that people face at retirement. Some things to consider include:\nOver the past 20 to 30 years, most Canadians with stable jobs have enjoyed a steadily improving standard of living. However, it's unrealistic to expect that this trend will continue after retirement. Concentrate your efforts on keeping the standard of living that you enjoyed during the years just before retirement.\nInflation represents the largest single threat to your purchasing power. Your sources of income should offset inflation as much as possible, without creating a level of risk that you’re not comfortable with.\nMaking a budget, sticking to it, and managing your money well are most important after retirement. You may already be doing this, but your spending patterns will change after retirement and your expectations will be different.\nSpecial attention to money management will become crucial. Discover where you stand financially by completing the Current and Future Expenses worksheet to estimate how your expenses will change, category-by-category, when you enter retirement. Use the Income, Expense and Saving Statement to create a summary of your income and expenses, now and in retirement. Update both worksheets annually, identifying where adjustments are needed for your plan to stay on track.\nYou'll need to know about financial instruments, such as annuities, and retirement income vehicles, such as life income funds (LIFs) and registered retirement income funds (RRIFs). These may be completely unfamiliar to you. You should also be aware of the special income tax provisions that affect retired people.\nIf you're married, it's almost certain that one spouse or partner will outlive the other. Therefore, it's important to make sure that the survivor will have an adequate income.\nIt’s important that you know what to do and how to maintain control of your finances. Educate yourself in the tools, language, and art of managing your finances.", "label": "Yes"}
{"text": "The way it works is easy. How To Sell My Crypto On Etoro…You enter a starting point for your chosen period and then filter down the list of investments. The filtering criteria are established so that some financial investments have a higher possibility of ending up being profitable, while others are less most likely to do so. When the filtered down investments are chosen, there will be a link and percentage color coded to determine which financial investments are most likely to become profitable. You click on the link/color to determine which of the selected investments is the most likely to make you cash.\netoro trading assessment questions How To Sell My Crypto On Etoro\nThis is the appeal of the EToro system. There is no set cut off point. Some financiers are simply more consistent than others, while some might be profitable from time to time, but not consistently. Considering that there is no strict or rigid set cut off point to specify who the “most prolific” or “most successful” are, the Filter/Select technique provides you, the financier, a lot of flexibility to identify who is the most likely to make money for you … for your particular timespan and for your particular financial investment objectives.\nIf a financier wishes to leave out particular investments or specific time periods from his or her portfolio, they can. They also have the option to keep their picked financial investment mix in their own individual portfolio.\nIs eToro safe for beginners?\nIn addition to the monetary evaluations, the Investors’ column provides the most current (past couple of months) stock rates for popular stock classifications. Hot traders usually like to hang onto hot stocks, while cold traders tend to pull out of investments that have dropped. How To Sell My Crypto On Etoro", "label": "Yes"}
{"text": "|Title:||Do investors learn from experience? Evidence from frequent IPO investors||Authors:||YAO-MIN CHIANG\nSherman, Ann E.\n|Keywords:||G15; G24; G32||Issue Date:||1-May-2011||Publisher:||OXFORD UNIV PRESS INC||Journal Volume:||24||Journal Issue:||5||Start page/Pages:||1560||Source:||Review of Financial Studies||Abstract:||\nWe examine how experience affects the decisions of individual investors and institutions in IPO auctions to bid in subsequent auctions, and their bidding returns. We track bidding histories for all 31,476 individual investors and 1,232 institutional investors across all 84 IPO auctions during the period from 1995 to 2000 in Taiwan. For individual bidders, (1) high returns in previous IPO auctions increase the likelihood of participating in future auctions; (2) bidders' returns decrease as they participate in more auctions; (3) auction selection ability deteriorates with experience; and (4) those with greater experience bid more aggressively. These findings are consistent with naïve reinforcement learning wherein individuals become unduly optimistic after receiving good returns. In sharp contrast, there is little sign that institutional investors exhibit such behavior. © The Author 2011.\n|Appears in Collections:||財務金融學系|\nItems in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.", "label": "Yes"}
{"text": "Feb 1, 2022\nCounterfeiting is one of the most serious threats to real product legitimacy. Counterfeit goods account for around 8–9% of total trade, resulting in revenue loss. Holograms and barcodes are used by goods makers to combat this problem. The issue of the authentic product remains the market’s primary challenge. Quick Response (QR) codes provide a robust way to combat the practice of counterfeiting products, thanks to rising trends in mobile and wireless technology. QR code Product authentication are quickly becoming the industry standard for consumer goods.\nQR codes are two-dimensional barcodes. You may use a smartphone or a specific app to scan them. As a result, no additional equipment, such as a portable scanner, is required to view the connected material. QR Codes may also link to a limitless amount of material. A QR Code may be used to link a website URL, text, PDF, and other items. Another advantage of QR Codes is that you can track how often they are scanned. You may also receive the exact GPS coordinates of the QR Code’s scan site. QR Code Authentication uses a contactless card in the form of a QR code on a printed badge. By using a typical card reader, the QR code badge is scanned using the computer’s inbuilt camera\nQR codes and encrypted QR codes are largely utilized for traceability in counterfeit products, security, and privacy applications, in addition to being widely employed in marketing and information transmission applications. Anti-counterfeiting QR codes protect wholesalers and customers from counterfeit and non-genuine products simply by scanning a QR code. Many web applications employ QR codes for safe login, eliminating the need for the user to remember his or her login ID and password. QR codes are used to verify the encrypted unique user ID at the server.\nThe importance of production authentication in trademark protection cannot be overstated. Allowing customers to check the authenticity of your goods with track and trace solutions protects your business from a loss of trust and reputation, as well as brand degradation. Furthermore, a subpar counterfeit product disguised as a real one might result in a direct loss of sales to counterfeit goods.\nPirated products’ low quality or performance might lead to an increase in dissatisfied customers and complaints, which can only harm your brand’s reputation. In the worst-case situation, a counterfeit product might be detrimental to one’s health. With the broad usage of social media, poor product evaluations may go viral across the country and even beyond borders, amplifying the negative publicity.\nAnti-counterfeiting and product authentication must be founded on the following principles:\ni. Open standards, which will help with transitions in the event of service provider failures, vendor lockups, and market uptake.\nii. On security by “open design,” which means that the security is intended from the bottom up to be safe and based on code and procedures that are visible to a large enough number of users, depending on the masses’ efforts to uncover and shut any security holes. This strategy is used by all of the most popular open-source apps, and it is incredibly effective.\niii. On individual customer and consumer protection, prohibiting even a single product identity repeat scenario.\niv. On the most basic level of consumer or customer education.\nA product and service company’s supply chain organization is a complicated sequence of value-added services that begins with a component manufacturer and ends with the end-user consuming the product or service. Different supply choices that may exist in the form of products supplied by original equipment manufacturers (OEM) and after-market product firms add to the complexity. This increases the number of touchpoints for counterfeiting and the risk of reducing traceability in counterfeit products which is a big concern for most producers and branded goods.\nFortunately, QR Codes may be utilized to acquire a greater level of control over product traceability and counterfeiting. QR code Product authentication is provided against product counterfeiting and determines the authenticity of the product. The Counterfeit Identification Solution for Smartphones makes the end-user and the field sales representative active participants in the program to detect, track and trace counterfeit products. OEMs can print unique QR codes on their products’ labels and packaging. This QR code will include digital information about the product, such as the name, model number, manufacturing site, manufacturing date, batch, and so on. The features of the solution are:\ni. Counterfeit identification – It is marked as ‘QR registered’ when a consumer sends an SMS to a specific number to verify the validity of a product. If several SMS for the same QR code is received from a different place at a later time, it can be assumed that a counterfeit is in circulation. Because it alerts the corporation that mass copies of the same QR code have been circulated, this is counterfeit identification and works as a track and trace solution.\nii. Counterfeit tracking – Once the company receives many instances of the same QR code, it can attempt to contact the customer or sales representative for that area to further investigate the repeated ‘same label’ counterfeits. This will assist you to get closer to the counterfeiter’s source. This counterfeit tracking helps increase traceability in counterfeit products.\niii. Counterfeit control – Retailers will be careful of selling counterfeit once word gets out about the uniqueness of QR code labeling and customer registration. Because retailers have little control over end customers contacting the company, they will be wary of stocking counterfeit products. This will stifle counterfeit distribution and make QR code-enabled product trading unprofitable.\nPhysical anti-counterfeiting technology, technology of traceability in counterfeit products, digital technology, and holographic technology are all part of effective QR code technology. The most notable aspect of QR codes is the low reliance on specialized equipment, and the low cost, which is now second-dimensional code is still one of the key reasons for market share, and the present QR code is essentially an open-source algorithm that is easy to copy.\nWhile companies are doing their best to combat counterfeiting, technology is available to help take this a step further and make it more difficult for counterfeiters to thrive in the market. The QR code’s distinctiveness is well-known, and it serves as a powerful barrier to counterfeiting. This track and trace solution not only engages the client but also sends a strong statement from the company that it is doing everything possible to combat counterfeit goods and is employing technology to do so. This will aid in the ongoing strengthening of the brand image in the eyes of customers.\nMSRvantage Track and Trace solutions offer comprehensive and dependable methods for enhancing security and providing end-to-end visibility across trading partners. By authenticating, monitoring, and managing the flow of products along the supply chain, a track and trace solution can assist safeguard against counterfeiting and falsification of products. Serial numbers can be traced at numerous points across the supply chain, making it easier to spot where counterfeit goods have entered the system and allowing for complete traceability.\nTrack and Trace solutions use the immense power of distributed ledger technology to provide a secure environment for data exchange and workflow. It allows you to locate all products in their current and previous places. Serialization techniques aid in the detection of counterfeits and the protection of legitimate brands. Customers are increasingly more interested in safe and traceable products, which might assist to generate a competitive advantage. Build brand trust, loyalty, and confidence with a QR code product authentication solution and increase sales by reducing counterfeiting.\nIncorporating track and trace technology into manufacturing processes is becoming more common. They can exchange track and trace information with their customers. Customers will gain trust as a result of this, and they will be able to check the product’s validity. MSRvantage Track & Trace solutions can be relied on by industries and organisations in a variety of sectors for speed, transparency, traceability, efficiency, and accuracy.\nThe mining industry, with its rugged landscapes, massive machinery, and age-old traditions, may seem like an unlikely candidate for technological innovation. However, beneath the earth's\nIn the modern era of manufacturing, the synergy of two transformative technologies, the Internet of Things (IoT) and blockchain, is reshaping the industry's landscape. These\nIn an era of increasing consumer awareness and demand for transparency, the dairy industry faces growing challenges. Consumers want to know where their food comes", "label": "Yes"}
{"text": "A nursery group in Bristol has confirmed they are increasing their fees for infants ahead of the expansion of free childcare hours for working parents. The Government previously announced eligible families of children as young as nine months old would be able to claim 30 hours of free childcare a week by 2025.\nFrom April 2024, working parents of two-year-olds will be able to access 15 hours of free childcare and 15 hours of free childcare will be extended down to the age of nine months for working parents in September 2024. All working parents of children under the age of five will be entitled to 30 hours of free childcare a week from September 2025.\nWhile the news of free childcare are good news for parents and families, nurseries are trying to fill funding gaps for the new Government scheme by increasing fees from April onwards. Raised In Bristol, which has nurseries in Easton, St Pauls and Southmead, has announced its fees for babies, toddlers and pre-school children will increase from April.\nParents of babies aged six months to two years will pay £95 for a full day, £47.50 for a morning between 8am until 1pm and an afternoon between 1pm and 6pm. This will increase to £109 for a full day and then £54 for a morning or afternoon session from September.\nFamilies of toddlers aged 24 to 36 months will pay £94 for a full day session and £47 for morning or afternoon sessions from April onwards. Pre-school children aged 36 months and above will cost £81 for a full day session and £40.60 for a half day session.\nThe increase in fees is around £20. Raised In Bristol is believed to be the first nursery in Bristol to publicly increase their fees ahead of the Government childcare plan.\nA spokesoerson for Raised In Bristol shared: “Raised in Bristol is a not-for-profit social enterprise committed to delivering the very best early years education and care while supporting community organisations. The decision to increase fees is never taken lightly, and is to ensure sustainability for our families, community partners and valued team, now and into the future.\n“Our fees reflect the cost of delivering high quality education and care. We’re in frequent and open communication with our families regarding our fees, especially so this year when new funding entitlements are being introduced with additional complexity.\n“We have always been, and remain committed to being, a Real Living Wage employer, valuing the skilled and dedicated work of early years professionals.”\nChancellor Jeremy Hunt told the BBC the Government is \"on track\" to deliver a planned expansion of free childcare in April. Many senior nursery figures have welcomed the Government’s announcement but remarked the policy does not address the “inadequate funding baseline from which providers are forced to operate”.\nPurnima Tanuku, chief executive of National Day Nurseries Association (NDNA), told PA news agency: “In the current financial climate, we welcome the fact that the Chancellor has listened and committed to additional funding indexed to rising costs for 2025/26 and the year after.\n“We hope the Government continues to listen to the sector about the challenges providers are facing.”\nMs Tanuku added: “We would have liked to have seen some immediate support to providers with their current three and four-year-old funding. Our recent survey showed that 83% say funding doesn’t cover their costs and 73% expect to make a loss overall or just break even.\n“The Government must continue to work with the sector to ensure parents and families are able to access the expanded offer and providers can deliver this sustainably.\n“It’s very disappointing that the Chancellor didn’t extend the business rates discount to the childcare sector where it is desperately needed.”", "label": "Yes"}
{"text": "Production Mezzanine Floors\nThe use of mezzanine floors is becoming an increasingly popular choice in UK production and manufacturing environments for companies looking to expand the scale of their operations.\nThe Role of a Mezzanine in a Production\nA mezzanine level, when installed in a production or manufacturing environment, enables a business to increase productivity by utilising the space that is already available to them in the volume of their premises.\nRather than go through the costly and time consuming activity of relocating, bringing additional facilities to the existing location is often the perfect way to achieve the increased production capacity that a business requires, enabling them to grow whilst remaining flexible to meet demand.\nMezzanine floors can be designed to accommodate all kinds of manufacturing equipment and production lines, and can integrate with existing logistics and storage systems.\nIn addition to increasing production, mezzanines can be useful for increasing storage for finished goods, or to be used as office spaces.\nProduction Mezzanines from Avanta\nFrom single to multiple tier systems, Avanta individually designs and installs mezzanines for businesses throughout the UK. In addition to the mezzanine level itself, we can also supply and install factory equipment including workbenches, trolleys, conveyors and steps for the complete production package, which makes the project even more cost and time efficient.\nAll our systems are designed to be fully compliant with all relevant aspects of Building Regulations and we can handle all necessary paperwork as part of the design and installation.\nWe offer a free site survey and our team will work with you to design a system tailored to meet your individual requirements that works perfectly in your premises.\nContact Us for more information or to organise your free site survey.", "label": "Yes"}
{"text": "Rolls Royce case: CBI registers preliminary enquiry\nNew Delhi: CBI on Friday lodged a Preliminary Enquiry (PE) into alleged bribery in the Rs 10,000 crore deal for supply of aircraft engines to state-owned Hindustan Aeronautics Limited (HAL) by London-based Rolls Royce.\nThe agency has named unknown officials of HAL, owner of Aashmore Private Limited Ashok Patni and Rolls Royce in the PE that was registered after a complaint was received from the Defence Ministry to look into the supply of engines to HAL.\nAccording to the PE, the agency would be probing alleged payment of bribe or kickbacks in the purchase of spare parts of the engines of the helicopters to the industrial and marine gas turbine division of HAL.\nThe allegations surfaced in the form of a letter received by HAL recently claiming that bribes were paid to officials in HAL and other departments concerned to bag contracts.\nRolls Royce had conducted an internal audit in which it was found that money had been paid to Commerical Advisor -- Aashmore Private Limited -- allegedly as kickbacks to swing the deal in favour of the UK-based company.", "label": "Yes"}
{"text": "It is a well-known observation: if, by separating, the women and the men both leave feathers, the loss of standard of living directly attributable to the rupture is more important for the former than for the latter.\nAn INSEE study shows that this drop is of the order of 20% for women and only 3% for men (“ Variations in the living standards of men and women following a divorce or the termination of a PACS ”, Insee References, 2015). What is less well known, however, is the tax treatment of the financial consequences of divorce, in particular alimony, which contributes to reinforcing the inequalities created by the separation.\nWhen the payment of alimony for the children is foreseen, in 97% of cases, it is paid by the father (“Report on family ruptures from the High Family Council”). However, the father will be able to deduct this pension from his taxable income. This amounts to deducting the costs related to the maintenance of his children, when he could not do so when he was married or in a civil partnership (in this case, the children are taken into account through the family quotient) .\nAs long as the children are minors, the pension is fully deductible. The tax savings provided by this deduction are proportional to the father’s tax level.\nConcretely, deducting a pension of 12,000 euros per year allows the father to realize a tax saving of 3,600 euros if he is in the marginal bracket at 30%, a saving which climbs to 4,500 euros if he reaches the bracket. highest at 45%.\nConsequence: it is more advantageous for a well-to-do father to deduct a pension than to benefit from the tax advantage linked to the family quotient, which is capped at 1,570 euros per half-share (3,704 euros for the first part of the “parents”). isolated ”).\nThe privilege of the French\nFor Céline Bessière and Sibylle Gollac, authors of the essay The Kind of Capital (The Discovery, 2020), “The taxation of alimony is a gift from the State to men of the middle and upper classes, which reinforces the inequality with their ex-spouse”. Because, for her part, the mother is taxable on the pension received. This can cause her to lose the benefit of certain social benefits and reduce the amount of housing assistance to which she can claim.\n“This pension should not be taxable, because it does not constitute a replacement income, but a sharing of the expenses of maintenance of the child between his parents. Moreover, this tax treatment goes against what is practiced mainly abroad where the pension is neither deductible for the one who pays it, nor taxable for the one who receives it ”, estimates Lise Chatain, lecturer at the Faculty of Law and Political Science of Montpellier.\nYou have 24.67% of this article to read. The rest is for subscribers only.", "label": "Yes"}
{"text": "Lower inflation contributed to slowdown in Russian grocery market growthMore information on this topic is presented in the PMR report:\n- December 2017\n- Delivery: PDF / online access\n- Go to shop »\nThe Russian grocery retail market increased by only 4% in 2016, which was a major slowdown, as over the last few years the market had been growing in double digits, according to PMR’s new report “Grocery retail in Russia 2017 – Market analysis and development forecasts for 2017-2022”. The main reason was that whereas in 2014-2015 the market’s growth – whilst negatively affected by the rouble’s depreciation and by the overall crisis in Russia’s economy – was supported by rapid price increases (the grocery segment includes mostly staples that consumers have to buy regardless of the economic situation), in 2016 this effect weakened considerably as inflation eased.\nIn 2017 and subsequent years, the grocery market will grow slightly faster than in 2016, according to our forecasts. However, a return to double digit-growth rates should not be expected. What is more, if the sanctions and Russia’s subsequent countersanctions are abolished and imports of Western products to Russia increase, the growing supply might result in a further slowdown of prices’ increase. Market growth will not be fuelled by inflation to the extent it was in previous years. However, this effect will be partially nullified by the increasing demand for more expensive, Western products. Also, the market’s growth will be supported by growing consumer confidence and the increasing sales value of large-area store chains, which plan to continue their expansion.\nThe grocery sector is still one of the least affected sectors by the macroeconomic and political situation in the country. In 2016, the grocery segment accounted for more than 61% of the whole Russian retail market, and its share – which had grown for several years – will likely remain at the current level in the years ahead.\nThe Russian grocery retail market is still vastly dominated by alternative channels of distribution, including open-air markets, smaller traditional stores or specialist outlets, among others. Nevertheless, it is home to many modern retail chains. The majority of them are still of domestic origin – only five of the top 20 grocers are foreign, with the French-based Auchan taking the third position by sales as of 2016.\nInterestingly, the list of the five largest domestic retailers on the Russian grocery market remained unchanged but there was a reshuffle of the top two players. Magnit has been the largest grocery player by sales for the last three years, but in 2016, its main rival, X5 Retail Group, took the top spot. What is more, it is worth noting, that the grocery retail sales revenues of both Magnit and X5 Retail Group exceeded RUB 1tr (€13.5bn) in 2016.\nHowever, despite X5’s leadership in terms of sales, Magnit remained the largest grocery company in terms of store count with close to 11,000 stores in 2016. And it will maintain this position also in 2017, even despite the very rapid expansion of X5, whose brands are expected to grow their estates the most this year. In late November 2017, X5 already opened its 11,500th grocery store in Russia. It is also worth noting that Magnit and X5 account for almost three-quarters of all stores owned by Russia’s top 20 grocers by sales. Their dominance is particularly evident in the discount segment, where they account for about 90% of all stores and over 70% of sales turnover via their Pyaterochka and Magnit chains.\nDiscounters channel is the largest modern grocery channel in Russia, as well as the one with the highest growth perspectives. This is due to the continued high popularity of the format among Russian customers. Discount stores became highly popular during the economic crisis as Russians looked for lower prices and cheaper brands, but the format is also benefitting from the trend toward smaller and more frequent purchases closer to home. Hypermarkets, however, are also still popular with Russian consumers, and retailers continue to actively expand in this channel, albeit at a slower pace than in previous years. During the crisis, people started to hunt for discounts and promotions even more; and private labels continue to gain in popularity in both food and non-food categories. These two factors positively influence sales in both these modern retail formats.\nThe majority of Russia’s top grocery retailers operate in more than one store format, and Dixy Group is present in all the modern retail formats. Retailers tend to diversify their format’s portfolio in order to reach more consumers. It is also worth noting that there are grocery retailers who have decided to cease developing certain formats altogether in order to focus on other, more promising ones. One example is X5, which says it may stop opening new convenience stores under Perekrestok Express banner. Another is O’Key, which intends to sell its eponymous supermarkets.\nThe growing popularity of online sales is also visible on the Russian grocery market, however, this distribution channel has not yet fully developed. The main problems are costs of logistics and the sceptical attitude of Russian consumers towards online sales. Only a few of the large retailers have their own online stores. Thus, there is great potential in this channel. In 2017, X5 launched online food sales based on its Perekrestok chain; Auchan plans to do the same in the near future.\nMore information on this topic is presented in the PMR report:\nGrocery retail market in Russia 2017. Market analysis and development forecasts for 2017-2022", "label": "Yes"}
{"text": "The report for Global String Inverter Market of Market Research Future comprises of extensive primary research along with the detailed analysis of qualitative as well as quantitative aspects by various industry experts, key opinion leaders to gain the deeper insight of the market and industry performance. The report gives the clear picture of current market scenario which includes historical and projected market size in terms of value and volume, technological advancement, macro economical and governing factors in the market. The report provides details information and strategies of the top key players in the industry. The report also gives a broad study of the different market segments and regions.\nSample Request @ https://www.marketresearchfuture.com/sample_request/2083\nEach installation requires a mean of conversion from DC to AC such as solar inverter systems, which facilitate generated electricity to be fed into the power grid. Rising demand for continuous and reliable power sources as well as easy installation & customization are some of the factors which drives the market of string inventor. String inverters are used in residential, commercial & industrial, and utilities. Increasing consumption of solar energy across the world is referred as one of the major driving factors for the market. The string inverter market is expected to be driven by decreased cost, removing systems monitoring capabilities. Moreover, Reliability, accessibility and high efficiency will propel global string inventor’s market share in the forecasted period. Increasing renewable integration in Utility scale large projects is further accelerating the growth of string inverters market. On the other hand, heat loss due to the large size of the inverter is acts as a major restraint of the global string inverter market.\nResearch Institute / Education Institute\nProduct matrix which gives a detailed comparison of the market for different recycled product types\nGeographical analysis across 15 countries\nProfiling of 10 key market players\nIn-depth analysis including SWOT analysis, and strategy information of related to report title\nCompetitive landscape including emerging trends adopted by major companies\nInquiry before Buying @ https://www.marketresearchfuture.com/enquiry/2083\nThe major player operating in the market of Global String inverter are SolarMax, Huawei Technologies, Sungrow Power Supply, Fronius International, KOSTAL Solar Electric, Growatt New Energy Technology, Schneider, Ingeteam, Ginlong Technologies, Advanced Energy Industries, KACO New Energy.\nStudy Objectives of String inverter markets Market.\nTo provide detailed analysis of the market structure along with forecast of the various segments and sub-segments of the String inverter markets Market.\nTo provide insights about factors affecting the market growth.\nTo analyze the String inverter markets market-based porter’s five force analysis etc.\nTo provide historical and forecast revenue of the market segments and sub-segments with respect to four main geographies and their countries- North America, Europe, Asia, and Rest of the World (ROW)\nTo provide country level analysis of the market with respect to the current market size and future prospective\nTo provide country level analysis of the market for segment by, and sub-segments\nTo provide strategic profiling of key players in the market, comprehensively analyzing their core competencies, and drawing a competitive landscape for the market\nTo track and analyze competitive developments such as joint ventures, strategic alliances, mergers and acquisitions, new product developments, and research and developments in the Conveyor system.\nCheck Discount @ https://www.marketresearchfuture.com/check-discount/2083\nAsia-Pacific is expected to dominate the global string inverter market during the forecast period, owing factor such as growth on account of increasing clean fuel electricity demand. Moreover, Government initiative such as Jawaharlal Nehru National solar mission in India, to encourage solar system adoption as well as policies such as feed-in tariffs referred as motivating factor for the growth of the market.\nWhereas, Americas expected to be the fastest growing market due to increasing demand for electricity combined with the area’s high irradiation levels, making the region ideal for PV installations.\nAbout Market Research Future:\nAt Market Research Future (MRFR), we enable our customers to unravel the complexity of various industries through our Cooked Research Report (CRR), Half-Cooked Research Reports (HCRR), Raw Research Reports (3R), Continuous-Feed Research (CFR), and Market Research & Consulting Services.\nMRFR team have supreme objective to provide the optimum quality market research and intelligence services to our clients. Our market research studies by products, services, technologies, applications, end users, and market players for global, regional, and country level market segments, enable our clients to see more, know more, and do more, which help to answer all their most important questions.\nIn order to stay updated with technology and work process of the industry, MRFR often plans & conducts meet with the industry experts and industrial visits for its research analyst members.\nMarket Research Future\n+1 646 845 9312\nCompany Name: Market Research Future\nContact Person: Abhishek Sawant\nEmail: Send Email\nPhone: +1 646 845 9312\nAddress:Market Research Future Office No. 528, Amanora Chambers Magarpatta Road, Hadapsar", "label": "Yes"}
{"text": "TOP 10 European Hydroenergy Generation in February 2022\nNorway is the largest country in Europe for hydropower.\nAccording to the statistics of Chaodian Think Tank, in February 2022, the total power generation of TOP10 countries in Europe with hydropower generation was 31.3TWh (1TWh=1000GWh), and the TOP10 countries accounted for 91.8% of the total hydropower generation in Europe that month.\nNorway’s hydropower generation in February 2022 was 8.2TWh, accounting for 33.1% of Europe’s hydropower generation in that month.\nNorway is the sixth largest hydroelectric generating country in the world and the largest hydroelectric generating country in Europe. There are many mountains and valleys in the country, and there are abundant water resources. There are nearly 1,000 hydropower stations in the territory, and 96% of the domestic power supply comes from hydropower.\nHydropower is not only enough for the whole people to use, but it is often surplus, and electricity will be exported to neighboring countries, such as Sweden and Denmark.\nSweden, which ranks second, has a hydropower generation capacity of 5.9TWh in February 2022, accounting for 17.3% of Europe’s hydropower generation capacity in that month. It has formed a cooperation with Norway, and the two complement each other in hydropower generation.\nThe third is France’s 3.7TWh. In order to alleviate the shortage of energy supply and promote the demand of renewable energy, the development of offshore wind power projects has become one of the key directions of France’s energy transformation. According to the “France 2030” investment plan, France will invest 300 million euros in special funds for the development of floating offshore wind power in the future, and set a target of 18GW of available offshore wind power capacity in 2035.", "label": "Yes"}
{"text": "It’s CSA Sign Up Season, and farms all over the greater seacoast have lots of different choices to offer you in Community Supported Agriculture Shares.\nOne of our favoritest things is when new farmers find a great spot to start their new businesses. Orange Circle Farm is helmed by Jeffrey Benton, who has worked at several area farms over the past years, and is now starting his own farm in Stratham.\n“The Orange Circle Farm CSA includes 20 weeks of fresh produce starting in early/mid June and continuing into October. Shares will be pre-boxed at pickup where there will be additional vegetables available to supplement your share. An egg CSA option is also available. Pick ups are in Kittery or at farm in Stratham.”\n(Not sure what CSA is all about? Start here.)\nWe’re hosting two CSA Days at the Market on February 8th in Exeter and February 22nd at Wentworth Greenhouses, where over a dozen CSA farmers will be available to talk to you about their options. In anticipation, we asked the participating CSA farms to answer 4 questions. Here’s what Jeff Benton of Orange Circle Farm had to say:\n4 Questions (+ their answers) for Orange Circle Farm:\n1. What is the best thing about your CSA?\nThe best thing about the CSA at Orange Circle Farm is getting to be a part of a new farm and participate first-hand in the growth of local food.\n2. What new, exciting, or interesting thing are you offering in your CSA shares this year?\nEverything will be new in this first year of Orange Circle Farm including the eggs, the canning workshops and or course, sweet potatoes (my personal favorite).\n3. Why is CSA important?\nThe CSA model creates a clear, consistent platform for a sincere relationship between customers, farmers, the land, and the food that is changes hands.\n4. Why do you farm?\nI farm because it’s the only way of life that I’ve found continuously challenging and rewarding.\nMeet the farmer of Orange Circle Farm and more CSA farmers during the CSA Days at the Winter Farmers Markets in Exeter on February 8th and at Wentworth Greenhouses, February 22nd, 10am to 2pm.", "label": "Yes"}
{"text": "The research document entitled Global Human Immunoglobulin for Intravenous Injection Market 2020 by Manufacturers, Regions, Type and Application, Forecast to 2025 offers answers to decisive market-specific growth by rightly identifying industry needs, vendor activities, and latent growth opportunities with promising growth potential. The report focuses on defining, describing, and analyzing the market competition landscape, market share, and development plans in the upcoming years. The report covers a host of metrics like supply-demand ratio, market frequency, market trends, dominant players of market driving factors, challenges, prospects contains a forecast of 2020 and ending 2025. The research highlights the key elements influencing the market, the constraints, and the difficulties that could affect market development.\nBrief Introduction of The Report:\nThe key segments expected to dominate the market such as product type, application, and regions are discussed in detail in this report. Global Human Immunoglobulin for Intravenous Injection market report presentation has been placed to ensure maximum investment returns amongst market participants inclusive of both established contributors as well as aspirants eying absolute market involvement. Readers eying complete market penetration are offered ready-to-refer investment guidance in the market report. The report presents a detailed synopsis of the current market scenario along with versatile details on the overall key trends, as well as threats and challenges that seem to significantly impact revenue generation in the market.\nDOWNLOAD FREE SAMPLE REPORT: https://www.marketquest.biz/sample-request/27121\nNOTE: Our report highlights the major issues and hazards that companies might come across due to the unprecedented outbreak of COVID-19.\nKey players profiled in the global market include: Tiantan Biological, Boya Biological, Hualan Biological, Taibang Biological, Weiguang Biological, Shanghai Laishi, Paisi feike, Yuanda shuyang, Zhenghua Shenghua, Nanyue Biological, Kangbao Biological, Lvshizi, Zhongyuan Ruide\nIn market segmentation by types, the report covers: Children, Adult\nIn market segmentation by applications, the report covers the following uses: Disease Prevention, Treatment, Diagnosis, Other\nThe key focus of the report includes details specific to the following regions: North America (United States, Canada and Mexico), Europe (Germany, France, UK, Russia, Italy, Spain, Benelux, Nordic), Asia (China, Japan, Korea, India, Southeast Asia, Australia and Taiwan), South America (Brazil, Argentina), MENA (Saudi Arabia, UAE, Turkey)\nDetails on product and service portfolios, production and consumption ratios as well as revenue generation tendencies have been roped in the report. The report establishes a detailed overview of relevant references to market dynamics. Market segments comprising market type and application have been widely discussed in the report. Volumetric and value-based growth estimations of the global Human Immunoglobulin for Intravenous Injection market have been elaborated in the report.\nA Point-Wise Synopsis of Report Offerings:\nCustomization of the Report:\nThis report can be customized to meet the client’s requirements. Please connect with our sales team (email@example.com), who will ensure that you get a report that suits your needs. You can also get in touch with our executives on +1-201-465-4211 to share your research requirements.", "label": "Yes"}
{"text": "The interest in promoting food and water security through development projects has led to the need for tools that can evaluate the impact of these projects and ensure that they reach the most vulnerable and enhance the quality of life for the members of the community (Gertler et al., 2011). This study brings together the stochastic frontier model with impact evaluation methodology to measure the impact on farmers’ technical efficiency (TE) within a modern irrigation technology transition framework. Deciding to adopt or not a new agricultural technology is not necessarily a random determination. Unobserved heterogeneity across the farms in the sample can have an impact on the farmer’s decision to adopt the new technology.\nTherefore, selection bias can be present, and when the model is not correcting for it this can lead to biased measures of economic performance. In this study, we apply both Heckman (1979) and Greene (2010) specifications to correct for self-selectivity biases, and then we measure and compare technical efficiency scores (TE) resulting from these models. The empirical application uses data covering 56 small-scale greenhouse farms, cultivating vegetables, from Crete (Greece) for the cropping years from 2009 to 2013 transitioning from drip to overhead sprinkler irrigation technology. Results from the stochastic frontier model corrected for self-selection reveal that there is significant selection bias in the sub-sample of adopters and, if the model does not control for this bias, an overestimation of the technical efficiency scores can be observed.\nAlso, adopters' technical efficiency scores are lower than those of the non-adopters when the corrected for self-selection stochastic frontier model is applied. This implies that in the short-term the adoption of the new irrigation technology has a cost in terms of technical efficiency. However, this outcome can be explained by the fact that after the adoption of new technologies, farmers may need more time to incorporate the know-how of the newly acquired technology in the production process.", "label": "Yes"}
{"text": "Q1: I don’t mind giving for our current needs, but why should I worry about the church’s property needs 10 years or more from now?\nA: For more than 2000 years, Christians have handed the Church forward to the place it is now — in our hands. As Christians, we care about the future: that’s who we are and what we do. If those who came before us over the past 127 years hadn’t cared about the future, there would be no St. John’s, Roanoke at all. They cared about things bigger than themselves, and who isn’t hungry to do the same today? Our forebears placed into our care this vibrant church with the expectation that we would hand it to the future in, at a minimum, as good shape as they gave it to us. Over the generations, what a gift. And responsibility. AND opportunity!\nQ2: May I designate my commitment to support one particular phase of the campaign?\nA: Yes, you may. While undesignated gifts enable us to fund all of the campaign components, we understand that certain phases will resonate strongly with certain individuals. We know that when you give where your heart is, your joy is multiplied in seeing the fruits of your generosity.\nQ3: Why haven’t we been putting money into a reserve account all along?\nA: We have! After a comprehensive analysis of our non-recurring property needs a decade ago, the Vestry has regularly allocated between $30,000 and $65,000 a year to a property account to address these needs. Unfortunately, our aging facility is requiring an increasing amount of annual financial support, and our reserves are just not keeping pace. This deficit must be addressed. The costs for routine property needs and maintenance (about 6% of our annual operating budget) will continue to be paid from the operating budget. The new funds we are raising will be used for major capital needs over and above minor repairs and normal everyday maintenance expenses.\nQ4: What is the status of our current Property Reserve Account?\nA: At this writing, we have $170,000 in the Property Reserve Account–not an adequate amount to cover the $1 million in expected needs.\nQ5: Doesn’t St. John’s have other special investment accounts with monies that could be used for all these property needs?\nA: No, we do not have additional assets for this purpose beyond the property reserves mentioned in Q3 and Q4 above. All restricted investment assets have been placed in our existing Endowment Fund to better satisfy the varied wishes of the donors. Unrestricted assets have been placed in our operating reserve accounts to bring those balances to appropriate targeted levels.\nQ6: Is the Endowment Property Account separate from our current Endowment Fund?\nA: No. The portion of the Cornerstone of Faith capital campaign funds intended to address the longer-term non-recurring property needs (ten years and beyond) will be placed in a Property Account within the existing Endowment Fund. An annual distribution of the earnings from this account will fund future property needs while allowing the principal to remain intact.\nQ7: Are we in danger of having to cut ministry programs if we don’t raise enough money?\nA: Yes. Unless additional revenues are found for property expenses, more and more money from the operating budget will have to be allocated for property at the potential expense of staff, program or ministries. Most of St. John’s ministries occur within our buildings or on our property. Taking care of our building and property is an integral part of continuing to support these ministries.\nQ8: How do I decide how much to pledge to the campaign?\nA: Each household will make its own financial commitment decision. To help you as you decide, we invite you to pray, attend worship services and special Cornerstone of Faith capital campaign events; read the printed materials; talk with fellow members, the clergy and staff; and speak with the Cornerstone of Faith Capital Campaign Committee members for information. We hope that God will move you to give from a place of faith and joy.\nBelow are examples of what various levels of commitment would look like over a five-year period.\nWeekly Monthly Annual Gift 5-Year Total\n$10 $40 $480 $2,400\n$25 $100 $1200 $6,000\n$50 $200 $2,400 $12,000\n$75 $300 $3,600 $18,000\n$100 $400 $4,800 $24,000\n$200 $800 $9,600 $48,000\n$300 $1,200 $14,400 $72,000\n$400 $1,600 $19,200 $96,000\n$500 $2,000 $24,000 $120,000\nQ9: How long do I have to pay my pledge?\nA: There will be a five-year payment period (if needed) for pledges. You may choose any payment plan you wish over that five-year period: a one-time payment, annual, semi-annual, monthly – whatever works for you. You will receive a quarterly statement from the church letting you know the status of your pledge. You will also receive an annual statement for tax purposes.\nQ10: What if my financial situation changes or I move before the end of the five-year giving period?\nA: At any time during the giving period you may change your pledge by notifying our financial staff. We will be grateful if you are able to fulfill your total pledge.\nQ11: What is the annual operating budget of St. John’s Church?\nA: The annual operating budget of St. John’s Church for the current year is $1,733,000.\nQ12: How does my capital campaign pledge affect my annual stewardship giving?\nA: Your capital campaign response is a separate commitment. All money received for the\nCornerstone of Faith capital campaign will be directly applied to completing its components. Your campaign commitment is above and beyond your current annual giving to St. John’s ongoing ministry and programming needs.\nQ13: How do I make a pledge?\nA: You will be called by a Cornerstone of Faith capital campaign visitor – one of your fellow church members – to ask to come discuss the campaign with you at your home, office or another place convenient to you. The purpose of this visit is to talk about St. John’s, this campaign, and the importance of every pledge. There is no pressure!! We believe you will find that you really enjoy the chance to “talk church” with a friend (perhaps a new friend!) and to have any questions about the campaign answered.\nQ14: Who will see my pledge?\nA: Your pledge is confidential. When a visitor (one of your fellow church members) comes to talk with you about the campaign, you will be invited to seal your pledge in an envelope. The campaign visitor will return the sealed envelope to the Minister of Parish Administration, who will open and record your pledge.\nQ15: Can a bequest in my estate plans count for a campaign pledge?\nA: Yes. We are seeking both outright cash gifts AND gifts from one’s estate plans (planned giving) as a part of this campaign. We strongly encourage everyone to consider including St. John’s in their estate plans with a bequest or a planned gift.\nQ16: What will be the priorities if all the money is not raised?\nA: The funding priorities as outlined in the Cornerstone of Faith capital campaign case statement will provide first for Immediate needs of $1 million. Next, $1 million will be allocated to the Property Reserve Account to cover projected physical plant needs in years 2-9 beyond this campaign. The remaining $2 million we seek to raise will be allocated to the Endowment Property Account. The Vestry will then be charged with recommending next steps based on the results of the capital campaign.\nQ17: With the trends away from church affiliation, will St. John’s be here to benefit from the investment I am being asked to make?\nA: Yes, our parish is growing and thriving! We recently confirmed 28 adults and baptized 13 babies and children, and attendance at our Sunday services reflects a growing number of young families participating in our multi-generational congregation. A successful Cornerstone of Faith campaign will mean that the worship, education, fellowship, outreach, programs, and ministries which have drawn individuals and families to St. John’s for over 125 years can continue to do so for the next 125. We are a people of faith and this campaign gives each of us an opportunity to live into that faith.\nQ18: What if I have additional questions?\nA: There will be many opportunities for you to learn more throughout the campaign process. For answers to many of your questions, please contact Cornerstone of Faith Capital Campaign Co-Chairs Jan Garrett or Barbara Johnson.", "label": "Yes"}
{"text": "The search for a new Microsoft CEO is almost over and it seems highly likely the board will announce this week that Steve Ballmer will be succeeded in the top job by Satya Nadella.\nWho? Most of the businesses world will never have heard of Satya Nadella, unlike the two other rumoured shortlisted candidates: Alan Mulally of Ford and Steven Elop of Nokia. As an ex-Ford CEO, Alan Mulally would have brought a fresh perspective on some of the strategic choices Microsoft needs to make soon, but as Microsoft has a strong track record of outsiders having short tenures, it would have been a risky approach. The appointment of Steven Elop would also have had some risk, given the politicisation of his short period at Nokia, as an ex-Microsoft employee.\nSo it’s possible that a degree of risk-aversion has crept into the thinking of the Microsoft appointments committee in appearing to settle on Satya Nadella. He’s a Microsoft insider, serving the company for twenty two years in a number of roles. Most recently and significantly, Mr Nadella has been the head of Microsoft’s cloud computing, and the server and tools divisions. Those divisions are the most important aspects of the long term future for Microsoft, as use of desktop computing declines, and the cash cow which is Microsoft Office on the desktop begins to look a little old fashioned. Mr Nadella has been central in establishing Microsoft’s growing advantage in the key developer and business customer sectors.\nBut is this choice a little too safe? For the thirty eight years of its history, Microsoft has always been a fast-following innovator rather than breaking much new ground. That approach served the company well in the boom years of regular PC replacements with accompanying new versions of Windows. More recently, sluggish adoption of new versions of Windows such as Windows 8, and the fragmentation of use of computing devices have made the future for Microsoft not quite as predictable as it once was. Perhaps now is the time for bigger, bolder steps rather than more polished versions of the same.\nSixty six percent of Microsoft’s profits are earned from the business divisions. Focussing on the rapidly changing needs of business customers is the most important target for the new CEO. Anything else is a distraction. So please, Mr. Nadella, get rid of Xbox, Bing and the other consumer divisions. Your competitors are better at them, and they will distract you from what your company is best at: business software.", "label": "Yes"}
{"text": "Electricity prices in some of the North Island's highest - and sunniest - power bill areas are tipped to reduce with the $300 million development of a major solar power generating network on productive farms.\nLodestone Energy, New Zealand's newest and largest solar energy company, will initially build and produce solar energy from five farms spanning 500 hectares to Dargaville, Kaitaia, Whakatane, Edgecumbe and Whitianga.\nThe first five-farm phase of the privately funded Lodestone venture will produce nearly 400GWh of renewable energy, enough to power 55,000 households, about the number in Hamilton city.\nManaging director and 46.8 per cent Lodestone shareholder Gary Holden, said the farms, each located close to a substation to keep interconnection costs down, will plug into those substations and earn the spot or half-hour price, but will also sell to local retailers at a fixed price.\nThe farms would be \"a game changer\" for the electricity market.\n\"These are five of the sunniest locations in the country that also have a very high electricity price that needs to come down. We will have a positive downward pressure on the electricity price.\"\nThe first consented development will be at Kaitaia, with construction due to start by late this year. This farm is expected to start producing electricity mid-next year.\n\"One of the fundamentals of the electricity market is that the local power price is a function of how much electricity is shipped in from far away,\" Holden said.\n\"In the Far North for example, at certain times electricity is coming from the South Island so the price there is reflective of power coming that distance. By generating right there on the spot we are able to bring back the cost of bringing power to an area.\n\"We intend to be a good strong competitor against retail propositions (local people) they've been offered so far.\"\nConsent process work is under way for the other four farms, which are expected to be fully operational by summer 2023-2024, said Holden.\nSolar power production, which can be constructed very quickly at a lower cost than wind and geothermal plants, doesn't require water, causes no emissions and pollution, and will be \"tucked in behind hedgerows so will disappear on the landscape\", so local authorities find them attractive, he said.\nThe venture will increase New Zealand's solar generation eightfold, injecting sustainable, renewable power into the electricity grid during the day time and helping reduce the country's reliance on fossil fuels, said Holden, a dual Canada New Zealand citizen with a 35 year executive and investment career in the energy sector in both countries.\nHe is a former chief executive of Pulse Energy and TransAltaNZ, which in the emerging deregulated energy sector post-1995, held the largest retail market share in the country.\nHolden said the technology used - a total of 500,000 panels imported from industry leader China - will be the most advanced available today, but the most innovative part of the venture was building one big power plant in five locations while retaining productive land use underneath.\nThe panels will be 2.3m above ground when in the flat position, allowing farming underneath, and will rotate to follow the sun. They will be placed 10-13m apart so a tractor can move between rows.\n\"From a distance it will look like they will look like a vineyard or an avocado farm. We wanted to keep the productive value of the land intact.\"\nWhile the technology is imported, local electricity distribution companies will be involved in the \"big ticket\" interconnection work, Holden said. Each farm will host between 70,000 and 170,000 solar panels.\nLodestone was founded last year by New Zealand software entrepreneurs Guy and Sue Haddleston, who hold 30.4 per cent of the company, and Holden. Together with 20 other private investors, they will fund the first phase of development to construction, costing $40m to $45m.\nThen the company will seek more investor capital and bank funding, probably in six to nine months, Holden said.\nThe company owns the farms but will lease them to professional farmers and growers, for the best production use for the area.\nThe raising of the panels meant about 85 per cent of agriculture production could continue after the panels are installed. It also means if the farms are flooded, electricity production isn't disrupted.\nHolden said the venture's development manager has just developed Canada's biggest solar farm through his company Greengate.\nNew Zealand received high levels of sunshine, with above-average solar radiation occurring in most of coastal North Island and the central South Island, he said.\nThe first five farms were located in the country's sunbelt - between the 34th and 39th parallel - placing them at the equivalent latitude of the Mediterranean and Southern California, where solar generation is common.\n\"In addition, the electricity market welcomes distributed generation, particularly in areas where demand is growing and electrical transmission is constrained.\"", "label": "Yes"}
{"text": "GFOA Website’s Best Practices and Advisories 1. Identify the first assigned best practice and advisory Category: Budgeting and Fiscal Policy Title: Budgeting for Results and Outcome 2. Summarize the major provisions of this document The document has established the principles necessary for effective budgeting, which include setting of broad goals, development of strategies and financial policies, designing a budget that will support the goals and strategies set, and focusing on the necessity of continuous evaluation of government performance. The document observes the difference between the conventional budgeting and the budgeting done by GFOA by noting that GFOA concentrates on outcomes and not on the structure of the organization. It recommends that the government should budget practically by focusing on the results, and it establishes steps that the government can follow to ensure that it has the ability to do this.\nSome of the steps include knowing the amount of money available, prioritizing the results, identifying the most significant programs and activities, and communicating the performance results to the internal and external stakeholders. In addition, the document identifies the roles that budget professionals can play when budgeting for results. 3. How does this practice contribute to sound budgeting? This practice is essential for sound budgeting because it has ensured that the government does not waste any money on unnecessary programs and activities. It requires the government to identify the most necessary programs to include in the budget. In addition, it has ensured that the government does not spend money that it does not have.\nFurthermore, this practice increases accountability on the part of the government because it requires it to communicate the results to all the stakeholders. 4. Identify the second assigned best practice or advisory Category: Debt Management Title: Debt Service Payment Settlement Procedures 5. Summarize the major provisions of this document The document notes the responsibility of government debt issuers in ensuring that debts are paid accurately and on time. It notes that debt issuers have the responsibility of using funds for the benefit of the government. The document further notes how the governments move in using electronic payment has benefited different stakeholders by reducing credit and liquidity risk, standardizing payment streams, improving efficiency, and reducing loss of funds.\nIt makes several recommendations to the state and local governments to guarantee that interest payments and debt principal are paid on time. 6. How does this document contribute to sound budgeting? The document contributes to sound budgeting because it reduces the risk of losing funds. Debt payment and payment of interest are crucial in budgeting because they contribute in determining the amount of revenue available for the government. It reduces any chance of fraud and other modes of corruption, which might occur in the transfer of funds. Without the necessary revenues, the government is not able to fulfill all of its obligations. 7.\nIdentify the third assigned best practice or advisory Category: Retirement and Benefits Administration Title: Strategic Health-care Plan Design 8. Summarize the major provisions of this document The document notes the challenges faced by plan sponsors when providing health-care benefits, and it observes that these challenges prevent the sponsors from implementing their long-term plans. It highlights the need for plan sponsors to increase their effectiveness in service delivery. It recommends that the sponsors follow a strategic long-term plan, which includes principles and objectives that will help in managing costs.\nIt recommends that plan sponsors should consider using analytical tools to measure the health risk factors, data warehousing, define cost objectives, and determine the necessary cost containment measures needed. 9. How does this document contribute to sound budgeting? This document is essential for sound budgeting. The government spends a lot of money on healthcare since there are many costs involved. This document contains principles that ensure education for all the people involved.\nThrough this, people are able to know the limitations of benefits, employer and employee costs and the benefits of retirees and employees. The people will become more conversant with these education initiatives, and they will be able to make better decisions regarding their healthcare.", "label": "Yes"}
{"text": "Ghosn ousted from Nissan due to \"significant acts of misconduct\"\nThat involvement has presented headaches for Ghosn and Nissan before, particularly when it comes to the chairman's compensation. Among the best paid executives in both Japan and France for several years, Ghosn's compensation has regularly drawn criticism.\nEight of the 11 major S&P sectors were lower, led by a 1.9 per cent decline in technology shares.\nThe rest of the so-called FAANG stocks - Facebook Inc, Amazon.com Inc, Netflix Inc and Alphabet Inc - shed between 3 per cent and 1.3 per cent. Now a new report has added fuel to the fire, potentially causing fresh stock market jitters. Cryptocurrency mining had fueled demand for those cards late past year but this has all but dried up as prices of bitcoin and other cryptocurrencies tanked and mining became no longer profitable. -China trade worries on the forefront. \"A unit of sale is less relevant to us today than it was in the past\", Maestri said.\nBoeing Co and Caterpillar Inc, seen as trade sensitive stocks, fell 3.3% and 1.6%, respectively.\nThe S&P index recorded 26 new 52-week highs and seven new lows, while the Nasdaq recorded 15 new highs and 84 new lows.\nAnd Stormi isn't the only one showing him some love, as Kylie's Instagram is pretty much a Travis Scott stan account rn. The \"Sickomode\" singer saw the cute vid and reacted with the comment, \"Da da I'm otw back momma\".\nThis story was reported by The Associated Press . \"How can they think we are going to come here to be violent?\" Some northbound lanes at the San Ysidro Port of Entry that had been closed have reopened after the U.S.\nOne of them inquires about the availability of a dress, leaving him to reply: \"Where was my invite?\" It reads: \"This Christmas\". Each year, however, patrons of the retail store tweet at a man named John Lewis to discuss the advert.\nHayne's future in the NRL was already in limbo with the off-contract star yet to be offered a new deal by the Parramatta Eels . NSW Police confirmed the charge, which came after a woman lodged a complaint to the NRL Integrity Unit earlier this year.\nThe first glimpse of them was as though they had walked out from the realms of a historical land towards their future together... While we eagerly waited to get a glimpse of the wedding, it was only after they shared the pictures did we get to see them.\nLa gratuité est assujettie à la diffusion de publicités. \"C'est aussi une bonne opportunité pour les publicitaires\". Le déploiement du film gratuit a débuté au mois d'Octobre et de nouveaux contenus sont ajoutés au fur et à mesure.\nTourism Minister Yariv Levin speaks at the 15th annual Jerusalem Conference of the \"Besheva\" group, on February 12, 2018. Israel strongly opposes such calls for boycotts, which it considers a biased approach to the conflict.\nConsisting of the US, Japan, India and Australia, the group met in Singapore in the past week to discuss ways to cooperate. But ultimately, the consequences of the trade war extend beyond trade, he noted.\nLa fatigue, oui, mais on est des grands joueurs, on est censé jouer 60 matches dans la saison, ça ne doit pas compter. On n'a pas su répondre collectivement, ni individuellement aux Pays-Bas. \"Je serai devant ma télévision\".\nJaguars Will Consider Trading Jalen Ramsey\nContract wise, Ramsey has the 2019 season and a fifth-year option remaining on his contract with the Jaguars. The Jaguars, for what it's worth, have denied the rumors.", "label": "Yes"}
{"text": "Vote to pass a bill that reduces tax rates for oil drilling.\n-Reduces tax rates on oil drilled after June 30, 2008 from six and one-half percent to four percent (Sec. 1).\n-Provides a temporary tax rate reduction of two percent for the first fifteen months for vertical wells and the first two years for horizontal wells (Sec. 2).", "label": "Yes"}
{"text": "Dr. HousingBubble reports:\n«Recent data shows that the shadow inventory figure is starting to decline nationwide. However in high priced markets particularly in California there is little movement in the shadow inventory. To the contrary, notice of defaults for California raged up nearly 70% in the last month of data. In other words while the pipeline nationwide for shadow inventory may be declining at a slow turtle like pace, little of this is happening in high priced markets with absurd levels of hidden inventory like in Beverly Hills or Culver City for example.\nAdding fuel to the fire, the incredibly high mortgage limits are set to expire which will keep the faux-bourgeoisie from buying their $1 million shack in a preferred zip code simply by going into massive debt. They will now need to come to the table with some solid cash and a respectable income. Realtors are bemoaning this and trying to fight tooth and nail to keep it in place because they realize how phony some of these buyers are in terms of their actual net worth.»", "label": "Yes"}
{"text": "Peroni, Chiara (2007): A non-parametric investigation of risk premia.\nDownload (529kB) | Preview\nThis paper investigates features of credit risk using non-parametric techniques, studying determinants of risk premia using a non-parametric term-structure model of the corporate spread. The model, which measures the extra return of defaultable corporate bonds on their government counterparts, involves the rate of inflation, a key macroeconomic variable that is found to explain the spread non-linearly. This approach demonstrates the usefulness of non-linear approaches in contrast with standard linear approaches. The model is also useful to forecast the future course of the spread.\n|Item Type:||MPRA Paper|\n|Institution:||university of east anglia|\n|Original Title:||A non-parametric investigation of risk premia|\n|Keywords:||Risk premium, affine models, non-parametric regression|\n|Subjects:||G - Financial Economics > G1 - General Financial Markets > G12 - Asset Pricing ; Trading Volume ; Bond Interest Rates\nC - Mathematical and Quantitative Methods > C1 - Econometric and Statistical Methods and Methodology: General > C14 - Semiparametric and Nonparametric Methods: General\n|Depositing User:||Chiara Peroni|\n|Date Deposited:||07. Feb 2008 06:20|\n|Last Modified:||08. Mar 2015 20:21|", "label": "Yes"}
{"text": "Rural patients with the poorest health status are substantially more likely to switch from a Medicare Advantage plan to a traditional Medicare plan than other patients, according to a new study from Health Affairs.\nMedicare beneficiaries in rural areas may face challenges to gaining access to care, particularly if enrolled in MA plans with limited benefits and restrictive provider networks. These barriers to care may, in turn, increase switching to traditional fee-for-service Medicare among rural MA enrollees, the research found.\nUsing 2010–16 Medicare Current Beneficiary Survey data, researchers found that switching from traditional Medicare to Medicare Advantage was uncommon among enrollees, both rural (1.7%) and nonrural (2.2%). Switching from Medicare Advantage to traditional Medicare was more common in both settings, especially for rural enrollees (10.5%) compared with nonrural enrollees (5.0%).\nThe differential was even greater among rural enrollees who were high cost or high need. Of 11 care satisfaction variables researchers examined, dissatisfaction with care access had the strongest association with switching from MA to traditional Medicare among rural enrollees. The findings point to the importance of developing policies targeted at improving care access for rural MA enrollees.\nThe study recommends two areas in which policymakers could take steps to address the issue.\nFirst, because primary care physicians are less likely to practice in rural areas for a variety of reasons, creating financial incentives for healthcare workers could begin to address the overall shortage of rural medical practitioners.\nSecond, it could be worth looking at incentives for MA plans to provide better access to these patients through mechanisms such as a payment add-on for plans that operate in rural areas.\n“We found in the study that something is going on here: rural Medicare Advantage enrollees are facing limited access-to-care issues,” Sungchul Park, assistant professor in the Department of Health Management and Policy at Drexel University, told Fierce Healthcare.\nPark added that the available data simply isn’t robust enough to determine the mechanism that causes patients to be dissatisfied to care access, but he believes the flexibility Medicare Advantage programs have may be a key part of the problem.\n“I think our findings suggest that this issue may be more pronounced in Medicare Advantage because they can determine which providers to include in their network or not,” he said.", "label": "Yes"}
{"text": "Marc is a partner in the Firm's Global Antitrust Practice. He has considerable experience in a wide range of antitrust work and has been involved in some of the most high-profile UK and European cases in recent years in the fields of M&A, cartels and antitrust litigation.\nMuch of Marc's work involves dealing with cross-border cases (both for UK and overseas clients) and he regularly represents clients before the UK and European competition authorities, and has also appeared before the UK and European courts in competition cases.\nMarc is recommended in the Global Competition Review 100.\nUniversity of Cambridge\nHighlighted cases, some of which established legal precedents now reflected in guidance published by the relevant antitrust agencies, include the following:\nDeutsche Bank and Goldman Sachs on their joint acquisition of the private equity portfolio of the National Bank of Greece.\nBATS Global Markets Inc. on its acquisition of Chi-X to create the largest pan-European equities trading platform, which was cleared unconditionally by the UK's competition authorities following an in-depth review.\nMitsubishi Rayon Company on its acquisition of Lucite, one of the first mergers cleared by MOFCOM in China based on behavioural remedies.\nIBA Health on the ground-breaking IBA Health Limited v OFT case before both the Competition Appeal Tribunal and the Court of Appeal. This was the first successful appeal of a merger clearance decision under the Enterprise Act, a decision that continues to have wide-ranging implications for UK merger control procedure and the way in which the UK authorities have approached subsequent cases.\nPinewood Healthcare on its successful claim for damages against Reckitt Benkiser for abusing its dominant position in the supply of Gaviscon.\nGB eye on the investigation by the UK's Competition & Markets Authority into price-fixing of goods sold online, a case which led to the UK's first ever director disqualification for breaches of antitrust law.\nA major international financial institution on the first antitrust investigation conducted by the UK's Financial Conduct Authority.\nA major European financial institution in connection with the European Commission's investigation into alleged cartel infringements in the foreign exchange sector.\nA major international financial institution on the market investigation by the UK's Financial Conduct Authority into the asset management industry.", "label": "Yes"}
{"text": "Budget Aldi beats big stores on quality\nThe discount supermarket Aldi has beaten Britain's big four chains on the quality of its food.\nThe German-owned company collected a host of prizes following blind taste tests by chefs and food industry experts.\nAldi stores, which tend to be in poorer locations, are increasingly patronised by the middle-classes following rave reviews from shoppers.\nTheir taste was vindicated at Checkout magazine's Quality Food Awards. Aldi's Specially Selected Italian Stone-Baked Pizza Romagna won the top award of the night. The company's beef wellington was also named best frozen food product while it won the bread section for a chocolate chip brioche.\nWaitrose, at the other end of the price spectrum, also received several major prizes. But Tesco, Asda, Sainsbury's and Morrisons failed to sparkle.\nMost watched Money videos\n- Award winning 412GW Next Base dash cam records in 1440p resolution\n- SEAT's new smart car featuring protection against drunk driving\n- Lars Kroijer: You can't beat the market, so invest passively\n- Behind the scenes at Argos as it gears up for Black Friday mayhem\n- How to invest a pension pot in retirement\n- Brexit a waste of time and energy, European Parliament co-ordinator claims\n- Life hack: Save money by installing foil behind your radiators\n- Key points from Philip Hammond's Budget speech\n- HSBC UK takes first step into Open Banking with HSBC Beta\n- Big Money Questions: What is an Isa and how do you pick one?\n- How to invest like Warren Buffett in the UK\n- F1 driver Max Verstappen takes on the 2018 Aston Martin Vantage\nNo comments have so far been submitted. Why not be the first to send us your thoughts, or debate this issue live on our message boards.\nWe are no longer accepting comments on this article.", "label": "Yes"}
{"text": "When's an insurance scheme not an insurance scheme\nHon Jim Anderton\nMember of Parliament for Wigram\n12 May 2006 Media Statement\nWhen is an insurance scheme not an insurance scheme\nProgressive Party leader Jim Anderton supports the pensioners who spoke out against the Southern Cross Healthcare hikes in its premium for the elderly in what Southern Cross Healthcare has called a 'rebalancing of costs'.\n\"Southern Cross Healthcare has lost sight of the insurance principle, which is paying when you are young and able so that as your income falls and health deteriorates, people get the services they expect and need – and have paid for during their 'healthiest years', Jim Anderton said today.\n\"Southern Cross Healthcare has reversed this long-term insurance principle into a policy which charges you more and more the older and more likely to get sick you are, with no account made for the early, healthy years when premiums were paid and no claims were made.\n\"New Zealanders need to feel secure about getting the healthcare they need when they need it, instead of being tied into a 'user pays' medical subscription scheme. The fact that the proportion of New Zealanders with health insurance has dropped from 50 per cent to 33 per cent since the early nineties reflects premium rises but also a confidence shift by New Zealanders in recognition that our public health services are being rebuilt and private health insurance is not to be trusted.\n\"The best role for the Labour-Progressive Government is to increase the capacity and efficiency of our public health system, making the most of our skilled medical practitioners, our excellent medical facilities and New Zealand tax revenue to guarantee a publicly funded first-world health service for all New Zealanders,\" Jim Anderton said.", "label": "Yes"}
{"text": "Manage episode 289304709 series 2452325\nLNG Canada’s $40 billion megaproject is taking shape. The project is the largest private sector investment ever made in Canada, and marks the birth of a new export industry. This week, the CEO of LNG Canada, Peter Zebedee joins the podcast to provide an update on the construction underway in Kitimat, British Columbia. Here are […]\nThe post An Interview with Peter Zebedee: CEO of LNG Canada first appeared on ARC Energy Research Institute.", "label": "Yes"}
{"text": "I n v e s t m e n t C o u n s e l, LLC\nDavid R. Hargrove is Chief Executive Officer and portfolio manager at Bassett Hargrove Investment Counsel. Prior to starting Tucker Hargrove Management he was an analyst and portfolio manager with Wilmington Capital Management and Greenville Capital Management. David graduated from Williams College and received an MBA from The Wharton School. He has 40 years of investment experience and is a Chartered Financial Analyst.\nChristopher A. Luft is a portfolio management consultant at Bassett Hargrove. He previously was Sr. Vice President and partner at Marvin & Palmer Associates, a global equity financial advisory firm. During his 23 year career at Marvin & Palmer he supervised the multi-billion dollar international equity trading team. Formerly he was the NASD registered principal and trading manager at Christiana Brokerage. Christopher graduated from Lehigh University with a B.S. in Business and Economics.\nTheresa M. Cody handles all aspects of operations, trading and client reporting at Bassett Hargrove. Previously with Allied Signal, Greenville Capital Management, and Tucker Hargrove Management. Theresa has over 30 years of investment administrative experience.\nJoanne R. Havertine is responsible for performance measurement, trading and accounting at Bassett Hargrove. A graduate of the University of Delaware, Joanne's investment experience spans over 35 years with previous experience at Merrill Lynch, Delaware Trust, Greenville Capital Management and Tucker Hargrove Management.\nEdward J. Bassett serves as marketing consultant at Bassett Hargrove after retiring at the end of July 2018. Before founding The Bassett Group in 2004, Ed retired after a 27 year career with DuPont Capital Management culminating as Chairman and CIO. Ed currently serves as Chairman of the Hagley Museum and Library Endowment Investment Committee and is a member of its Board of Directors. He is also a member of the Longwood Rotary and the University of DE Investment Committee. Ed graduated magna cum laude from the University of MD with a B.S. in Finance and is a Charted Financial Analyst.", "label": "Yes"}
{"text": "July 10, 2018 | Access to Credit\nThe Community Financial Services Association of America (CFSA) today released a modernized set of best business practices to further enhance consumer protections and address the evolving credit needs of small-dollar loan customers. CFSA member companies are licensed and regulated in each state in which they operate, and these mandatory Best Practices ensure they continue to hold themselves to a higher standard of responsible lending and help consumers make informed financial decisions. Additionally, these modernized best practices are intended to cover all small-dollar loans provided by CFSA member companies, including automobile title and installment loans.\n“We are excited to release our modernized Best Practices, which help ensure CFSA member companies continue to provide their customers with superior service, offer customers the best resources available to make informed financial decisions, and deliver unparalleled transparency,” said CFSA CEO Dennis Shaul. “Small-dollar loans are a vital form of credit for millions of American households, and these Best Practices will further protect consumers as they look to small-dollar loans to fulfill their financial needs.”\nCFSA’s new set of mandatory Best Practices include 15 lending requirements for member companies – up from the CFSA’s previous 13 Best Practices. The two new provisions of the modernized Best Practices are:\nIn addition to the two new requirements, several existing Best Practices have been updated with substantive changes, technical adjustments, or both. Among the changes to the existing Best Practices:\nCUSTOMER NOTICE: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.\n“As evidenced by the high customer satisfaction scores enjoyed by CFSA member companies, we enjoy great relationships with the customers we serve and have worked over the past year to strengthen the organization’s Best Practices. We believe that our customers will be pleased with result of this effort. These Best Practices allow us to stay true to our mission of balancing strong consumer protections while providing access to short-term credit for millions of Americans,” added Patrick O’Shaughnessy, Chairman of CFSA’s Executive Board. “We will continue to hold ourselves to the highest standard as we provide hard-working Americans with the financial resources they need to provide for their families and themselves.”\nCFSA’s Best Practices have been in effect since 2000 and have been periodically updated over the years. While the new set of Best Practices are effective now, member companies will have until the end of the calendar year to be in full compliance. The transition period until January 1, 2019, provides members time to modify software and computers systems, update employee handbooks and operational procedures, and train employees.\nCustomers can find more information about CFSA’s Best Practices by visiting CFSA’s website, as well as inquiring at local storefronts of CFSA member companies.", "label": "Yes"}
{"text": "Should You Melt into the Wax Business?\nIf you’ve been thinking about diving into the wax melt business, you probably have a lot of questions. You may be wondering about the pros and cons of running your own wax melting business.\nHave you been dreaming of starting your own wax melting business?\nAre you curious about the pros and cons of the endeavor?\nIf so, you’ve come to the right place!\nStarting a wax melt business can be both exciting and overwhelming. From wax types to shipping costs, there is a lot to consider before taking the plunge. Let’s look at some of the pros and cons of starting a wax melt business.\nTo help you decide if this is the right business move for you, let’s take a closer look at some of the key points.\nThe Pros Of Starting a Wax Melt Business\nThe Pros are pretty great when it comes to making wax melts! For starters, you get to let your creativity shine as you create unique scents and designs that customers will love.\nPlus, making candles can be fun and relaxing and with an ever-growing market for natural products, it is easy to find new customers who are looking for quality wax melts from independent makers like yourself.\nAdditionally, running your own business can be incredibly rewarding. You will have complete control over what products you make and how much money you want to charge for them. That means you can set prices that make sense for your business while still providing quality products that people will love!\nPlus, if things go well, you may find yourself working from home in no time at all – which has its own set of advantages.\nWax melting is a great way to make extra money because it requires relatively minimal start-up costs. All you need are wax melts, containers, and basic supplies to get started. Plus, there's no need to rent an expensive store or workspace–you can work from home or even sell online!\nThat means that anyone can start their own wax melt business with minimal investment and overhead.\nAdditionally, running your own wax melt business gives you the flexibility to choose your own pricing structure and create unique scents that will appeal to your customers. Plus, since most people love candles and other scented products, this type of business is usually quite profitable.\nFinally, it’s also a great way to network with other small businesses in your area and build relationships with customers who appreciate quality products.\nThe Cons Starting a Wax Melt Business\nThough there are many benefits associated with setting up shop selling wax melts, there are also some drawbacks as well.\nThe first is cost; it can be expensive to buy supplies in bulk or in large quantities that allow you to keep up with customer demand.\nAdditionally, depending on where your customers are located, shipping costs may add up quickly – especially if those customers live out-of-state or abroad.\nAnd then there’s the question of taxes; it is important to understand how taxes work in relation to your business (and pay them promptly!).\nFinally, don’t forget about marketing; without getting the word out about your amazing products, no one will know they exist!\nStarting a wax melt business isn’t for everyone\nBut if it sounds like something that appeals to you, then don’t hesitate any longer! Weighing the pros and cons can help ensure that this endeavor ends up being successful instead of stressful.\nWith some research into supplies and taxes along with creative marketing tactics under your belt – not forgetting lots of practice (with plenty of room for mistakes!) – soon enough you could have an amazing candle-making empire on your hands!\nThe biggest downside to starting a wax melt business is that it takes time and effort to get it up and running.\nYou’ll need to do market research on what types of scents are popular in your area, as well as figure out how much you should charge for each product.\nAdditionally, ordering supplies in bulk can be costly upfront but will save money over time – so it might be worth investing in larger quantities first before testing out smaller batches.\nAlso keep in mind that while selling online can generate more revenue than traditional retail stores do, there is still competition from other businesses selling similar products so it might take some time before you stand out from the crowd!\nStarting a wax melt business is an excellent opportunity for aspiring entrepreneurs who want to make extra money without investing too much capital upfront or spending too much time on marketing efforts. However, like any new venture, there are pros and cons associated with starting this type of enterprise – from figuring out pricing structures to competing against other businesses selling similar products – so make sure you do your research before taking the plunge! With patience and hard work though, owning a successful wax melting business could become one of the best decisions you ever make! Good luck!\nExploring Serathena's Range\nSerathena offers an expansive selection of wax melts and much much more!. Whether you're seeking the comfort of classic scents or the intrigue of contemporary artwork, their range has something for everyone. Explore categories like:\n- Simply the Best Wax Melts: Curated for discerning fragrance enthusiasts, this collection boasts the finest and most beloved long lasting scents.\nArt by Cindy: Infused with artistic creativity, this collection introduces an artistic dimension to Serathena with Personalised artwork.\nHandmade Wooden Home Accessories: Enhance your home decor with elegant and handmade accessories that complement your home.\nPersonalised Lithophane: Elevate gifting with a personalised touch, combining fragrance and sentiment in a unique way.", "label": "Yes"}
{"text": "Square is a new start-up that was co-founded by Jack Dorsey (the guy who created Twitter and was their original CEO). According to Fast Company, Square is a “is both a foolproof and attractive experience” that will appeal to small businesses.\nStarting today, Square aims to make credit card sales as easy for retailers with an iPhone as it is for some dude selling a couch on Craigslist.\nWith Square, anyone can accept credit or debit card payments by downloading the app and plugging a little plastic cube into the headphone jack of an iPhone, iPod Touch, iPad, or Android phone. After a quick swipe of the card through the reader, the merchant turns the device over to the customer to sign his or her name on the touchscreen using a finger instead of a pen. The customer can add a tip, either by percentage or a particular amount, and then enters their phone number or email address. In the best case, the receipt message will buzz in the customer’s pocket as an email or SMS text message while walking away with their purchase.\nCustomers are charged as usual by their banks or credit card companies, and Square settles up the net funds with merchants each night instead of at the end of the month. The swiper and application are both free and include access to an online dashboard with analytics that help merchants track exactly what they’ve been selling.\nWhat could be better than earning up to 100% commission on the sales of exciting cruise and destination vacation packages?\nEarn recurring monthly payments selling mobile websites and apps to local businesses.\nBe a part of the number one growth industry while securing your future with residual income.\nAmazing opportunity for only $500 in an industry that is prime for sales.\nOur one-of-a-kind training program allows you to successfully enter the lucrative world of commercial financing.", "label": "Yes"}
{"text": "Recently, the \"Datang\", carrying the last shipment of iron ore from Channar Joint Venture, sailed from the Port of Western Australia to China, bringing the iron ore project of Channar Joint Venture, one of the longest and most successful projects between China and Australia so far, to a successful conclusion. On April 9, Rio Tinto and Sinosteel celebrated the collaboration of great importance through a video connection between Beijing, China and Perth, Australia.\nAt the Perth venue, Consul General of the Chinese Consulate General in Perth Long Dingbin, CEO of Rio Tinto Corporation Shi Daocheng, and Chief Commercial Officer of Rio Tinto Group Bai Ruiming delivered video speeches. Representative of the Governor of West Australia - Minister of Mental Health, Aboriginals and Labor Relations Stephen Dawson and Iron Ore CEO of Rio Tinto Joad attended and spoke at the event. Nearly 120 people from all walks of life, including Chinese institutions in Western Australia and representatives of Aborigines in Australia, attended the event. In Beijing, Chairman of Sinosteel Xu Siwei, General Manager Liu Andong, and President of Rio Tinto China Ren Binyan were connected to the main venue in Perth through a live broadcast. Wang Yingsheng, Deputy Secretary General of China Iron and Steel Association, leaders and representatives of Sinosteel and Rio Tinto China attended the event.\nIn his speech, Xu Siwei congratulated Channar Iron Ore Mine for its 33-year successful operation and expressed his gratitude to the leaders of China and Australia at all levels, people from all walks of life and employees of both companies who cared for and supported the development of Channar Iron Ore Mine Project. Xu Siwei noted that 33-year successful operation of Channar Iron Ore Mine was a source of pride and joy for both partners. It is Rio Tinto and Sinosteel's perseverance in the spirit of contract, standing together regardless of situation, and sincere cooperation that has resulted in the three successful renewals and extensions of the Channar Project and the cumulative production of more than 290 million tons of iron ore, making a historic contribution to the development of China's steel industry and the economic prosperity of the mining industry in Western Australia. In the future, Sinosteel is willing to continue to deepen the mutually beneficial and win-win partnership between the two sides, inherits and develops the brand of Channar, and further explores the cooperation in more areas and ways.\nJoad stated that the Channar Joint Venture of landmark significance sets a positive example of win-win cooperation between Australia and China in the resources sector and the broader economic fields. Over the years, both sides have worked together to provide the raw materials needed for China's breathtaking economic transformation while also developing Western Australia's infrastructure, which has made great contributions to the local mining boom. As one of the longest and most successful economic and trade cooperation between Australia and China, the Channar Joint Venture project has promoted mutual understanding and trust between Australia and China. Although the Channar Joint Venture has been successfully carried out and ended, the friendship between Sinosteel and Rio Tinto and the economic and trade cooperation between China and Australia will always continue down.\nThe Assistant General Manager of Sinosteel Corporation, Secretary of the Board of Directors and the relevant personnel in charge of the Economic Research Institute, Sinosteel Overseas, Sinosteel International Trade and Sinosteel Trade attended the event in Beijing.\nLiu Andong and Ren Binyan are exchanging souvenirs\nGroup photo of the leaders from Sinosteel Australia Pty Ltd and Rio Tinto Iron Ore Company\nThe last shipment of Channar iron ore on board \"Datang\" departes\nThe Last Batch of Channar Iron Ore for Memory\nCommemorative Album of Both Sides Channar Code", "label": "Yes"}
{"text": "What you decide to pay people is much more difficult than it seems. This issue is covered in greater detail in \"Compensation and Benefits\". Pay systems must be developed that motivate employees and embody fairness to everyone working at the organization. However, organizations cannot offer every benefit and perk because budgets always have constraints. Even governmental agencies need to be concerned with compensation as part of their HR plan. For example, in 2011, Illinois State University gave salary increases of 3 percent to all faculty, despite state budget cuts in other areas. They reasoned that the pay increase was needed because of the competitive nature of hiring and retaining faculty and staff. The university president said, “Our employees have had a very good year and hopefully this is a good shot in the arm that will keep our morale high. 1\nThe process in determining the right pay for the right job can have many variables, in addition to keeping morale high. First, as we have already discussed, the organization life cycle can determine the pay strategy for the organization. The supply and demand of those skills in the market, economy, region, or area in which the business is located is a determining factor in compensation strategy. For example, a company operating in Seattle may pay higher for the same job than their division in Missoula, Montana, because the cost of living is higher in Seattle. The HR manager is always researching to ensure the pay is fair and at market value. In \"Compensation and Benefits\", we get into greater detail about the variety of pay systems, perks, and bonuses that can be offered. For many organizations, training is a perk. Employees can develop their skills while getting paid for it. Training is the next step in the HR planning process.\n- 1325 reads", "label": "Yes"}
{"text": "Azzano Center is located in Lombardy in the heart of one of the wealthiest regions in Europe. The site is located off the A4, the motorway connecting Milan to the prosperous cities in the north east, such as Bergamo, Brescia, Verona and Venice.\nAzzano Center will be an exceptional shopping and entertainment center, with a vast offer of fashion, recreation and entertainment options. The center will play host to a five-star hotel, a conference center and a multiplex cinema. It will become an essential part of the retail complex that serves the public of the area around the Orio al Serio airport, with more than 12 million passengers expected by 2012.\nCLICK to return to Europe Projects page", "label": "Yes"}
{"text": "As Canada prepares to legalize marijuana next summer, a Statistics Canada report reveals the black market for cannabis reached up to $6.2 billion in 2015.\nThat makes the cannabis market approximately one-half to two-thirds the size of the $9.2 billion beer market, according to the federal agency, and between 70 and 90 percent of the $7 billion wine market in Canada.\nThe Government of Canada is currently finalizing negotiations with the provinces for distribution of tax dollars from legal marijuana sales, after the House of Commons voted to legalize, regulate and restrict access to cannabis for non-medical purposes with Bill C-45.\nCanadian cannabis consumption in 2015 is estimated to have been 697.5 tonnes.\nThe report assumes a price range of $7.14 to $8.84 per gram, making the value of Canadian cannabis use in 2015 to be between $5 billion and $6.2 billion.\nStatistics Canada states that the estimates presented in the study will be updated as new data on cannabis use and other socio-economic information becomes available.", "label": "Yes"}
{"text": "The Church Isn’t Broke | Mark Elsdon\nJune 28, 2021\nIn this episode, John talks with Mark Elsdon, pastor, entrepreneur, author, and a fellow religious worker on the campus of UW-Madison. Mark discusses his life and his new book, We Aren’t Broke: Uncovering Hidden Resources for Mission and Ministry (Eerdmans, 2021).\nMark is the Executive Director at Pres House, Co-Founder of RootedGood, and owner of Elsdon Strategic Consulting. He is also president of the board of directors for Working Capital for Community Needs, based in Madison to provide micro-finance for the working poor in Latin America.\nListen to The UpWords Podcast every two weeks through our webpage or subscribe on your favorite audio platform.", "label": "Yes"}
{"text": "You’re finally in your 20s, and you have a great paying adult job.\nThis is usually the point where most men start to live it up by blowing through their money, but not you. No, you’re smarter than that.\nYou know that you’ve got financial goals you want to hit, and you’re determined to be smarter than the guys around you buying tables in clubs and living beyond their means.\nIf you’re ready to start adulting like a bad a**, then make sure you’re aiming to hit these financial milestones before your 30th birthday.\n1. Budget like a boss\nAs an adult, it’s important to know exactly where your money is going.\nBut figuring that out is a little more complicated than just giving your online account a quick glance once a month to check your balance. You need to know how much you’re spending on entertainment, food, alcohol, and bills.\nDon’t know how to create the right budget for you?\nNo problem. Some of these apps offer budget suggestions based on your cash flow.\nTake advantage of all of the amazing technology that allows you to organize your finances, and learn how to budget like a boss.\n2. Find a side hustle to pay off debt\nAccording to Experian, millennials have an average of $23,332 of debt.\nWhether that comes from student loans, car payments, or that first credit card you got your hands on at 18 years old, it’s time to pay that debt off.\nJordan Arnold, a millennial who paid off $23,375 in debt in under a year, believes that it all comes down to a game plan and hustle.\nJordan was interviewed by MONEY and shared that he chose pizza delivery as his side hustle to pay off his debt.\nDuring the day he went to his job at an insurance agency, but as soon as 5:00 came around, he’d change into his pizza delivery uniform and deliver pizzas until 10:00p.m.\nIt was that side hustle that allowed Jordan to pay off his debt at 23 years old. Talk about a guy with a game plan.\nIt doesn’t matter what you choose to do (pizza delivery, freelancing, babysitting), just do something to start bringing in extra money.\nIf you’re unsure of what to do, check out this awesome list of smart ways to make money on the side in 2016.\n3. Create credit so good your banker will be envious\nSo many people overlook such an important detail in their financial lives, but anything you want to do in the future (buy a house, car, etc.) is going to be determined by your credit score.\nBefore anything, learn your credit score, which is easy with free websites like Free Credit Report. Go through the report carefully, though, because Time has found that 1 in 4 credit reports actually contain a mistake, which can seriously screw up your financial wellbeing. (If you do find a mistake, learn how to dispute it here.)\nIt sounds too easy, but the best way to ensure higher credit is to be vigilant about bill payments.\nAnother way to increase your score is to make sure you have the right spending to limit ratio of your cards.\nJust because you have $1,000 in credit doesn’t mean you should use it every month. Experts believe the correct ratio is to only use 10%-30% of your credit limit.\n4. Figure out your Net Worth\nThis is probably one of the most important formulas you’ll need as an adult, so memorize it:\nassets – liabilities = net worth\nYou can even use this nifty online calculator by Bankrate to figure it out.\nSo, what should be included in your assets?\n- The total amount of your checking and savings\n- The amount of your retirement savings\n- Any valuable items in your home\n- The market value of your home if you own one\n- The value of your care if you own one\n- Your life insurance if you have it\nAnd your liabilities?\n- Auto loans\n- Credit cards\n- Personal bank loans\n- Student loans\nIt’s advised that you check your net worth once a year.\n5. Create an “Oh Sh*t” Emergency Fund\nMost guys don’t see the need to have an emergency fund, but if you run into any of the following emergencies, you might just be sol:\n- Car accident\n- Sudden health emergency\n- A leak in your home\n- Job loss\nIf you ever find yourself in any of these unexpected emergencies, you’ll be glad you have that emergency fund because running your credit line dry is definitely frowned upon when you’re trying to gain financial security.\nThe general guideline for the amount you need in your emergency savings is 3 – 6 months worth of your total amount of monthly bills and necessary payments.\n6. Create long-term financial goals\nHoping to make a big purchase later on in life like a house, a wedding, or a car?\nWrite those down, and start working towards those goals in mind that now. The bigger deposit you can make on big purchases, the better.\n7. Learn to discuss money comfortably in your relationship\nMoney ranked at the top of most uncomfortable topics to discuss in a relationship according to a Northwestern Mutual Study.\nWe get it. Money talk sucks, but that doesn’t mean that if you’re in a serious relationship that you should avoid it.\nIt’s important to get on the same page with your significant other (especially if wedding belles are in the future) as far as finances go.\nIf you’re unsure of what strategy to take to bring up the awkward conversation, try out these strategies named by MONEY.\n1. Which goal do you believe is most important to meet?\n2. How did you feel hitting your first financial goal in your 20s?", "label": "Yes"}
{"text": "Last week, the Senate Health, Education, Labor, and Pensions (HELP) Committee held a hearing on the changes facing the franchise industry following the National Labor Relations Board’s decision that franchisors and franchisees can be “joint employers.”\nThe “joint employer” idea says that the corporate office shares responsibility for employee working conditions with the individual franchise location. Those in favor of the idea say that franchise locations shouldn’t operate under the rules that apply to small businesses, because they have the support of large corporations. Those opposed to the idea point out that franchisees are small business owners, with personal responsibility for hiring, paying, and managing workers.\nRight now, this is a legal dispute centered on McDonald’s restaurants. The NLRB took a position, but the legal wrangling is not likely to end soon.\nWhile the court battle is underway, there has been plenty of discussion of this issue. The Senate hearings haven’t ended that discussion. Some are saying that the final outcome of the dispute could change the nature of franchising, and of the relationship between franchisor and franchisee.\nThere are clearly two sides to the argument, and that was reflected in the Senate hearing. The committee chair, Lamar Alexander, said that this new definition of the franchisee-franchisor relationship “could destroy a small business opportunity for more than 700,000 Americans” if it became law.\nFranchisees testified at the hearing, saying that the influence of the “joint employer” idea could reduce their freedom to run their businesses as they choose, under the terms of the franchise agreements they signed. If this is the case, then the proposed policy changes could attack basic freedoms for franchisees.\nIt has also been suggested that the additional costs for franchisors, if they are required to take responsibility for day to day operations for each of their franchisees, would be crippling. Franchisors might determine that it would be in their best interests to own all their locations, and the franchise system, which has been so successful, could be threatened.\nOn the other hand, supporters of the policy changes say that franchisees are currently accepting all the liabilities and responsibilities for their employees’ working conditions, even though the franchisor has a great deal of power over their ability to provide positive working conditions for those workers.\nThe controversy has also become entangled with discussions about minimum wage, changes in the employment landscape which see more people working as contract labor rather than employees, and other economic changes on the horizon.\nHowever, no matter what political and economic issues come to mind, the central question revolves around the definition of an employer. The proposed new “joint employer” definition makes employers of people who have no direct relationship at all with the employees.\nSome of the responsibilities currently involved in identifying “joint employers” include these:\n- choosing and supplying uniforms\n- setting wages\n- scheduling working hours\n- direct supervision of work\n- promoting and firing of workers\nFranchisors do not typically take on these responsibilities, though they may have some influence in some areas.\nAlexander went on, “We live at a time when Democrats and Republicans bemoan the fact that it’s getting harder and harder to climb the economic ladder of success in our country. Successfully operating a franchise business is today one of the most important ways to do that.”\nWatch the hearing.", "label": "Yes"}
{"text": "Over 180 Workers Killed in Deadly Garment Factory Collapse in Bangladesh\nApril, 24 2013 Share\n[Updated, Wed 4/24 11 p.m.]\nAn eight-story building named Rana Plaza in the Savar neighborhood on the outskirts of Dhaka collapsed at 9:00 a.m. on Wednesday, April 24, 2013. As of Wednesday evening, 10 pm EST, 180 garment workers were onfirmed dead, and the death toll continues to rise. There were over 3,000 workers in the Rana Plaza building, of whom some 1,500 have been rescued. An estimated 1,000 workers have been injured, many hospitalized and many in need of blood transfusions. Workers have lost toes, legs and hands. Five to six hundred workers are are still trapped inside the rubble.\nOne worker stated, \"I was in the cutting section of the garment factory and suddenly we heard a huge noise and the building collapsed within a few minutes... I removed pushed away the rubble and came out with two other workers. But at least 30 other workers in my cutting section were still unaccounted for.\"\nThere were at least four garment factories in the eight story building:\n- New Wave Style\n- Ether Tex\n- Canton Tech Apparel\n- New Wave Bottoms\nThe Children’s Place and Cato are among the clients of the collapsed factories.\nBangladesh is tragically known for its lack of proper building codes combined with out-of-control graft.\nIt is the workers who pay the ultimate price. (Another 70 garment workers were killed in the same area in Savar in 2005 when another multiple story garment factory collapsed.)\nOur staff found these workers' ID cards in the rubble. It is not yet known whether these young women made it out alive or if they died in the collapse.\nOn Tuesday, April 23, the workers refused to enter the factory building. There were massive cracks in the factory walls, some measuring a foot wide and ten to twelve feet long. The workers could see directly into the factory.\nUnion leaders advised the workers not to enter the factory. A local sub-district director also told the workers not to go into the building. The sub-district director told the factory owner to lock the factory. But on Wednesday, April 24, the owner re-opened the factory.\nManagement told the workers, “You must go to work. If not, the garment shipments will not go out on time and if that happens, we will not have any money to pay your wages for the month.”\nAs it is, the workers and their families live hand-to-mouth, with no savings.\nThe workers had no choice and they entered the factory at 8:00 a.m. At 9:00 a.m., the factory building collapsed, as five or six floors pancaked on top of one another.\nAs of Wednesday night in Bangladesh, 130 workers were confirmed dead.\nFive to six hundred workers remain trapped in the rubble.\nPersonnel from the Bangladeshi military, fire fighters and police say it will take three days to remove the rubble. The workers think it will take more time. The fire department is using their hoses to run water into the collapsed building in hopes that water will reach some of the trapped workers.\nThe workers toil from 8:00 a.m. to 9:00, 9:30 or 10:30 p.m. –a 13 to 14 ½ hour shift, often seven days a week.\nThe workers were paid starvation wages—12 cents an hour for helpers, 22 cents for junior sewing operators and just 26 cents an hour for even the most senior sewing operators.\nEighty percent of the workers are young women 18, 19 and 20 years of age.\nThe workers want the factory owner—Mr. Rana, who named his massive building “Rana Plaza”--to be imprisoned. If not, they will go on general strike.\nDelwar Hossain, the owner of the Tazreen factory, which burned to the ground killing 112 workers in November 2012, is still walking free. The government has not brought charges against him. The workers say they will not allow Mr. Rana to get off scot free.\nThe Bangladeshi garment workers want the U.S. Government to deny Generalized System of Preferences (GSP) trade benefits to Bangladesh until the Bangladeshi workers finally have the right to organize independent unions.\nOne hundred percent of the workers want a union. But the owners and Bangladeshi government have refused to allow it. Rather than support the workers, the owners hire thugs to beat the workers, firing and blacklisting any worker who speaks up.", "label": "Yes"}
{"text": "Update (Nov. 25): Richard Hammar, senior editor of CT sister publication Church Law & Tax Report, offers five takeaways from Friday's housing allowance ruling, including his thoughts on the ruling's limited yet significant impact and a possible workaround available to Congress.\nHis advice while the appeals process shakes out: \"Churches should continue to designate housing allowances for ministerial employees for 2014, and church pension plans should continue to designate housing allowances for retired ministers.\"\nMeanwhile, the Evangelical Council for Financial Accountability (ECFA) stated the decision is \"sending shockwaves through the religious community, ... leaving many ministers wondering what the impact of this case will be.\" ECFA's take:\n\"This ruling [if not overturned] in effect would force clergy of nearly every religion across America to pay additional taxes, regardless of faith or creed. This will either force congregations to increase clergy compensation to offset these taxes or require pastors to dig deep to see if they are able to absorb these taxes.\"\nECFA also noted how the Commission on Accountability and Policy for Religious Organizations (CAPRO) advised last year that Congress \"should not apply a dollar limit to the clergy housing exclusion ... because attempting to do so would create more challenges than it would solve.\"\nOne of the most important tax breaks available to American pastors is unconstitutional.\nAt least, according to a federal judge's assessment of an atheist group's complaint that the IRS's clergy housing allowance—which will save pastors $700 million this year in income taxes—violates the establishment clause of the First Amendment.\nOn Friday, U.S. District Judge Barbara Crabb of Wisconsin ruled that the second part of IRS Code Sec. 107, which exempts clergy from paying income taxes on compensation considered a housing allowance, \"provides a benefit to religious persons and no one else, even though doing so is not necessary to alleviate a special burden on religious exercise.\"\n\"The significance of the benefit simply underscores the problem with the law, which is that it violates the well-established principle under the First Amendment that '[a]bsent the most unusual circumstances, one's religion ought not affect one's legal rights or duties or benefits,'\" wrote Crabb in a ruling first reported by the Wisconsin State Journal.\nThe decision leaves alone the first part of Sec. 107, which excludes the rental value of actual parsonages from being taxed.\nThe ruling, while notable, will not have an immediate impact upon clergy compensation because Crabb has stayed its effect until any appeals are resolved. The case, Freedom From Religion Foundation, Inc. v. Lew, will almost certainly be appealed to the Seventh Circuit Court of Appeals in Chicago. (The Seventh Circuit previously reversed Crabb's ruling that the National Day of Prayer was also unconstitutional.)\nThe housing allowance is \"the most important tax benefit available to ministers,\" according to GuideStone Financial Resources, the benefits arm of the Southern Baptist Convention (SBC). America's largest Protestant denomination opposes the ruling.\n\"The clergy housing allowance isn't a government establishment of religion, but just the reverse,\" said Russell D. Moore, president of the SBC's Ethics & Religious Liberty Commission. \"The allowance is neutral to all religions. Without it, clergy in small congregations of all sorts would be penalized and harmed.\"\nReligion News Service calculates that the loss of the housing allowance, if upheld, could reduce the take-home pay of some pastors by up to 10 percent.\nThe lawsuit by the Wisconsin-based Freedom From Religion Foundation (FFRF) addresses the practice of what it calls \"double dipping,\" wherein a pastor can use tax-free income to buy a home, then deduct interest paid on the mortgage and property taxes.\nCT previously noted how, after the FFRF's first challenge was dismissed due to lack of standing, the FFRF changed the way it compensated its co-presidents so that they received a housing allowance similar to many pastors. The federal government recently offered a novel defense: that atheist leaders could qualify as \"ministers of the gospel.\" Crabb's ruling rejects this idea. Howard Friedman of Religion Clause explains more.\nSuch housing allowances last came under scrutiny in 2002 when the IRS challenged megachurch pastor Rick Warren on his housing allowance claim of more than $70,000, leading Congress to revise the law and limit allowances to \"the fair rental value of the home.\" (CT offered its own take in an editorial.)\nAccording to CT sister resource Managing Your Church, the average base salary of a full-time senior pastor in 2012-2013 ranges from $33,000 to $70,000. Eighty-four percent of senior pastors surveyed said they also receive a housing allowance, which accounts for $20,000 to $38,000 in added compensation. The Joint Committee on Taxation calculates the exemption amounted to $700 million in recent years, notes Peter Reilly of Forbes.\nCT previously reported how the threat to pastor parsonages lost its legal legs but was revived again, and examined debate over whether or not Congress should change the rules on pastor housing allowances. CT also noted the quirky reasoning that recently allowed one prominent pastor to claim two parsonages.\nEditor's note: This post has been updated.", "label": "Yes"}
{"text": "Food defines people in different cultures and regions globally; the preparation, the components integrated into the food, and even the presentation are influenced by the differences in cultures. At the same time, people have different perspectives when it comes to food. While others take more time in the preparation, for others, simple approaches are the best as they help eliminate the complexity and the different elements that have to be integrated to attain the outcome. Partly, this relates to the activities and roles that people have in different regions. The fast economies place more emphasis on the skill integrated into the preparation of food and the effort that led to the preparation leading to sophisticated foods and selections while those in slow-paced economies are more concerned about the taste rather than presentation.\nMichael Pollan selected bread as food to characterize human activity as it is viewed and prepared in different ways all across the world. With the difference in preparation, there are other regions where it also is a representation of something different from what people really know about bread. Bread is a form of food in most parts of the world; in some regions, it is a form of escort taken with tea. In other regions, it is part of the main meal, while in other regions; it is a form of snack taken with beverages. These differences Pollan uses to define bread as both a product and enabler of civilization.\nIn the Arab Spring, the biggest outcry of the people was the standardization of the wheat prices to allow farmers and even small families get access to the food they required. Bread is a staple food that accompanies most of the delicacies prepared, with the increase in price for bread, demonstrations began with the people demanding standard pricing for bread. In regions where wheat farming is the main agricultural practice, volatility of the global wheat market develops an imbalance in the ability of farmers and corporations to continue operating. On a global level, the volatility of the wheat market could create a huge shortage of the resource creating a market gap with some of the regions depending on wheat forced to seek alternative food sources.\nIn the series, Pollan points out that the sourdough bread prepared by Richard could be edible by people with gluten intolerances. This is because it is prepared traditionallyand the yeast included is natural. The fermentation used in the development of bacteria is done in the original long way that ensures that the bacterium fully breaks down the gluten and carbohydrates in the bread. This results in ease in the release of nutrients within the bacteria and increasing the digestion process when the bread is consumed.\nDifferent regions have been forced to adopt different approaches to bread making in Morocco. The environment and the climate differences fromone region to another makes it difficult to ensure that the same approach is adopted across the country. Those in the heart of the desert are forced to use a different approach to making bread that allows them to use less heat and resources available. However, the ingredients applied in making the bread are similar.\nThe best approach to managing the inevitable food catastrophe is investing in modern approaches to management of the environment and increasing awareness on the involvement of the community in the development of measures necessary for the development and maintenance of standard measures of environmental management. Both in North Africa and Norway, the community is continually being involved in the management strategies to enhance the positive view towards natural environment management.", "label": "Yes"}
{"text": "Spotify CEO Daniel Ek defended the streamer’s handling of the Joe Rogan situation — and downplayed the impact of artists like Neil Young, Joni Mitchell, and more removing their music from the streaming service — during an earnings report Wednesday, the New York Times reports.\nThe earnings call came just days after Spotify imposed a new “content advisory” warning on Covid-19 discussions in the aftermath of artists and podcasters ditching the streaming service over the “misinformation” pumped out by the Joe Rogan Experience; despite the controversy, Spotify has stood behind Rogan, even though his Experience is now subject to the advisory warnings.\n“I think the important part here is that we don’t change our policies based on one creator nor do we change it based on any media cycle, or calls from anyone else,” Ek said during the earnings call. “Our policies have been carefully written with the input from numbers of internal and external experts in this space. And I do believe they’re right for our platform. And while Joe has a massive audience — he is actually the number one podcast in more than 90 markets — he also has to abide by those policies.”\nAs for the economic impact of the boycott of sorts inspired by Young and others, Ek said it was too early to gauge how it might affect the company’s revenues. “Usually when we’ve had controversies in the past, those are measured in months and not days. But I feel good about where we are in relation to that and obviously top line trends look very healthy still,” Ek said.\n(Spotify’s stock price has dropped in the week since Young pulled his music, but that dip is blamed more on factors like slower growth forecast than the fact that people can’t stream Harvest; in fact, Spotify’s stock has dropped from a high of $387 in Feb. 2021 to $166 at press time, an overall plummet that predates any Rogan controversy.)\nOn Thursday, podcast Roxane Gay became the latest content provider to part ways with Spotify, joining a growing faction that includes all members of Crosby, Stills, Nash and Young, Nils Lofgren, and podcasters like Bhene Brown and Mary Trump.\n“Obviously, it’s been a few notable days here at Spotify,” Ek added. “There’s no doubt that the last several weeks have presented a number of learning opportunities.”\nFrom Rolling Stone US", "label": "Yes"}
{"text": "We’re back chatting with Ameer Rosic CEO and cofounder of Block Geeks Inc. Ameer is a serial entrepreneur, marketing expert, and blockchain evangelist. Ameer discusses marketing a decentralized future and educating people in the fast-moving space of cryptocurrency. We discuss what led him there, how he operates his business in today’s decentralized virtual world and how cryptocurrencies are disrupting real estate\nWe also discuss the Keynesian economic model, how it’s affecting the current state of the markets today and how it relates to blockchain technology and smart contracts. We discuss why it’s Bitcoin’s time to shine and why Ameer is bullish on all crypto. After you have listened and you would like to discover more about cryptocurrencies and how they relate to real estate, check out our conversations with Ross MacDonald and Vincent Chok for even more insight and vision into the world of crypto and real estate.\n“And so I’m extremely bullish longterm. Like, who wants to get paid on dollar when I can get paid to some crypto in the future where I know for a fact this is an appreciating dollar, my buying power increases.” Ameer Rosic\nSome Topics We Discussed Include:\n- The future of digital currencies\n- What modern monetary theory is and how it relates to the current markets\n- Why it’s Bitcoins time to shine\n- How smart contracts can eliminate the need for lawyers in a real estate transaction\n- How crypto is disrupting education\n- Why we need to opt-out of a broken system\n- Why localism is on the rise\nReferences and Links Mentioned:\nContact Ameer Rosic\nWebsite – https://ameerrosic.com\nInstagram – https://www.instagram.com/ameerrosic\nYoutube – https://www.youtube.com/user/AmeerRosic\nContact David Morrell\nInstagram – https://www.instagram.com/thegreaterdavid\nTwittter – https://twitter.com/fearofdavid\nSubscribe + Leave a Review!\nThanks for tuning in to this week’s episode of the RUN GPG Podcast! Please leave us a review on iTunes. This will help us continue delivering beneficial content for you and our listeners each week!", "label": "Yes"}
{"text": "Bookkeeping Services For Business Owner to understand and manage their day to day transactions & identify the right time for expansions.\nAffordable Bookkeeping Services can be invaluable to you the business owner. Accounting services firm can help you minimize the time you spend at your desk.\nBy receiving the info pack we have added in a free, no obligation demo. We conduct the meeting at a venue of your chose, to help guide you through the system and discuss the potential benefits of EdMatrix. All you have to do is email the appropriate ...\nQuickBooks Bookkeeping Services is suitable for both small as well as medium-sized business as it provides various services and is easily compatible.\nTax time is time consuming so we save your time and money by offering Tax Preparation Services at Accounting Services Firms.\nIf you are a startup entrepreneur or have established a Small Business, then MYOB Bookkeeping Services what you need.", "label": "Yes"}
{"text": "Sponsored by Lucid Travel\nWhile summer is tournament travel season for youth sports families, recent research states that youth sports travel accounts for over $10 billion in spending per year. Similarly, Time Magazine’s August 2017 cover story poses that youth sports has become a $15 Billion industry, largely driven by the rise in the competitiveness of youth sports, and the growing importance of participation in tournaments as a requirement for kids to compete at the travel level.\nAccording to Don Schumacher, executive director of the National Association of Sports Commissions, “people who are participating [in sports] are participating with a vengeance. They are playing a lot of games and entering a lot of tournaments.” This trend does back to the beginning of the decade. In the early 2010s spending on travel for sports showed 3x as much growth as overall leisure travel. (Today.com)\nFor families of talented youth athletes looking to experience the best competition, travel is a must. And that means spending; on travel, hotels, food, and recreation while on the road.\nThe emergence of super-facilities like Ballparks of America, located in Branson, Mo., adds to the appeal of sports travel by featuring a top-of-the-line sports destination, offering something for the whole family.\nThe reality of this travel trend as the new standard of commitment to youth sports might seem daunting to the average American family, but in the modern age there are innovative ways to keep spending down.\nSome methods of saving include booking ahead to get better deals, price shopping airlines, rental car companies, or hotels, taking advantage of blocks to keep room rates down, and shopping and eating local.\nThere’s a new technology company in the market designed specifically to help make travel cheaper and easier for teams on the go.\nLucid Travel helps travel teams save on hotels, car rentals and flights, and earn cash back in the booking process.\nThey help teams save money by pulling in hotel rates from all the top 3rd party websites as well as rates directly from hotel properties so you know you’re getting the best price every time you make a reservation.\nWhat makes them different is that every time you book, your team earn up to 7% cash back.\nAs an added value, teams that book through Lucid Travel can also send their travel page to parents & fans that book hotels, car rentals, and flights for vacations and business travel as a way to fundraise for the team.\nLucid Travel makes it so easy to setup and begin savings. Once a team creates an account on Lucid Travel, they get a personalized travel page to send to parents and fans. Any booking made through their travel page will help that team earn money. Click here to see an example team page.\nLucid also has a tool that helps teams & tournament directors find discounted group rates for hotels. Simply fill out a group request form that is automatically sent to all the hotels near your event. You can still negotiate with the hotel managers and even pay them directly - Lucid just makes finding discounted bids easier. Group rates have been averaging 24% off standard rates. Click here to fill out the group request form.\nThousands of people have already started using Lucid to fundraise and save money on travel expenses.\nLucid Travel has agreed to give Youth1 teams direct access to their exclusive discounts which is usually only available to platinum members. Click here to create your free team travel page and start saving money while fundraising and take advantage of this special unrestricted access.\nTo learn more, click on the links below:\nYouth1’s Recruiting Counselors are on a mission to educate you on the recruiting process - one that's very competitive and starts early. Let us provide guidance through the most important decisions that shape your athlete's journey in sports.\nLearn how to become a recruitable student-athlete, find out what colleges you match best with, and get the ability to message college coaches directly with a specialized recruiting package.\nDon't wait, schedule a time to speak with a Youth1 Recruiting Counselor. It's FREE! Just fill out the following information and then select a date and time in the form below.", "label": "Yes"}
{"text": "Retirement is an exciting prospect. After all, who wouldn’t want to enjoy the freedom of leaving the working world and embracing the more leisurely life that comes with it? But planning for retirement is about more than just thinking about how you’d like to spend your days—it’s also about making sure you’re prepared for any unexpected expenses that come along.\nThat’s why it’s important to factor in the possibility of unforeseen costs when planning your retirement. Unexpected retirements expenses can be as small as buying a new set of tires for your car, or as large as needing long-term care in a nursing home. Fortunately, there are ways to plan ahead so you’re financially prepared for whatever life throws your way. In this article, we’ll look at some of the steps you can take to plan for unexpected retirement expenses.\nCommon Sources of Unexpected Expenses\nIn planning for retirement, you do your best to make sure all your bases are covered. But oftentimes, there can be unexpected expenses that come up. So what are some of the most common sources of these costs?\nFirst of all, medical expenses can easily crop up without warning. Even if you have Medicare, it doesn’t cover the full cost of care and so you might need to supplement with other insurance plans or pay out-of-pocket costs. Other common unexpected expenses include home repairs or renovations and travel expenses—both of which can add up quickly.\nIt’s also worth considering that as you age, your lifestyle might change—whether it’s trying out a new hobby or wanting to upgrade your wardrobe—and these costs can add up over time too. Lastly, inflation should always be taken into account when assessing your retirement budget so that it remains realistic and in line with the current market prices.\nPlanning for Tax Liabilities\nWhen it comes to retirement, one of the most important expenses to consider is taxes. As you move into retirement, the tax liability on your investments can significantly reduce the amount of income you have available each month.\nIn order to plan appropriately for tax liabilities, you’ll need to understand how different types of retirement income—such as Social Security and withdrawals from 401(k)s, IRAs and other savings accounts—are taxed. Tax rates vary depending on your income source and the type of income you receive, but generally speaking, the higher your taxable income in retirement, the more taxes you’ll need to factor into your retirement planning.\nIt’s also important to remember that tax rules are ever-evolving—for instance, there may be new deductions or credits that come into play in years after your retirement begins. To make sure you’re on track with taxation planning, it’s best speak with an experienced financial advisor who can provide guidance and advice tailored to your individual circumstances.\nTrue Costs of Living in Retirement\nWhen it comes to retirement planning, one of the biggest unknowns is the true cost of living after you stop working. Sure, you’ll have fewer expenses like commuting costs and work-related clothing, but there are a few key expenses that you may not be prepared for.\nLet’s take a look at them:\nMedicines & Healthcare\nMedicine costs are likely to be higher in retirement than they were while you were working. Even if you have health insurance coverage, prescription drugs, over-the-counter medication, and visits to doctors and dentists can all add up quickly. To make things worse, healthcare costs are often not set in stone—they could change year to year, so budgeting for them can be challenging.\nHome Maintenance & Repairs\nAnother expense that could surprise you? Homeownership. Maintenance and repairs will come up from time to time—a leaky roof, broken window or old appliances that need replacing can all add up quickly depending on the age of your home.\nTravel & Leisure\nFinally, if you plan on doing any traveling or leisure activities during retirement—all these expenses will come out of your pocket! Whether its plane tickets or hotel stays for trips abroad or simply dinner with friends once a week—retirement isn’t as ‘free’ as it seems at first glance.\nFortunately, taking steps such as setting aside money into an emergency fund can make it easier to prepare for the unexpected in retirement. That way when the inevitable comes along—you won’t be blindsided by larger than expected bills!\nMedicare, Long-Term Care, and Other Insurance Considerations\nAnother thing you might not think about when you’re planning for retirement is insurance. You might’ve handled your health insurance through your employer, but during retirement, you’ll need Medicare. And if that’s not enough, you may be looking at long-term care insurance or other kinds of supplemental insurance for yourself or your partner.\nIt’s wise to plan for the cost of Medicare in retirement. If you don’t already have it, it’ll cost $134 a month for this essential coverage in 2019, and more if you want better coverage. And even if you expect to qualify for free Medicare due to low income, there may still be out-of-pocket costs.\nLong-Term Care Insurance\nLong-term care insurance is a must if you want help covering fees associated with nursing home care and other medical services. This kind of insurance isn’t cheap—it can run up to several thousand dollars per year—so make sure this cost is part of your retirement budget.\nOther Types of Insurance\nYou may need supplemental coverage for prescription drugs or dental care that isn’t covered by Medicare or other traditional health plans; an annuity to provide an income stream; life insurance in the event something happens to either spouse; and different types of homeowners’ and auto policies before retirement age (which will usually give you lower premiums than after retiring). When it comes to unexpected expenses in retirement, consider all the angles—insurance being one big one!\nWays to Pay for Unexpected Expenses in Retirement\nWhen it comes to planning for retirement, everyone knows that it’s important to have a plan in case of unexpected expenses. But, how do you go about paying for them? Here are some of the best ways you can handle those surprise costs:\nRetirement Savings Accounts\nRetirement savings accounts such as 401(k)s and IRAs are great for long-term investment and planning for retirement. But did you know that they can also be used to pay for unexpected retirement expenses? Withdrawing funds from your retirement accounts can help cover medical bills, home repairs, and more. It’s important to note that once the money is withdrawn from a 401(k) or IRA, there may be penalties or taxes associated with the withdrawal.\nHaving an emergency fund set aside specifically for unexpected retirement expenses can be one of the most reliable ways to cover those costs. If you already have an emergency fund, make sure it’s easily accessible and have it strategically placed in a high-interest savings account so that it is ready whenever you need it.\nUsing credit cards can be a good way to cover unexpected retirement expenses if they offer rewards or low-interest rates on specific purchases (like medical bills). However, if this isn’t an option, it’s best to avoid using credit cards altogether — any interest rates or fees associated with these payments could add up very quickly and leave you in financial trouble.\nNo matter what payment method you choose, always plan ahead and research your options so that when unexcpecting expenses arise in retirement, you’re prepared with the best solution possible!\nFinding the Resources to Cover Unplanned Expenses\nIt’s easy to plan for the expected expenses during retirement, but it’s important to remember that you may have some unexpected expenses pop up, too. It’s good to be prepared for these by having a plan in place.\nWhen an unexpected expense arises, it’s important to do your research and find out what options are available. Do you have a pension or investment account that could be tapped into? Is there help available through local or state resources? A little research can go a long way in helping you find the resources you need.\nBudget for Future Expenses\nTake into consideration the fact that some of your unexpected expenses may be recurring ones, like home repairs or medical bills. Plan ahead by setting aside money each month to cover these costs when they arise. That way, you’ll be able to pay them without stressing about where the money is going to come from.\nIt can be scary and overwhelming when an unexpected expense arises in retirement, but having a plan in place can make all of the difference. Taking the time to do your research and budgeting for future expenses will help ensure you have access to the resources you need—no matter what comes your way.\nRetirement planning is not just about saving for the future—it’s about ensuring you have enough money to cover the unexpected. Unexpected expenses can seem daunting, but there are ways to plan for them so that you are prepared. Start by being aware of the most common unexpected expenses that could arise in retirement, such as healthcare costs, housing expenses and taxes, and set aside funds to cover them. Additionally, make sure to communicate with your financial advisor and ensure that your retirement plan includes proper insurance and estate planning so that you’re protected in case of an emergency. With thoughtful planning, you can rest assured that you’ll be able to cover any unexpected expenses during retirement.\nFor Perfect Guidance and Help, Get in touch with Peak Mutual today", "label": "Yes"}
{"text": "About Verisk Analytics\nVerisk Analytics is a leading data analytics provider serving customers in insurance, natural resources, and financial services. Using advanced technologies to collect and analyze billions of records, Verisk Analytics draws on unique data assets and deep domain expertise to provide first-to-market innovations that are integrated into customer workflows. Verisk offers predictive analytics and decision support solutions to customers in rating, underwriting, claims, catastrophe and weather risk, global risk analytics, natural resources intelligence, economic forecasting, and many other fields. Around the world, Verisk Analytics helps customers protect people, property, and financial assets.\nSince 1971, ISO has been a leading source of information about property/casualty insurance risk. For a broad spectrum of commercial and personal lines of insurance, ISO provides statistical, actuarial, underwriting, and claims information and analytics; compliance and fraud identification tools; policy language; information about specific locations; and technical services. ISO serves insurers, reinsurers, agents and brokers, insurance regulators, risk managers, and other participants in the property/casualty insurance marketplace. ISO is a Verisk Analytics (Nasdaq:VRSK) business. For more information, please visit www.verisk.com/iso.\nWorking with EIS\nVerisk Analytics has a strategic alliance with EIS for the licensing of the ISO Electronic Rating Content (ERC).", "label": "Yes"}
{"text": "Hackett Excelleration Matrix™Concludes that Modern Customer-to-Cash Receivables Platforms Deliver Superior Value Realization\nMIAMI & LONDON, March 29, 2023 – Modern customer-to-cash (C2C) receivables platforms deliver superior value realization and return on investment when compared to legacy applications, according to new Market Intelligence Service research from The Hackett Group, Inc. (NASDAQ: HCKT). Modern platforms offer improved cash flow management, better customer and employee experience, touchless capabilities and superior AI and analytics. Benefits include:\n- 43% overall average performance advantage over legacy systems\n- 87% positive customer experience\n- 70% increase in touchless cash application for payment automation\n- 63% reduction in past due receivables greater than 90 days\n- 10x increased operating cash released from disputed receivables\n- $107 million/year in additional operating cash (for a typical $10 billion company)\nTed A. Fernandez, Chairman & CEO of The Hackett Group®, explained The Hackett Excelleration Matrix™ research. “Our global clients, which includes 93% of the Fortune 100, cited a gap in provider insight around the realization of value from specific software and service investments. The Hackett Group is uniquely qualified to address this fundamental requirement in market intelligence due to our vast benchmarking database and implementation knowledge. We are pleased to issue our first Hackett Excelleration Matrix in C2C receivables – which will quickly be followed by a series of similar research reports covering software and services across the enterprise, including purchase-to-pay software and finance & accounting outsourcers.”\nThe C2C Receivables Hackett Excelleration Matrix and related research is the first from The Hackett Group’s new Market Intelligence Service. The service is designed to evaluate software and service providers’ ability to deliver value from specialized and differentiated capabilities. The Hackett Excelleration Matrix analyzes providers’ unique capabilities against the value executives can expect from their solution. Providers that offer breakthrough capabilities and incredible value realization earn the distinction of Digital World Class®.\nRelated to the C2C receivable research scope, The Hackett Group analyzed nine leading software providers in three key areas: cash application, collections management and dispute management. The research analyzed performance data in The Hackett Group’s extensive proprietary benchmarking database, software performance data from customers using the C2C receivables solutions, and interviews with the solution providers and end users.\nThe full C2C receivables research is available now to The Hackett Group’s solution providers, research advisory, and consulting clients through a new C2C Software Market Intelligence Program that provides a concierge level of insight into the C2C solution provider market. A summary report is available on a complimentary basis, with registration, at http://go.poweredbyhackett.com/c2csp2212sm. The full 70-page C2C Receivables Market Intelligence research is also available for purchase. Interested parties can learn more at http://go.poweredbyhackett.com/c2cspr2303 or by visiting the landing page for our Market Intelligence Service at https://www.thehackettgroup.com/market-intelligence/.\nAccording to Chief Market Intelligence Officer Michel Janssen, “Over the last five years, companies have invested more than a billion dollars in modern C2C receivables platforms. Now, with interest rates on the rise and concerns over recession growing, working capital management is more important than it has been in quite some time. And the results are clear. These modern platforms integrate cutting-edge technologies such as data mining, artificial intelligence and machine learning to optimize the customer-to-cash process. Compared to legacy platforms, they offer improved cash flow management, better customer and employee experience, nearly double the level of fully automated transactions, superior analytics tools and more.”\nAssociate Principal and Global Customer-to-Cash Practice Leader Bryan DeGraw added, “Even among the modern platforms, there is a significant difference between solution providers in terms of their ability to deliver real value, cost reduction and business process improvement. Three solution providers demonstrate powerful automation features such as advanced automation, AI, predictive analytics, strong analytical tools and exceptional user experience, which simply drove higher ROI, earning them the distinction of Digital World Class.”\nAbout The Hackett Group\nThe Hackett Group, Inc. (NASDAQ: HCKT) is a leading benchmarking, research advisory and strategic consultancy firm that enables organizations to achieve Digital World Class™ performance.\nDrawing upon our unparalleled intellectual property from more than 25,000 benchmark studies and our Hackett-Certified® best practices repository from the world’s leading businesses – including 97% of the Dow Jones Industrials, 93% of the Fortune 100, 73% of the DAX 40 and 52% of the FTSE 100 – captured through our leading benchmarking platform, Quantum Leap® and our Digital Transformation Platform, we accelerate digital transformations, including enterprise cloud implementations.\nMore information on The Hackett Group is available at: www.thehackettgroup.com, email@example.com, or by calling (770) 225-3600.\nThe Hackett Group, Hackett-Certified, quadrant logo, World Class Defined and Enabled, Quantum Leap, Digital World Class and Hackett Excelleration Matrix are the registered marks of The Hackett Group.\nCautionary Statement Regarding “Forward-Looking” Statements\nThis release contains “forward-looking” statements within the meaning of Section 27A of the Securities Act of 1933 as amended and Section 21E of the Securities Exchange Act of 1934, as amended. Statements including without limitation, words such as “expects,” “anticipates,” “intends,” “plans,” “believes,” seeks,” “estimates,” or other similar phrases or variations of such words or similar expressions indicating, present or future anticipated or expected occurrences or outcomes are intended to identify such forward-looking statements. Forward-looking statements are not statements of historical fact and involve known and unknown risks, uncertainties and other factors that may cause the Company’s actual results, performance or achievements to be materially different from the results, performance or achievements expressed or implied by the forward-looking statements. Factors that may impact such forward-looking statements include without limitation, the ability of The Hackett Group to effectively market its digital transformation and other consulting services, competition from other consulting and technology companies that may have or develop in the future, similar offerings, the commercial viability of The Hackett Group and its services as well as other risk detailed in The Hackett Group’s reports filed with the United States Securities and Exchange Commission. The Hackett Group does not undertake any duty to update this release or any forward-looking statements contained herein.", "label": "Yes"}
{"text": "We wanted to make sure you didn't miss the announcement of our new Sustainer program. Once you've finished reading, take a moment to check out the new program, as well as all the benefits of becoming a Sustainer.\nJournalists and economic commentators have been deeply concerned with predicting when the recession will end. Cable TV has spent hours reading economic tea leaves, searching for signs of recovery.\nYesterday, NPR ran a story about NFL Football and the economy. The NFL has a rule that if tickets are still available 72 hours before kickoff, then local TV cannot broadcast the game.\n(Last year, this happened nine times. This year, the number is expected to be more than twelve. The larger the number of TV blackouts, apparently, the less confidence people have in the economy — as indicated by lower ticket sales.)\nIt’s obvious why we obsess over the economy: we are worried and hope the worst might be over. NPR has been running a recurring feature asking people to call in with their personal econometric indicator, often offering cute attempts at humor.\nWell, here’s my economic indicator: the day laborers at 69th Street in Jackson Heights, Queens.\nJackson Heights is one of the most diverse communities in the United States, with over twenty spoken languages, dozens of ethnicities and real mix of working and middle classes. To my mind, it’s one of the best places to experience real cosmopolitanism in the country.\nIts working-class residents, however, have been hit hard by the recession. 69th Street, a minor commercial street for the community, is a barometer for the economy.\nThe street has functioned as a kind of open-air hiring center for day laborers during the least five years, sort of the way Home Depot parking lots work in the suburbs. I travel down this street regularly, and have watched the ebb and flow of our economy.\nI have witnessed groups of workers hanging around street corners waiting for work, exactly the same way garment workers would gather on street corners in the Lower East Side a hundred years ago. I have spoken to many workers, mostly young men from El Salvador or Mexico, about their work and lives.\nThey stand in small groups, waiting for vans or cars to pull up and hire them. In boom times, many worked seven days a week, often ten hours a day. Today, they are lucky if they work two full days per week.\nStanding in the street, talking to drivers through open windows, they negotiate their wages for the day. In the past few years, most of the workers were gone by early morning, hired by contractors for jobs in construction during the housing boom in NYC.\nIn the past few months, I noticed that there are large numbers of workers still searching for work well after noon. On a recent afternoon, around 2 p.m., I counted more than 200 workers in a ten-block area.\nThere is an air of desperation on the street. As the day drags on and cars stop pulling over, a sense of dread falls over them. These men, in their early 20s, have dependents here and in their home countries who are supported by their wages.\nNot working for a few days often means little money back home and little to eat here.\nNPR might find some light-heartedness in their discussion of signs of economic recovery, but from 69th Street, things look bleak and there is no indication that things might improve.\nNow, I know this might not be the leading economic indicator Wall Street is looking for. But wouldn’t it be something if it was?\nWe surveyed thousands of readers and asked what they would like to see in a monthly giving program. Now, for the first time, we're offering three different levels of support, with rewards at each level, including a magazine subscription, books, tote bags, events and more—all starting at less than 17 cents a day. Check out the new Sustainer program.", "label": "Yes"}
{"text": "Seagate Technology Holdings PLC delivered better-than-expected earnings Friday morning and issued a forecast for the current period that exceeded analyst expectations at the midpoint. The company reported fiscal first-quarter net income of $526 million, or $2.28 a share, up from $223 million, or 86 cents a share, in the year-earlier period. On an adjusted basis, Seagate earned $2.35 a share, up from 93 cents a year prior and ahead of the FactSet consensus, which called for $2.21 a share. Seagate’s revenue increased to $3.12 billion from $2.31 billion, while analysts had been looking for $3.11 billion. The company benefited from “ongoing demand from cloud data-center customers and strength in the video and image applications markets,” Chief Executive Dave Mosley said in a release. For the fiscal second quarter, the company expects $2.95 billion to $3.25 billion in revenue and $2.20 to $2.50 a share in adjusted earnings. Analysts were modeling $3.0 billion in revenue and $2.13 in adjusted earnings per share for the December quarter. Seagate shares have declined 1.1% over the past three months as the S&P 500 has added 4.4%. Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.\n- Key Words: Medical groups warn of ‘negative mental-health outcomes’ after Supreme Court overturns Roe v. Wade - June 25, 2022\n- : 5 ways the housing market left buyers in the dust — and it’s not over yet - June 25, 2022\n- : Americans are feeling increasingly uncomfortable about their savings as inflation takes its toll - June 25, 2022", "label": "Yes"}
{"text": "Obamacare is code for raising every American’s taxes, making it sound like our president wants the best for your health. It’s just the opposite: He wants to keep raising taxes, and this is a way to do it without anyone having a clue.\nSomeone in Opinion Line equated car insurance (being ticketed and fined if you don’t have it) and health insurance. There is no similarity. So far the government hasn’t required everyone purchase a car. Today that is still a choice, and not everyone has one.\nYou have a choice of whether to purchase a vehicle. If you do, you need to buy insurance. The Affordable Care Act does not give you this choice. You either purchase health insurance or pay a tax. It doesn’t matter if you need health insurance or not. Everyone still has to purchase it.\nAlmost 11 percent of Kansas residents have no health insurance. I am tired of paying for these deadbeats’ doctor and hospital bills. Thank goodness that with Obamacare, they will have to pay something.\nPeople who are happy about Obamacare’s front-loaded benefits haven’t looked two or three years down the road to see the aggravation it will cause.\nAn honest politician is one who, when bought, stays bought. There is little doubt that Republicans are honest politicians.\n“Revenue enhancement” is politician lingo for tax or fee increases.\nSo if the Republicans and the tea party get the health care bill fully repealed, do hospitals and other public medical facilities get to bill those parties for all the ER, hospital and medical services that must continue to be provided to the uninsured indigents?\nThe indictment and conviction of the Philadelphia Roman Catholic monsignor for doing nothing to protect innocent children from a pedophile priest was long overdue. I hope the Catholic Church now realizes that the sexual abuse of children at the hands of clergy will not be tolerated, and they will be held accountable. Let the indictments begin.\nBanks and credit unions don’t ask their depositors whom they would like as the beneficiary on their accounts. You must tell them whom you want for a beneficiary. It is up to you to make sure where your money goes.\nWhile public schoolteachers are rated 97.6 percent above average, student achievement declines year after year. Even though we are falling below our peers around the globe, teacher unions fight doggedly against meaningful evaluations. Bad teachers are a disaster for an entire generation.", "label": "Yes"}
{"text": "Gb Home Imporvements Ltd is a Private Limited Company. The company registration number is 09458787. Gb Home Imporvements Ltd has been working since 2/25/2015. The present status of the company is Active - Proposal to Strike off. The registered address of Gb Home Imporvements Ltd is 217a Watford Road Middlesex United Kingdom Ha1 3ua. . Ashish Bhatt is a Secretary of the company. Ashish Kashyapbhai Bhatt is a Director of the company. From these basic company details through to insolvency checks, bankruptcy to litigation, and ownership to revenue - our credit reports will help you check any company for possible risk and liability.", "label": "Yes"}
{"text": "Money control consultancies supply solutions to some wide range of non-public buyers between affluent to extra affluent and also net-well worth persons and groups. The primary objective of these advisors should be to enable their confidential purchaser in developing a long-time period maintainable purchase selection that can produce equally cash and a second income. These experts enable their personal customers select which financial commitment options right for building their wealth. If you have any kind of questions regarding where and how you can make use of gestion de patrimoine, you could call us at our site. A good specialist can help their personal buyers generate and gaze after a comprehensive want to tackle most of the expenditure issues with their collection, and producing new investment opportunities for dealing with their wealth.\nA primary assessment is often free, though a subscription is necessary for more detailed talks. Huge selection administration consultancies usually function as auto for financial authorities to advertise themselves to rich men and women. This is why, the following talk will teach you the characteristics of monetary advisors doing work for prosperity managers.\nEconomic consultants are envisioned having reveal perception of very own fund and riches management. This knowing should extend to power they have to understand the general character of purchases these are promoting thus to their personal shopper. Moreover, the fiscal specialist must be able to provide suggestions about numerous merchandise which include selections, progress autos, along with goods essential to their client’s ambitions. When scouting for plenty Supervisor, it is crucial that this consultant be skilled and familiar with theitems and strategies, and techniques which have been that are useful to the purchaser. If there are precise expenditure techniques or goods that are not likely to benefit you for your targets, the Prosperity Office manager should be able to go over those people suggestions with you prior to a final final decision on whether or not to go after them.\nFinancial analysts need to experience a powerful history in investment business banking andAndor stocks broker, also. This expertise is required to aid discussions concerning the investment strategies they’re proposing for finding out how big their suggested opportunities. Furthermore, economical analysts are usually demanded to possess a solid standard of expertise in regulation expectations and guidelines regarding a purchase sector. As a result, this knowledge is very important to transforming into a effective Prosperity Supervisor. The fact is, it may be thought to be an essential necessity for gaining admittance in the field.\nEconomical coordinators also are expected to have a compelling background experience in est preparation. Most people with good associations in the real estate sector usually see independently doing its job as monetary and even cruise directors. Property preparation is important to extended-period retirement living planning. Most people know that they have to get started positioning income into retirement savings to make certain a comfy and risk-free long run, as pension techniques. Personal organizers are sometimes the very first experts to offer such type of assistance and are generally priceless in offering superb advice to be able to greatest reach and maintain suitable retirement living aims.\nA serious deliberation over any Success Boss’s career is include them as proposing opportunities having a substantial value to their customers. The ultimate purpose of quite a lot manager is always to deliver clients having a reliable and safe collection that should ensure lasting huge selection and progress. Stock portfolio variation is utterly necessary to a permanent and firm prosperity supervision system.\nAlso, economical coordinators should be aware of various legal requirements and procedures that must definitely be implemented in every point out where by the clientele may possibly survive. Riches operators must also fully grasp regional income tax laws and be able to modify sound investment decision supervision promises to fulfill the legal requirements and needs of each and every unique purchaser. On top of that, several declare prosperity professionals present specialist witness solutions recommended to their clients who normally make use of skilled accounts to assist them to succeed instances and decide legal actions. These types of services are certainly important to specific business owners and people. Certainly, several effective business men and business owners wouldn’t reach their objectives if you’re not to the extremely professional and qualified professional advice of the fiscal planning software or insurance director.\nMoney insurance plan and executives executives engage in an essential position while in the results and earning of practically every particular person and family who use their helps. Right preparing is always important through the existence of everyone concerned. Therefore, extended prior to making significant fiscal judgements concerning your pension or maybe your your children’s college education, always consult a qualified and experienced economic expert or insurance boss. This will assist you to obtain your long lasting financial targets that will create a host into the future that you will with luck , live and eat. You may be sure that your long term preparing and investment strategies stay profitable and sound money.", "label": "Yes"}
{"text": "All the latest news and views from the CPSU team\nBuild a Better Future: IWD highlights gender inequity in Australia\nAUSTRALIA’S FUTURE needs working women and to encourage this we need to gender equity.\nYesterday was International Women’s Day and the ACTU Gender Pay Gap – Over the Life Cycle report showed there’s plenty of work still to do, with women are still disadvantaged at every stage of life.\nChildhood: Young girls receive 11% less pocket money than boys\nThe workplace: Women earn $284.20 less per week than men\nPregnancy, motherhood & caring: Women, during their child bearing years (25-44) earn up to 40% less than men in the same age group, regardless of if they have children\nRetirement: The average superannuation balance for women at retirement is $138,150 for women compared with $292,500 for men\nWhat Unions want: A government funded parental leave scheme of 26 weeks paid at no less than the national minimum wage plus superannuation; Fifteen hours of free childcare for every child per week for all families; and a right to request flexible work arrangements that clearly set out an employer’s obligations to properly consider and make reasonable efforts to accommodate requests.\nRead more here.\nSign the petition to save paid parental leave here.\nRead the CPSU’s What Women Want 2015/16 survey report here, which shows what issues are important to women working in the Australian Public Service. The survey showed:\nFlexible working hours matter; women are under increasing pressure at work, respondents are finding it harder to manage their work and personal life and there’s greater concern about the outsourcing and casualisation of jobs.", "label": "Yes"}
{"text": "Evolutionary game theory and organizational ecology: the case of resource-partitioning theory\nvan Witteloostuijn, Arjen\nFaculty of Applied Economics\nAntwerp :UA, 2009\nResearch paper / UA, Faculty of Applied Economics; 2009:2\nUniversity of Antwerp\nIn this paper, we construct a mathematical model that applies tools from evolutionary game theory to issues in organizational ecology. Evolutionary game theory shares the key feature of mathematical rigor with the industrial organization tradition, but is similar to organizational ecology by emphasizing evolutionary dynamics. Evolutionary game theory may well be a complementary modeling tool for the analytical study of organizational ecology issues, next to formal logic, standard game theory, and agent-based simulation. We illustrate this claim in the context of resource-partitioning theory. We assess the impact of an organization populations resource space shape and scale economies on organizational performance and market evolution. The model demonstrates that the shift of resource distribution from homogeneous (heterogeneous) to heterogeneous (homogeneous) benefits specialism (generalism). On top of that, we offer a new result by revealing the distinct effects of external and internal scale economies on market evolution.", "label": "Yes"}
{"text": "Current title/employer (since 2012): Senior vice president of business banking and SBA lending, Bell State Bank & Trust\nPrevious employer (2011 to 2012): Western Bank\nEducation: B.A., political science, University of Minnesota, 2003\nProudest community achievement: Serving for more than seven years on the Risk Management Association board\nFamily: Husband, Todd; two sons, one daughter\nIn 2002, Erin Procko went into commercial lending instead of attending law school. Now, Bell State Bank & Trust has its own commercial lending guru.\nProcko was vice president of commercial and Small Business Administration lending at Western Bank in 2012, and she was content. But Bell State was a community bank — one with opportunities for growth — so she became its senior vice president of business banking with an emphasis on SBA lending.\n“I manage our commercial lending portfolio and grow it while monitoring risk and developing relationships with business owners,” she said.\nProcko loves to help entrepreneurs who don’t qualify for a conventional loan get the funds they need with the government’s help. “The bank just needs assurance in cases like this, and [the SBA is] another avenue to help business owners realize their dreams, support the economy, and create jobs,” she said.\nProcko is an active Risk Management Association member, serving for the last seven years on the Minnesota chapter’s board. The chapter offers networking and other events, but Procko focuses on education. “Nobody goes to school for commercial lending, so there are a lot of specific educational opportunities,” she said.\nA passion for businesses motivates Procko. She recently started a Minnesota Chamber of Commerce leadership program where professionals visit businesses to learn about their challenges and opportunities, and she toured the Cambria plant in Le Sueur in September as part of the program. “It’s fascinating to see how things are really made,” she said.", "label": "Yes"}
{"text": "Savers should ditch this dreadful account\nSavers in Woolwich Direct Access, the postal or phone-based account which gives easy access to savings, should get out now.\nOtherwise they will be dumped into Barclays Bonus Saver, which not only pays less interest, but also docks some of it when you take money out of your account. This poor account is no longer being sold to Barclays savers because it was closed to new business last month.\nThey are being offered the superior Day-to-Day Savings, a branch-based account which pays a higher 3.6% (4%) on £1 or more.\nThe downgrading of the Woolwich account comes as it closes its doors to savers to become the mortgage brand of Barclays. It is writing to its 3.6m savers and 2m current account holders, giving details of which account they will be moved into.\nDirect Access pays 3.32% after savings tax (4.16% before tax) on up to £10,000. But the Bonus Saver pays just 1.2% (1.5%) up to £5,000 and 3.23% (4.04%) on £5,000 to £10,000.\nTo add insult to injury, you earn even less if you take money out of the account. The Bonus Saver rates include a 1.2% (1.5%) bonus. You qualify for it only in the months you leave your money untouched.\nMake just four withdrawals in a year and you see only 0.8% (1%) of the bonus, bringing the interest rate down to 2.83% (3.54%) at £5,000. Only those with £10,000-£25,000 in the account will be marginally better off - but only if they leave their money untouched.\nAnd you can only run Bonus Saver as a phone account if you have a Barclays current account. Savers looking for a telephone or postal account will do better with the 4.4% (5.5%) from Birmingham Midshires. p>\nBeat the banks\nThis is Money wants to help consumers fight back against profit-hungry banks. Try these links...\nMoney Mail recently revealed that Woolwich Card Saver account holders are being denied use of some cash machines and can no longer use their card as a debit card once they have been switched into Barclays Flexible Savings Account.\nBarclays Flexible Savings pays savers 2.64% after savings tax (3.3% before tax) at £1. Co-op Bank pays a better 3.6% (4.05%).\nMost watched Money videos\n- Ferrari launches new green supercar: 296 GTB plug-in hybrid\n- 'The future of housing': Ilke Homes showcase their rapid build houses\n- Discover the water-resistant interior of the new Ineos Grenadier 4X4\n- Take a look at £3.3 million Bugatti Chiron Super Sport hypercar\n- Volkswagen reveals stylish hybrid, seven-seater, family bus\n- E-Type UK Unleashed transforms classic cars using modern features\n- Stunning Lotus Emira unveiled as company's last petrol car\n- 1937 Bugatti Type 57: One of the most valuable pre-war cars\n- Why UK smaller companies can profit in the recovery\n- Futuristic zero-emissions electric Ioniq 5 from Hyundai\n- Hennessey unveils Mammoth 1000 that can hit 60mph in 3.2 seconds\n- Vauxhall to make electric Opel Manta GSe ElektroMOD concept car", "label": "Yes"}
{"text": "Surface/underground mine cost models a variety of sizes/types: theoretical mining operations, flotation milling, carbon-in-pulp, heap leach & placer models.\noperating costs.of the top ten issues mining companies are likely to face in productivity and maintain s le operating costs.one such contractor is such as and.komatsu, peal is able to guarantee that the equipment.\nMine & Mill Equipment Costs ... Mine & Mill Equipment Costs Estimator's Guide, Capital & Operating Costs ... broad range of important data about other mining cost ...\nMining Equipment Operating Costs Increase Dramatically Monday, September 24, 2007 Newly released CostMine data shows a continuing dramatic increase in mining equipment operating costs.\nCapital and Operating Costspdf Province of ,- MINING EQUIPMENTS and cost ,2-20 Mining Equipment (Account 94000) ,, 2-21 Coal Conveying, Crushing, and Blending ...\nIn studying the various factors affecting milling costs, the one point that is most noticeable is the effect of operating time on these costs. Plants that have mechanical difficulties show costs greatly in excess of those with full operating time working under comparable conditions, and this demonstrates clearly the importance of having fool proof and\nProductivity and Cost ... Maintenance Cost Operating Cost Equipment effectiveness ... Productivity and cost management in the mining industry ...\noperatng cost of mining equipements operatng cost of mining equipements. CostMine Industry Standard for Mining Cost Gold Mining Equipment by MSI Mining\nMining Equipment Costs Free Data for Mine Cost Estimates Mining Equipment Fleet. Capital & Operating Costs 10,000 tpd (ore + waste) open pit mine\nTo identify the true cost of equipment mismanagement, take a closer look at the issue. There are many costs associated with maintaining a pump, such as a yearly cost of $18,000 or the capital costs of a new shovel, which can be millions of dollars. Also, there are hidden costs of unplanned purchases and associated logistics.", "label": "Yes"}
{"text": "IGM Financial’s portfolio of strategic investments had another exceptional year, deriving value from previous investments and integrating them in ways that generate new benefits to investors and clients.\nFounded in 1998 as one of the first fund management companies in China, CAMC has developed and maintained a position among the market leaders in China’s asset management industry\n27.8% ownership interest\nNorthleaf is a global private markets investment firm focused on mid-market companies and assets, with an established long-term track record as a principal investor in private equity, private credit and infrastructure globally.\n56% economic interest\nWealthsimple is Canada’s largest online investment management service offering best-in-class digital access, innovation, client service and delivery.\nPortag3, a venture capital fund focused on the financial technology sector, has holdings in over 30 early-stage financial technology companies including Wealthsimple.\n$603 million fair value\nGreat-West Lifeco is a financial services holding company with interests in the life insurance, health insurance, retirement savings, investment management and reinsurance businesses.\n2.4% ownership interest", "label": "Yes"}
{"text": "The Japanese IT sector is comprised of different areas, including computer software, hardware, the internet, semiconductors, electronics and others. The IT is largely recognized as an important resource for the service industry. Our company formation consultants in Japan can assist you in opening an IT company in Japan.\nTable of Contents\nIT opportunities in Japan\nThe Information and Communications Technology (ICT) sector in Japan is projected to be the most developed sector in the country.\nIn 2011, this industry was worth USD 1.2 trillion, while the local government wants to further develop it to reach USD 2.4 by 2020. Our company registration advisors in Japan can provide further information related to this subject.\nThe opportunities in the ICT industry in Japan are numerous. Most importantly, Japan is ranked the third largest market with average revenue per user in Asia.\nThe country is projected to reach 160 million mobile phone subscribers which will increase by 2019.\nThe e-commerce is achieving a greater importance across all sectors, therefore there is a huge potential in the online consumer market, with the county being the fourth largest e-commerce market internationally.\nCybersecurity, e-commerce development and other IT sectors, they all represent countless opportunities which are awaiting entrepreneurs and investors. Our company registration executives in Japan can assist you in setting up a company in Japan in these sectors.\nIT company managers can apply for a Business Manager visa with out help. This type of permit allows the holder to engage in business management and/or international trade activities, provided that the company complies with certain conditions. Our team can give you more information about the application process is you are interested in obtaining Japanese residency.\nIn order to immigrate to Japan, one will need to acquire the status of permanent resident. This is awarded to individuals who are of good conduct, who have sufficient income to live independently in Japan, and who have spent sufficient time in the country (in most cases, the minimum period is ten consecutive years, with only a minimum amount of time spent outside the country).\nThe IT Basic Law in Japan\nThe IT Basic Law in Japan (the Basic Bill for the Formation and Advanced Information Communication Network Society) was issued in 2001. Our Japan company formation representatives can offer more details related to this law.\nThe Law stipulates that the “Formation of an Advanced Information Communication Network Society” has to enable, among other things, the e-commerce.\nAdditionally, it stipulates that in issuing policies connected to the “Formation of an Advanced Information Communication Network Society”, measures for enabling e-commerce (e.g. reviewing regulations, providing appropriate protection, making new rules and so on) have to be taken.\nIf you are interested in the IT sector in Japan and would like to open a company in this industry here, please speak to our friendly company formation advisors in Japan.", "label": "Yes"}
{"text": "Singapore is a shining beacon of financial innovation and stability in Asia, captivating investors worldwide with its vibrant and dynamic markets and promising investment opportunities. Among these opportunities, Real Estate Investment Trusts (REITs) have emerged as desirable options for investors, offering a unique blend of growth potential and income stability that can bolster any investment portfolio.\nThis article will delve into the various intricacies of Singapore REITs, providing in-depth insights into their structure, benefits, and how they seamlessly integrate into an investor’s well-rounded portfolio strategy. By shedding light on these aspects, investors can better understand Singapore REITs and make informed decisions to optimise their investment endeavours.\nSingapore REITs, or S-REITs, are investment vehicles that own, operate, or finance real estate across various sectors. These can include commercial, residential, industrial, and retail properties. S-REITs allow individual investors to invest in large-scale, income-generating real estate, a privilege once reserved for wealthy individuals or institutional investors.\nThe structure of Singapore REITs\nHere are the critical components of a S-REIT structure:\nGovernance and regulation\nS-REITs are strictly regulated by the Monetary Authority of Singapore (MAS), ensuring transparency, fair dealing, and investor protection. The REIT manager must be a separate entity from the trustee, which holds the REIT assets in trust for unitholders.\nTo list on the Singapore Exchange (SGX), S-REITs must meet stringent financial criteria, including a minimum market capitalisation of $300 million and at least 90% of its income from rental properties. This listing requirement ensures that only stable and established REITs can be traded on the SGX, providing investors with security.\nS-REITs in Singapore are exempt from corporate taxes if they distribute up to 90% of their taxable income to unitholders. This tax structure allows S-REITs to generate higher yields, making them attractive investments for income-seeking investors.\nBenefits of investing in Singapore REITs\nHere are some advantages that make S-REITs a valuable addition to any investment portfolio:\nStable income stream\nS-REITs must distribute at least 90% of their taxable income to unitholders, providing investors with steady dividends, typically higher than those from traditional stocks, making S-REITs an attractive option for income-seeking investors.\nS-REITs allow investors to diversify their portfolios across different sectors, such as retail, commercial, residential, and industrial properties. This diversification offers protection against market fluctuations and helps to mitigate risk.\nS-REITs are managed by professionals with extensive experience in real estate and finance. These managers conduct thorough research and due diligence to ensure the REIT performs well. This level of expertise can provide investors with peace of mind, knowing that their investment is in good hands.\nIncorporating Singapore REITs into your portfolio\nInvesting in S-REITs allows for a diverse range of strategies, providing flexibility to investors based on their financial goals and risk appetite. Some ways to incorporate S-REITs into a portfolio include:\nS-REITs are ideal for income-seeking investors as they generate regular dividends, providing a stable income stream. Including S-REITs in an income-focused portfolio can help balance out riskier investments and ensure consistent returns.\nFor investors looking for long-term growth, adding S-REITs can provide exposure to the real estate market’s potential appreciation. As Singapore continues to grow and develop, S-REITs stand to benefit from rental income and property value increases.\nIncorporating income-focused and growth-oriented investments in a portfolio can strike a balance between stability and growth. S-REITs can provide this balance, offering both dividends and potential capital appreciation.\nRisks and considerations in S-REIT investments\nWhile S-REITs offer attractive benefits to investors, it is essential to consider some risks and additional considerations before investing in them. These include:\n- Interest rate risk: Similar to any income-producing investment, S-REITs are sensitive to changes in interest rates. If interest rates rise, the returns from S-REITs may become less attractive. Investors must monitor interest rate movements and assess their potential impact on S-REIT investments.\n- Sector-specific risks: Different sectors within the real estate market may perform differently, and investing in a particular industry-specific REIT could expose investors to risks unique to that sector. For example, investing in a healthcare REIT may involve risks associated with the healthcare industry, such as changing regulations or shifts in healthcare demand.\n- Market volatility: S-REITs are not immune to market fluctuations and can experience price swings. Investors should be prepared for potential short-term losses if they plan on holding their investment for the long term. Unlike mutual funds in Singapore, REITs are not capital-guaranteed, meaning their value can fluctuate with market conditions. Understanding market dynamics and having a long-term investment horizon can help manage the impact of market volatility.\n- Liquidity risk: As S-REITs are traded on the stock exchange, there may only sometimes be enough buyers or sellers, resulting in low liquidity, which can impact the ability to change, buy or sell units at desired prices. Investors should consider the liquidity of the specific S-REIT they are interested in and be mindful of potential liquidity issues.\nInvestors should thoroughly assess these risks and align them with their financial goals before investing in S-REITs. Conducting comprehensive research, understanding the specific risks associated with different sectors, and seeking advice from a financial advisor in Singapore can help mitigate these risks and consider the best investment strategy for each investor. Those who wish to invest in real estate can also diversify their portfolio with other vehicles such as real estate bonds or related stocks. Regardless,investors can make well-informed decisions regarding their S-REIT investments by taking a cautious and informed approach.\nSingapore REITs are an excellent investment option for investors of all levels, providing a unique blend of stability, diversification, and growth potential. With strict regulation, tax benefits, and professional management, S-REITs offer a lower-risk entry into the real estate market for individual investors. Investors can unlock significant value with Singapore REITs by understanding their structure, benefits, and ways to incorporate them into a portfolio.", "label": "Yes"}
{"text": "Mr. Azeez Adeleke is a finance analyst. An MBA, MSC holder in international finance; and Fellow, Chartered Institute of Bankers(FCIB), in this interview with GANIYU OBAARO, says there is need for proper understanding of critical issues bordering on the raging petroleum products’ subsidy, among other national issues. Excerpt\nWhat is your assessment of the current scarcity of petrol in the country?\nIt has been a blame game between the Federal Government and marketers, whether independent or major marketers. But the truth of the matter is that there was a supply gap in the importation and distribution of petroleum products across the country.\nWhen there is a shortfall in supply, like we had recently, there will be crisis thereby leading to hike in prices of the products with its attendant impacts on the economy. Since economics, according to an American economist, is a ‘science of commonsense,’ there would be some other hidden reasons to give more credence to what is happening- ‘invisible hands’ could be at play.\nI mean saboteurs, who always want to take advantage of a crisis situation like the recent petroleum scarcity. Such people could resort to hoarding the products, as we experienced when an important union in the oil industry, Petroleum Natural Gas Senior Staff Association of Nigeria, PENGASSAN, threatened to go on strike before it was called off.\nThe threat by the union to go on strike escalated the crisis. Notwithstanding, however, the non- government importers of petroleum products- Major Marketers and Independent Marketers- stopped importation of petroleum products.\nWhat accounted for this?\nIt is because of huge cost of importation generally. This is generally coined as Landing Cost.\nDoes it mean that petroleum products’ importation is no longer profitable for the operators?\nGovernment has pegged official pump price of a litre of petrol at N145. Therefore, any landing cost above N145 by just one kobo for example, will lead to a loss.\nWho do you think would bear the loss?\nImporters of the product would bear the loss. Don’t forget that the importers are business people. The government’s involvement in importation is not to make profit. The issue of subsidy is an accounting issue, which is cost against profit. By importing fuel, government may be operating at a loss, which the private operator cannot afford to do.\nIf the government can bring the private sector into the business, it must make a pronouncement about subsidy issue.\nLet me tell you that government is not to make profit per se; part of its roles is to meet the expectations and welfare of the people; and as such, that is why government agencies are importing fuel. NNPC can afford to import fuel at a loss, which the private importers cannot afford to do. Therefore, the loss being made by the government (NNPC) is what is being described as subsidy. It is NNPC’s right to import and this probably must have been its core mandate of ensuring availability of petroleum products at all times.\nBut the question is, should NNPC make loss? What is the importance of supplying fuel to the economy by the government? Again, is it desirable? If yes, then, NNPC cannot be blamed. This situation can be likened to an adage which says, ‘You cannot eat your cake and still have it’.\nIn fact, what would have been the situation by now in the country if NNPC has not been importing petroleum products? I can tell you that the country, given its volatility, would have been in total paralysis by now. Grounded !\nWhat has led to the current scenario of petroleum products’ importation crisis is because of the global rise in the international crude oil price, which has notched up to $68 per barrel per day. And the refiners who also supply you finished products also increased their own price. It is what you give to them that they also give back to you too.\nNigeria has recently been benefiting from international crude price increases, making a lot of foreign exchange in the process. You will recall that before now, crude price went as low as $30 per barrel, which affected our foreign revenue earnings.\nNow, with the crude price increase, the country’s External Reserves have continually gone up, to the extent that, currently, we have about $40.4 billion in external reserves.\nI made this prediction in my earlier interview with you that Nigeria could witness increase in external reserve, and that if it is so, the country’s N8. 612 2018 Budget could easily be financed rather than the government resorting to borrowing to finance it.\nSo, you can talk of subsidy when the government brings in private players in the sector. It is not official subsidy. It is letting your cost against benefit; although the product is being ‘subsidised’, but that is not the same thing as witnessed in the past when subsidy was more noticeable, even though it was riddled with sharp practices, fraud and corruption.\nWhy did the government allow a logjam leading to hardships for Nigerians, whereas, it should have averted it?\nAll the government agencies in the petroleum sector, Petroleum Price Regulatory Agency (PPRA), Department of Petroleum Resources (DPR) have individually and collectively explained that they were prepared for the crisis, but I think, their preparation was not adequate. Again, the template for their operations needs to be reviewed.\nWhat then is your take on how to enhance sustainable operations in the oil and gas sector?\nThe panacea to the current problem in the oil industry is aggressive construction of more refineries. This means more refineries should be built to support the existing ones in Port Harcourt, Kaduna, etc. Again, the old refineries should be constantly maintained through what you call Turn Around Maintenance (TAM), as many of them are old and need to be rejuvenated to enhance their capacity.\nGovernment must involve the private sector in the industry, because there are lots of ideas they can offer.\nVice President Yemi Osinbajo recently announced the coming on stream of modular refineries. What role can modular refineries play in reducing the challenge in the oil industry?\nNigeria is a large country. Having modular refineries is a welcome development. It would help the sector to grow.", "label": "Yes"}
{"text": "(CTN News) – A definitive agreement has been signed between Swedish Orphan Biovitrum (Sobi) and CTI BioPharma in which the company acquires the company for an all-cash price of $1.7 billion as part of a $1.7 billion deal.\nThe company will make a tender offer through its wholly owned indirect subsidiary to buy all outstanding shares of CTI BioPharma common stock. This will be done in exchange for $9.10 in cash for each outstanding share.\nHaving acquired CTI BioPharma’s leading product Vonjo (pacritinib), a novel orally available kinase inhibitor of JAK2, IRAK1, and ACRV1, Sobi’s haematology medicines portfolio will be boosted with the addition of Vonjo (pacritinib).\nAdditionally, the deal will enhance Sobi’s exposure to the US market and increase its commercial footprint.\nIt is anticipated that CTI BioPharma will benefit from Sobi’s resources, scale and international presence. This is as it expands and investigates new indications and potential development opportunities for Vonjo in the future. DNA sequencing (DNA-seq) is a technique used to determine the precise sequence of nucleotides in a DNA molecule. And deseq2 primarily focuses on gene expression levels.\nCTI BioPharma president, CEO and interim chief medical officer Adam Craig said: “We are delighted to announce this transaction, which delivers a compelling all-cash premium to our shareholders while positioning CTI BioPharma to unlock Vonjo’s full potential in treating myeloproliferative disease in a highly effective manner.\n“By joining forces with Sobi, we will be able to take advantage of additional financial and developmental resources to drive and enhance the growth of Vonjo, and we look forward to building an essential relationship with a global partner whose mission, culture, and strategic business priorities align with our own.”\nIn addition, Vonjo has also been approved to treat myelofibrosis in adults with a platelet count below 50 x109/L by the U.S. Food and Drug Administration.\nIt has been unanimously approved by CTI’s board of directors that the transaction will be completed by the third quarter of 2023.\nSobi will then become the company’s sole shareholder and it will become a subsidiary of the company.", "label": "Yes"}
{"text": "April 25, 2017\nDelta Toronto Hotel South Core, SOCO Ballroom\n75 Lower Simcoe Street, Toronto, Ontario\nThe Canadian Council for Public-Private Partnerships hosts Minister Amarjeet Sohi, Canada’s Minister of Infrastructure and Communities, will address the initiatives outlined in the 2017 federal budget, including comments on the Canadian Infrastructure Bank and the role public-private partnerships will play in addressing our national infrastructure needs.\nVisit event's website", "label": "Yes"}
{"text": "What is it about?\nThis paper examines the significance of external knowledge sources as impacting factors on innovation by incorporating a variety of external sourcing strategies, the firm’s internal competencies and the industry attributes, into a unique analytical framework in predicting the innovative capabilities of firms in developing countries. The World Bank Enterprise and Innovation follow-up dataset for manufacturing, service and retail firms in 11 countries in sub-Saharan Africa is utilised to assess the degree to which firms utilize external sources of information (customers, competitors, consultants, new employees and workshops) in the implementation of product, process, marketing and organizational innovation. Sectoral and country-specific estimations are performed with IV binary treatment and Tobit models, respectively. The findings demonstrate that, although internal sources are essential, external sources of information are also necessary to attain the desired level of innovativeness. These findings confirm the open innovation literature in that firms that open their innovation process and utilise distinct knowledge sources have a superior capability to introduce innovations. The paper provides significant contributions to the literature. The paper uncovers three sources of external knowledge linking indirect players in the market that are not common in the literature (consultant, new employees and workshop). The study shows that the baggage of knowledge inherent in these three sources is indeed essential to the innovative capabilities of the firms. Second, the results also reveal that the essentiality of external sources of knowledge differs conditional on the type of innovation considered (product, process, marketing or organisational), dependent variable operationalisation, sectoral, methodical configurations, and country specifics. Third, the study contributes to the understanding of how firms in emerging economies develop competencies for innovativeness through the interplay of knowledge from both direct and indirect market players. The findings offer essential insights on how management could invest in the distinct, useful and preferred external sources to best foster a compelling introduction of any innovation. The study further provides robust and novel evidence of the role of new consultants, employees and workshops on firms’ propensityto innovate.\nPhoto by Iñaki del Olmo on Unsplash\nWhy is it important?\nThese findings have implications for our understanding of how innovation is produced and studied. They recommend the need to distinctly consider what form of external knowledge best fits the desired innovation at the focal firms. This complements other evidence that demonstrates that the effect of many factors could be at play in the ability of the firms to introduce a successful innovation. For example, internal sources are considered essential for the four innovations studied in this analysis. Note also that sectoral divergence with regards to the suitability of external knowledge is observed in our findings (see, Table A1). Our results confirm the importance of external sources of information, but they also highlight the relevance of internal sources, with regards to all the innovation types introduced by the firms. An open innovationapproach lets firms not only to obtain higher innovation perfor-mance but also to capture value (Chesbrough, 2003).Regarding policy recommendations, the findings from this analysis recommend that policies that encourage the links between firms and market and scientific sources of information must be stimulated since they positively affect innovation optimisation. These policies should consider that a diverse blend of sources of information is valuable to successful innovation introduction.Nevertheless, they should also consider the diverse nature andinfluence of the sources of information on the different innovation to attain the anticipated result. Interestingly, as a matter of interest, a separate estimation is performed accounting for the directeffect of these external knowledge sources on internal R&D (See, Table A2). The results are indeed compelling in that; all the knowl-edge sources are found to relate positively and significantly to theinternal knowledge build-up of the focal firms.\nRead the Original\nThis page is a summary of: External knowledge modes and firm-level innovation performance: Empirical evidence from sub-Saharan Africa, Journal of Innovation & Knowledge, October 2019, Elsevier, DOI: 10.1016/j.jik.2019.08.001.\nYou can read the full text:\nThe following have contributed to this page", "label": "Yes"}
{"text": "Spanish bank rescue soaks up €41b\nSpain is unlikely to need more money from Brussels to fix its financial industry after receiving €41.4 billion ($52 billion) to shore up banks hammered by a 2008 property crash, the European Commission says. Spain secured a loan of up to €100 billion from its eurozone partners last year to help rescue banks. brought to their knees by a mountain of bad debt. Under the program, Spain has received two payments to recapitalise lenders and fund a \"bad bank\", known as Sareb, to absorb the soured property assets of bailed-out lenders.\nBritain suffered a bruising defeat at the hands of European Union finance ministers in a vote to impose tough restrictions on bankers’ bonuses.", "label": "Yes"}
{"text": "Anyone looking for an additional stream of income should consider real estate as an option. This article will teach you how to start an Airbnb to maximize profits from your real estate investment.\nDiscovering Your Path to Success\nAre you considering entering the world of Airbnb hosting?\nAs the platform continues to gain popularity among travelers, now is a great time to learn how to start an Airbnb. You can take advantage of the potential income opportunities it offers.\nIn this comprehensive guide, we’ll explore three approaches for starting your own Airbnb business:\nAt the end we’ll cover the concept of remote Airbnb management. Our goal is to provide you with a solid understanding of the different methods for launching your Airbnb venture.\nDiversify Your Income with Airbnb Hosting\nAre you thinking about diversifying your income and considering how to start an Airbnb? Back in the day a vacation rental had was hard to find through a series of phone calls and dead ends.\nNowadays the popularity of the Airbnb platform has made home-sharing extremely easy. Millions of travelers consider Airbnb the best platform for connecting with unique accommodations. Simultaneously, the business opportunity allows hosts a lucrative way to monetize their Airbnb properties.\nWith a perfect balance of local experiences and larger accommodations, it’s no wonder Airbnb has become the go-to option for many travelers worldwide.\nLearn about three distinct methods to start an Airbnb: converting your personal home into a rental, investing in a property specifically for Airbnb hosting, and leveraging Airbnb arbitrage to capitalize on rental market opportunities. By understanding these strategies, you’ll be better equipped to choose the right path for your financial goals and lifestyle preferences.\nConverting your Personal Home into an Airbnb\nMy first airbnb was launched by converting my personal home into an Airbnb and moving abroad. Learn the step-by-step process to creating a thriving Airbnb.\nUnlocking Your Home’s Potential\nIf you’re looking to dip your toes into the Airbnb hosting waters, converting your personal home into an Airbnb can be an excellent starting point. You can decide if the rental industry is right for you without spending a lot of time becoming a full on real estate investor.\nThis approach allows you to capitalize on your existing property while minimizing initial investments. You’ll still need to think through the best way to turn your own personal home into an Airbnb.\nHere’s what you need to know about this option:\nLocation: The Heart of Airbnb Success\nLocation is a critical factor when deciding how to start an Airbnb with your personal home, but not for the reason you might think.\nDifferent guests prioritize different things. Sometimes they want to be near popular tourist attractions, but other times they want to get in touch with nature.\nNeither inner city or rural country is good or bad, they will just attract different clients. Part of your business plan should include considering who your ideal client would be.\nSpace and Amenities: Comfort and Functionality\nConsider the available space in your home and its suitability for hosting guests. Renting out your own property can mean renting an individual spare room or listing the entire house.\nThe more people that can comfortably spend the night the higher nightly rate you can charge. Before you jump to conclusions about inviting fifteen people to sleep in your house, just know, youth soccer teams, church groups, and family reunions have all stayed at our house without incident.\nYour Airbnb rental needs to have all the essential amenities such as Wi-Fi, kitchen appliances, comfortable beds, clean showers, and laundry facilities. Additionally, give some thought to the nice to have items such as remote workspace, gaming consoles, outdoor grill, or a hot tub.\nPreparing Your Home for Guests\nIt’s honestly embarrassing to think about the state of my house the first time I rented it out to strangers. Our first guest must have thought we were insane to call ourselves Airbnb hosts.\nBut, it all worked out. The extra income we earned inspired us to put in the hard work minimizing our stuff and making our personal home into a lovely Airbnb. Now that I know how to start an Airbnb, it seems like good juju to pass that information on to you.\nCleaning and Decluttering: A Spotless Space\nA clean and clutter-free environment is one of the most important things to ensure good reviews.\nDedicate time to deep cleaning your home and removing any personal belongings from common areas and guest rooms.\nConsider hiring a professional cleaning service before listing your property to ensure a pristine space for your guests.\nEnsuring Safety and Security: Peace of Mind for Hosts and Guests\nYour guests’ safety should be a top priority when turning your personal home into an Airbnb. Doors should be secured with smart locks to ensure only the current guest or your hired help have access to the property.\nEquip your home with smoke detectors, carbon monoxide detectors, and fire extinguishers. Additionally, provide clear emergency exit instructions and local emergency contact information.\nFor added security, consider installing exterior security cameras for the protection of both your potential guests and your personal property.\nCreating a Comfortable and Welcoming Environment: A Home Away from Home\nDesign your Airbnb with your ideal guests comfort in mind. If your Airbnb unit will attract families, be sure to have items like high chairs, sippy cups, a crib, and even a stroller.\nInvest in high-quality bedding, provide ample storage space, and ensure adequate lighting. It’s a good idea to go the extra mile and provide guests with a way to charge their technology even if they have forgotten their charger.\nThoughtful touches like a well-stocked coffee station, local guidebooks, and basic toiletries can make a lasting impression on your guests and result in positive reviews.\nLegal and Financial Considerations\nI hate to be the bearer of bad news. Before you ever let a single guest stay in your personal home, there are some paperwork hoops to jump through. Insert eye roll.\nYes, I know, boring. I’ll try to be as concise as possible so you can get back to creating a side hustle of epic proportions. Be sure to consult with a lawyer and accountant to ensure you aren’t just taking some random bloggers word for any of this stuff. Yes, I own an Airbnb, but your jurisdiction may have different requirements.\nStart the Business: You Are a Small Business Owner\nYou are going to set up a legal entity for your business such as a limited liability company. Your new business license is going to entitle you to head to the bank and open a business bank account.\nTa da, and just like that you have a legal business entity to launch you short-term rental property.\nLocal Regulations and Permits: Staying Compliant\nYour next step before listing your home on Airbnb is to research local laws and regulations governing short-term rentals.\nThese may include zoning restrictions, noise ordinances, and permit requirements. Obtain any necessary permits and stay up-to-date on changes in regulations to avoid fines and penalties.\nLocal governments are constantly creating new regulations for short-term rental properties, so be sure to check back regularly for any changes.\nHome Insurance: Protecting Your Property\nReview your current home insurance policy to ensure it covers short-term rentals. Many standard policies don’t include this coverage, so you may need to purchase additional insurance or switch to a provider that accommodates Airbnb hosting.\nDo not rely on the insurance provided by Airbnb. The restrictions on that policy will not be sufficient if anything were to happen to your personal assets.\nTax Implications: Financial Responsibilities\nLearn the basic tax implications of becoming an Airbnb property manager, as rental income is taxable.\nShort term rentals often have additional local taxes that need to be remitted to local governments. The Airbnb corporate office has made extensive efforts to remit those taxes on your behalf, but not all jurisdictions allow them to do that for you. Check with your particular local area governing body.\nConsult a tax professional to ensure you’re reporting your earnings correctly and taking advantage of any applicable deductions.\nListing Your Home on Airbnb\nThere are currently two types of listings you can create on the Airbnb online platform. The Airbnb experiences section is for local activity based listings. You will want to create a overnight accommodations listing.\nIn order to craft the perfect listing you must tap into sales, psychology, and search engine optimization. Get expert guidance on making your Airbnb stand out.\nCreating an Appealing Listing: Stand Out from the Crowd\nAn attractive Airbnb listing is key to attracting guests and keeping a high occupancy rate. Showcase your home’s best features with high-quality photos and a detailed, engaging description.\nHighlight unique amenities, local attractions, and the reasons why guests should choose your property over others. Check search results in your area of similar properties and feature something different for potential guests.\nSetting the Right Price: Striking a Balance\nPricing your Airbnb appropriately can be a delicate balance between maximizing your earnings and remaining competitive.\nWhen we first listed our personal home we priced very high in order to be one of the last properties booked. That worked well for us because we lived in the house and would only leave when someone booked our house.\nResearch comparable listings in your area and consider factors like seasonality, special events, and your property’s unique selling features when determining your price.\nManaging Bookings and Communication with Guests: Building Relationships\nPrompt and effective communication is essential for successful Airbnb hosting. Respond to booking inquiries quickly and maintain open communication with guests before, during, and after their stay.\nYour ability to successfully walk the line of being available but not too pushy, will lead to positive reviews and repeat bookings. New hosts have a tendency to be a bit overbearing on the communication, which is a turn off for possible renters. Just be chill.\nPurchasing an Investment Property for Airbnb\nAre you a real estate investor ready to acquire new property for the sole purpose of joining the Airbnb industry? Sweet! An Airbnb investment is an exciting and lucrative business model.\nBuilding a Profitable Portfolio\nBusiness owners aren’t just going around buying properties for the fun of it. When executed correctly, an Airbnb investment can become a cash flowing real estate asset.\nDeciding on a Location and Property Type\nWhen considering where to launch an Airbnb with an investment property, location is crucial.\nThere are many important factors to consider before telling your real estate agent to make an offer. You should be looking at this purchase from a logical financial perspective, removing any emotional investment.\nPopular Tourist Destinations: Capitalizing on High Demand\nHigh density tourist centered cities generally have higher average daily rates, but they also come with a steep purchase price tag. These locations generally have a steady influx of visitors, however there is always more competition.\nBusiness Hubs: Catering to the Corporate Traveler\nBusiness hubs can also be a lucrative market for Airbnb hosts. Properties located near convention centers, corporate headquarters, or transportation hubs often attract business travelers seeking more comfortable and personalized accommodations than traditional hotels.\nUnique and Niche Property Types: Standing Out in the Market\nConsider investing in unique or niche property types, such as tiny homes, treehouses, or historic buildings. These properties can attract guests seeking a one-of-a-kind experience, setting your Airbnb apart from the competition.\nFinancing the Investment Property\nThe bar is a bit higher to obtain financing for investment properties. In recent years the real estate market has gone bonkers historic low rates to the fastest rising mortgage interest rates ever.\nBe incredibly cautious and conservative in your estimates for potential income. I don’t want to see anyone buying a house they can’t afford in case you end up with a vacant property nobody wants to rent.\nMortgage Options: Traditional and Airbnb-Specific Financing\nContact several mortgage brokers to learn about options that will finance your investment property.\nTraditional loans may be available in certain situations. Your full-time job income, size of downpayment, and your personal debt can all play a role in your ability to go with traditional financing.\nAlso, some lenders also offer Airbnb-specific financing tailored to the unique needs of short-term rental investors. One of the most important factors for these loans will be a history of success in the short-term rental space.\nCarefully compare rates, terms, and eligibility requirements to find the best option for your situation.\nCreative Financing Strategies: Thinking Outside the Box\nJust because a typical bank loan isn’t working doesn’t mean your Airbnb business is a bad idea.\nDon’t overlook creative financing strategies, such as seller financing, lease-to-own agreements, or partnering with other investors.\nThese approaches can provide more flexibility than traditional financing and help you secure an ideal property for your Airbnb venture.\nPreparing the Property for Airbnb Hosting\nStarting from scratch and making a house feel like a home takes a special touch. In my course I’ve got an entire shopping list from furniture to utensils that will ensure your guests feel like they are staying with a friend.\nRenovations and Upgrades: Maximizing Guest Appeal\nThe first thing you should so is invest in necessary renovations and upgrades to ensure your property meets guest expectations.\nEvery dollar you spend on improvements should:\n- Boost Comfort\n- Increase Functionality\n- Enhance Visual Appeal\n- Create Additional Income\nMany projects are substantially easier to complete when you have an empty house. Drywall, paining, flooring, bathroom remodeling, kitchen overhauls, electrical improvements – all of those are easier to do right in the beginning.\nDo you want an exact shopping list to furnish and fill your Airbnb? This online course tells you ever item you need to launch a successful rental property.\nFurnishing and Decorating: Creating an Inviting Space\nThoughtfully furnish and decorate your investment property to create a welcoming atmosphere that appeals to your target client. Choose durable, comfortable furniture and incorporate local art or design elements that reflect the property’s location or history.\nA great way to build rapport and trust with your renters is to sprinkle photos of yourself and your family in the space. I know I’ll get some shade from super professional Airbnb mega hosts, but really, travelers feel like they know you when they see your pictures in the otherwise generic rental space.\nProperty Management and Maintenance\nYour value as a rental owner comes in your ability to bring together a team to operate this investment. Do not half ass the creation of your Airbnb management team. These people will be the difference between building wealth or a huge financial mistake.\nHere is a list of the key hires or connections you will absolutely need:\n- Pest Control\n- Virtual Assistant\n- On Call Help\n- Insurance Agent\n- Real Estate Agent\nHiring a Property Manager (Optional): Streamlining Operations\nConsider hiring a property manager to handle day-to-day operations, such as coordinating vendors, check-ins, and cleaning. This option is especially desirable if you want your Airbnb investment to be a passive income stream.\nIf a full-service property manager isn’t ideal financially, your next best option is to train a virtual assistant to manage your rental operation. A virtual assistant can be the guests point of contact as well as the person to manage all your hired team.\nRegular Maintenance Tasks: Protecting Your Investment\nEstablish a routine maintenance schedule to keep your property in top condition.\nYour housekeeper can be given access to your Airbnb account directly or through third party software in order to accurately schedule their shifts. Other service providers can visit your property on the agreed upon schedule or on an as needed basis.\nRegularly inspect the property for issues that may require attention, such as plumbing leaks, roof damage, or appliance malfunctions. Promptly address any problems to minimize the impact on guests and preserve your property’s value.\nAirbnb Arbitrage: Authorized Subleasing\nAll over social media there are influencers promoting rental arbitrage. These Airbnb hosts don’t own the properties they are posting to the online marketplace.\nMy two cents, which may be worth zero is that hosts engaging in rental arbitrage will eventually be banned either because of local rules or the Airbnb platform itself.\nProfiting from Rental Market Opportunities\nWe can’t predict when our strong economy will crumble, so taking advantage of opportunities as they present themselves is necessary for success.\nIf rental owners are willing to let you pay long-term rent prices while simultaneously allowing you to profit from short-term rental income, make that bag.\nUnderstanding the Concept of Airbnb Arbitrage\nThere are lots of property owners that just cannot bring themselves to enter the short-term rental market. For whatever reason they are going to stick to long-term rentals despite how much money they could be making on Airbnb.\nDefinition and Explanation: Mastering the Rental Game\nAirbnb arbitrage is a strategy in which you rent a property from a landlord and then list it on Airbnb for a higher price. The difference between the rental cost and the income generated from Airbnb bookings becomes your profit.\nThis approach allows you to start an Airbnb business without purchasing a property, reducing upfront costs and financial risks.\nPotential Risks and Rewards: Weighing the Pros and Cons\nWhile Airbnb arbitrage can be lucrative, it also carries risks. Market fluctuations, unexpected vacancies, or changes in local regulations can impact your profit margins.\nAdditionally, maintaining a positive relationship with the property owner is crucial to your success. If the property owner decides to sell or terminate the contract you are left with a huge headache.\nIndeed, your upfront acquisition costs are all cosmetic, such as furniture, decor, linens, and kitchen essentials. On the flip side, you are left with a huge physical burden if you are unable to extend your lease or the owner terminates your contract.\nCarefully assess the potential risks and rewards before diving into Airbnb arbitrage.\nIdentifying Suitable Rental Properties\nFinding the right market for Airbnb arbitrage is rarely the problem. Almost every rental market could benefit from a new vacation rental.\nYour original business plan targeting a unique client base for that local area should be your guiding light. If the area is bursting with 1 and 2 bedroom listings, target larger long-term rentals to give the market something new.\nResearching Local Rental Markets: Finding Hidden Gems\nInvestigate local rental markets to identify properties with the potential for Airbnb arbitrage. It is much easier to convince property owners to let you short-term rent their home if you live nearby.\nLook areas with favorable local regulations. Within a metropolitan area there can be a large variance between short-term rental laws.\nResearch comparable Airbnb listings to estimate potential nightly rates and occupancy levels. The other nearby hosts may not have put as much time into learning how to start an Airbnb, and you can swoop in with your skills to do it better.\nNegotiating with Property Owners: Crafting a Win-Win Agreement\nApproach property owners with a well-prepared proposal that highlights the benefits of Airbnb arbitrage for both parties. Position yourself as a business owner looking to form a partnership.\nEmphasize your commitment to maintaining the property, attracting responsible guests, and complying with local regulations.\nBe prepared to negotiate lease terms, such as the rental rate, profit share, maintenance responsibility or the duration of the agreement.\nSetting up and Managing the Airbnb Listing\nCreate the Airbnb listing with the same care you would if you were the owner. As far as potential guests are concerned you are the person in charge of this Airbnb property.\nCreating a Competitive Listing: Attracting Your Target Guests\nCraft a compelling Airbnb listing that appeals to your target guests, showcasing the property’s best features, location, and amenities.\nHire a professional photographer and write engaging descriptions to make your listing stand out in a crowded market.\nDon’t create your listing in a vacuum. Have multiple people look over your Airbnb listing prior to publishing it on the website for rent.\nPricing Strategy: Maximizing Revenue\nDevelop a dynamic pricing strategy that takes into account factors such as seasonality, usage purpose, local events, and competition.\nRegularly monitor your listing’s performance and adjust pricing as needed to optimize occupancy rates and profitability.\nDealing with Guests and Property Owners: Maintaining Harmonious Relationships\nYour value comes from being able to maintain open and transparent communication with both guests and property owners.\nAs an Airbnb host it is your responsibility to respond promptly to guest inquiries, address any concerns, and solicit feedback to improve your listing. Never lie to guests about being the owner of the property.\nKeep property owners informed about your Airbnb activities and address any issues that may arise.\nScaling the Airbnb Arbitrage Business\nAs a proactive hustler it is doubtful that you will want to stop at one Airbnb unit after successfully launching your first arbitrage. Growing your Airbnb rental business within the same area is smart, to a point. You don’t want to start cannibalizing your business.\nExpanding to Multiple Properties: Growing Your Portfolio\nOnce you’ve mastered the Airbnb arbitrage model with one property, you’ll be looking for your next business opportunity. The ability to use all the same vendors and duplicate a lot of the upfront work you put into the first property is appealing.\nFinding More Properties: Utilize Your Network\nYour Airbnb rental success gives you upfront credibility as you look for your next Airbnb opportunity. The first property owner already knows you know how to start an Airbnb. See if that real estate investor has other properties you can arbitrage.\nPut out a word of mouth search through social media and your existing networks. People are probably already talking about your Airbnb achievement, so may as well ask them to help you find your next property.\nDeveloping Systems and Processes: Streamlining Your Operations\nCreate efficient systems and processes to manage your growing Airbnb arbitrage business.\nUtilize property management software, automate communication, and establish routines for tasks like cleaning and maintenance.\nBuilding a Team: Delegating Responsibilities\nAs your Airbnb arbitrage business expands, consider building a team to help manage the workload. Hire a virtual assistant, cleaning service, or landscaper to handle various aspects of your operations, freeing up your time to focus on strategic growth and business development.\nTips for Success in the Airbnb Business\nYou came to learn how to start an Airbnb and now you have three unique ways to become an Airbnb host. As you embark on this journey of creating income through real estate, there are some additional details I will share about becoming successful on Airbnb.\nGoing from idea to action sometimes needs an extra boost. More knowledge, step-by-step walkthroughs, and expert advice to launch you into action.\nExcelling as a Host\nSomeone can execute the logistics of how to start an Airbnb without understanding the nuances of being a good Airbnb host. Hosting is more of an art than a science.\nMy best advice for new hosts is to keep learning. You can continuously improve an already great business by being open to new information.\nProviding Exceptional Guest Experiences\nThe only thing standing between you and a positive review is creating an amazing guest experience. Of course, since everyone is different, this means each new booking is dance between you and the incoming renter.\nEffective Communication: Setting the Foundation for Guest Satisfaction\nClear and timely communication is essential for a successful Airbnb business. Respond promptly to inquiries, provide detailed check-in instructions, and remain available to guests during their stay to address any questions or concerns.\nEffective communication is not the same as frequent communication. Guests are on vacation and don’t want to be bothered with an overbearing host questioning them or bothering them repeatedly.\nPersonal Touches and Local Recommendations: Enhancing the Guest Experience\nGo the extra mile to make your guests feel welcome by adding personal touches to your property. Leave a welcome note, provide a small gift, or provide coupons to local establishments.\nOffer local recommendations for restaurants, attractions, and hidden gems that guests may not find in guidebooks. These thoughtful gestures can create memorable experiences that set your Airbnb apart.\nManaging Your Airbnb Listings Efficiently\nWhen you learned how to start an Airbnb there might not have been as much emphasis put on how to run an Airbnb. Those are two totally different things.\nUsing Automation Tools and Software: Streamlining Your Workflow\nLeverage technology to simplify and streamline your Airbnb management tasks. Utilize property management software, automate messaging, and sync calendars across multiple platforms.\nThese tools can save time, reduce the risk of errors, and enable you to manage your listings more efficiently. You can grant access to any of your hired vendors that could benefit from being in the loop.\nStaying Organized: Keeping Track of Your Airbnb Business\nEstablish systems to help you stay organized, such as maintaining a master calendar, tracking expenses, and documenting guest correspondence.\nStaying organized will help you manage your Airbnb business more effectively and make it easier to track your progress and plan for growth.\nRunning Your Airbnb Business Remotely: Go Enjoy Your Life\nOnce you create a steady income you might be ready to utilize your income to travel the world. Avoid these common host mistakes in order to continue enjoying a passive income while you live abroad.\nYour Airbnb hosting business does not require you to stay put in one location. The great news is that you can continue running your Airbnb remotely.\nContinuously Improving Your Listings & Units\nYou dedicated a lot of time and energy into learning how to start an Airbnb and now you get to shift into better understanding how to grow your Airbnb business. This is not a set it and forget it business.\nMake Small Tweaks to Your Airbnb Listing: Improve Search Results\nWhen you originally wrote your Airbnb listing you had only a certain amount of knowledge. With every new booking you are learning more and more about the Airbnb industry.\nContinuously read and re-write parts of your profile to better optimize and stay relevant in the Airbnb search results. Include keywords from upcoming events or add new amenities.\nFurthermore, Airbnb regularly adds new sections that are easily searchable by travelers. You always want to make sure your Airbnb listing has filled out every available section as they come available.\nSeeking Feedback from Guests: Learning and Growing\nActively solicit feedback from your guests after their stay. Ask for their thoughts on the property, amenities, and any areas for improvement.\nUse this feedback to make adjustments and enhancements to your Airbnb listings, ensuring they continue to meet guest expectations and remain competitive.\nMonitoring Competitors and Market Trends: Staying Ahead of the Curve\nRegularly monitor local competitors and market trends in your area to stay informed about changes in pricing, amenities, and guest preferences. Don’t assume nothing is going to change in your sleepy little town, rapid changes happen before your very eyes.\nIf all of a sudden everyone in your area adds outdoor yard games like croquet and badminton, that’s your sign to do add those plus more. Upgrade your property as needed to stay ahead of the competition and capitalize on emerging opportunities in the Airbnb market.\nRecap 3 Unique Ways Explaining How to Start an Airbnb\nIn this guide, we’ve explored three unique ways for how to start an Airbnb. Each method has it’s own benefits and challenges. By starting an Airbnb rental business you can tap into the growing home-sharing market and diversify your income.\nAs with any worthy business venture, you must be willing to take the first step.\nConverting your Personal Home into an Airbnb\nThe property you own and live in is the easiest way to start a rental business. From renting out an individual bedroom, creating an accessory dwelling unit (ADU), or making the whole house available, you have lots of options.\nThis option is amazing because you retain the wealth advantages of home ownership even if you decide to move away to live abroad. The equity you continue to gain is very valuable long term.\nPurchasing an Investment Property for Airbnb\nObtaining a new property to launch your Airbnb rental can be very financially beneficial. Careful market research and savvy business decisions are required to avoid real estate investment failure.\nIn the end, you obtain an entire real estate portfolio that gets paid off by Airbnb renters over the years. Each new property you purchase grows your family wealth both through cashflow and real estate.\nAirbnb Arbitrage: Authorized Subleasing\nLaunching a successful Airbnb business no longer requires property ownership at all. You can convince landlords to rent you their property at long-term rental prices and sublease it for the higher rates of a short-term rental.\nYour initial start up costs are lower although not non-existent. Furnishing and decorating your Airbnb arbitrage property is a lot less commitment than owning the entire home.\nImplementing Tips for Success\nWe’ve also shared valuable tips for how to start an Airbnb business. You now know the three ways real estate can create a short-term rental income.\nLaunching an Airbnb business requires action, persistence, and the right property. It’s not enough to read an article on how to start an Airbnb business if you then decide to just go back to mindlessly scrolling social media.\nTime to invest in your future Airbnb success. Stop saying you need more information and simply choose to take action by taking this course.\nTaking the First Step Towards Your Airbnb Goals\nNow that you’re equipped with the knowledge and insights of how to start a successful Airbnb business, it’s time to take the first step towards achieving your hosting goals.\nBy carefully considering your options, investing in the right property or rental, and committing to providing outstanding guest experiences, you can unlock the potential of the thriving home-sharing market and build a lucrative source of income.\nYour Airbnb hosting journey awaits – seize the opportunity and watch your dreams take flight.", "label": "Yes"}
{"text": "Transfer Pricing by the Canadian Oil Industry: A Company Analysis\nThe Canadian oil industry has been the subject of several debates with respect to charges of transfer pricing. On the basis of a large data set, which includes all oil shipments into the US and Canada from 1974-84, the first direct test of manipulative transfer pricing, based on actual company behaviour, is performed. Particular attention is paid to the multicollinearity problem which arises in this context. Through regression analysis it emerges that the six largest Canadian affiliates of multinational corporations paid crude-oil import prices which were generally equal to or lower than prices of third-party transactions for a country in a given year. This is a fairly robust result which highlights the existence of manipulative transfer pricing. In the present case, the practice was beneficial to Canada.\n(This abstract was borrowed from another version of this item.)\nTo our knowledge, this item is not available for\ndownload. To find whether it is available, there are three\n1. Check below under \"Related research\" whether another version of this item is available online.\n2. Check on the provider's web page whether it is in fact available.\n3. Perform a search for a similarly titled item that would be available.\n|Date of creation:||1993|\n|Contact details of provider:|| Postal: UNIVERSITE LAVAL, GREEN, DEPARTEMENT D'ECONOMIQUE, QUEBEC G1K 7P4.|\nPhone: (418) 656-2096\nFax: (418) 656-7412\nWeb page: http://www.green.ecn.ulaval.ca/\nMore information through EDIRC\nWhen requesting a correction, please mention this item's handle: RePEc:fth:lavaen:9302. See general information about how to correct material in RePEc.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Thomas Krichel)\nIf you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.\nIf references are entirely missing, you can add them using this form.\nIf the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.\nIf you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the \"citations\" tab in your profile, as there may be some citations waiting for confirmation.\nPlease note that corrections may take a couple of weeks to filter through the various RePEc services.", "label": "Yes"}
{"text": "Zillow (Z) is down but not out\nZillow (Z) shares got a swift kick in the nuts thanks to soft Q4 guidance. Q4 guidance is for revenue of $30M-$31M, below a $32.5M consensus. Q4 adjusted EBITDA expected to total $3M-$3.5M, down from Q3's $7.6M.\nThis is typical Wall Street short-sightedness and a great opportunity to load up on shares below $30.\nHere is what investors should be focusing on. Revenues were up almost 67.5% over the year ago period. For the quarter, Zillow reported record third quarter revenues of $31.915 million, which beat analyst estimates of $31.66 million. On an earnings per share front, the company reported a profit of 7 cents per share, matching expectations. In the year ago period, Zillow reported revenues of $19.057 million, and a 2 cent per share loss.\nWhat a lot of investors don't realize are the reasons why Zillow lowered guidance. Zillow is switching from making money primarily on advertising to making money by providing leads to real-estate agents and mortgage lenders. This sounds smart in the long term, because lead generation is a business that adapts much better to mobile, and Zillow is now getting more views of homes on mobile than it is on its desktop website.\nAlso, Zillow is taking foreclosure listings in-house. To expand its database, Zillow now gets data from county records on foreclosed homes and lists them on its site for buyers for free. It used to sell ads to a company called Foreclosure.com. That revenue has gone away.\nMastery Bottom Line:\nMake no mistake, Zillow is still a speculative stock. However, if the housing market is truly bottoming out like many think it is, now is a great time to get in. If you've used Zillow you know how powerful a tool it is. I for one can't imagine buying real estate without it.\nBest of the Blogs\nScanning and identifying the best blog entries every hour\n- Trump Brings \"Large Scale Voter Fraud\" To Forefront As Media Bashes \"Threat To Democracy\" | ZeroHedge\n- \"The Outcome Is Undeniable\" - Global Debt Investors Face Reality Of A World Devoid Of Options | ZeroHedge\n- Russian Naval Fleet Filmed Off British Coast, Followed \"Every Inch Of The Way\" | ZeroHedge\n- Caught On Tape: Filipino Police Run Over Anti-American Protesters As They Storm US Embassy | ZeroHedge\n- Tax Foundation Analyzes Tax Plans: 10-Year GDP (Trump +6.9%, Hillary -2.6%), Wage Growth (Trump +5.4%, Hillary -2.1%) | Financial Sense\n- \"It's Really Broken\" - Divergences & Decouplings Dominate Week In Stocks, Bonds, FX | ZeroHedge\n- December Rate Hike Considerations | Financial Sense\nThe most relevant financial news and articles from the Internets\n- Jeff Bezos on Peter Thiel supporting Donald Trump:... | Business Insider\n- How to tell someone's lying to you just by... | Business Insider\n- We took a real résumé from a mid-level employee and turned it into something fantastic | Business Insider\n- The AP fact-checked the debate — here's the verdict | Business Insider\n- Apple could learn a thing or two from Nintendo's surprise... | Business Insider\n- Trump more than doubled his campaign spending last month —... | Business Insider\n- People are going nuts over a Janet Jackson song after... | Business Insider", "label": "Yes"}
{"text": "Economics is the study of various factors that affect the economy. The primary goal of this type of research is to make sound economic decisions. Economists use a variety of tools to do their work. Some methods are simple, while others are much more complex. Here are some basic concepts for you to understand. Here are a few of the most common methods. This method is the most basic of all. It is used to examine the feasibility of a proposed project.\nThe goal of economic analysis is to maximize the value of a market. The monetary valuation of an alternative is based on the discounting of its costs and benefits over a set period of time. This process also involves evaluating the total net benefits of the alternatives. The results of an economic analysis can help policy makers make decisions about their future. Several economic models are available for the analysis of different industries and sectors. This is a useful way to find the optimal solution for your organization.\nAn economic analysis should be based on a definite question. The answer should be based on the value and consequences of the alternative. Depending on the industry, it is also helpful to examine a few different factors. These factors include: The economic impact of a policy; the effect on the economy; the value of a service; and the cost of a product or service. This type of research will help you determine which approach is best for your business.\nThe goal of economic analysis is to maximize an individual’s subjective preferences. As the basis for all decisions, the aim of an economist is to maximize a person’s perceived wants and needs. The monetary benefits of a policy will ultimately depend on whether or not the policy will create the desired effect. So, while a decision maker may make decisions based on these criteria, it is important to consider the costs and benefits. This way, you’ll be able to make a better decision.\nThe goals of economic analysis are to maximize aggregate realization of preference satisfaction. In economics, efficiency is defined as the ability to produce a desired effect with minimal effort, expense, and waste. In other words, efficiency is the ability to maximize value when a particular allocation of resources is made. Usually, the benefits of a product or service are measured as willingness to pay. This is called the cost of opportunity. This cost is considered an incentive to invest in a product or service.\nIn the case of real estate, an economic analysis is a tool used to compare the benefits of a program versus its costs. The goal of an analysis is to maximize the value of the money spent on it. It is used to determine the cost-effectiveness of different investments. In a cost-effectiveness analysis, you compare two interventions and determine which one generates more benefits. This is a method of comparing the costs and benefits of a policy.\nThe cost-benefit analysis aims to maximize the value of an item versus its opportunity cost. This method is often based on benefit-cost analyses. The costs involved in a project are the benefits of its implementation. The costs are the result of the benefits the business will obtain from it. A cost-benefit analysis will be a cost-effective way to decide on the best course of action for your company. But it will also require an economic analysis to determine whether or not a project is worthwhile or not.\nThe objective of an economic analysis is to maximize the utility of a certain option. The cost-benefit analysis is a comparison of the costs and benefits of two alternatives. The difference between the two options is measured in the difference between the benefits of the interventions. The costs are the outcomes of the policies. The advantages are the advantages. However, the cost-benefit analysis is a complex and time-consuming method of determining the value of an option.\nThe cost-benefit analysis focuses on the cost-benefit analysis and monetary effects of a particular program. Its objective is to compare two alternatives and choose the one with the most benefits. As such, it is the most common method of economic analysis. It is also the most popular one. This method is known as cost-effectiveness analysis. The goal is to determine which option has the lowest impact for the least amount of money.", "label": "Yes"}
{"text": "All fields are required.\nAlstom won a three-year contract from the San Francisco Municipal Transportation Agency (SFMTA) to provide vendor managed inventory (VMI) services for the agency’s rail fleet. Worth more than $50 million, the contract includes two exercisable two-year options and follows an original contract signed in 2013. Alstom will continue to provide SFMTA parts, inventory planning and automated part replenishments, and management and oversight of the VMI program. The company also will provide as-needed technical and engineering services. Alstom will provide the VMI service to SFMTA from its Vallejo, California, facility.Sound Transit has chosen dFuzion Inc.’s rMetrix® ride performance assessment system to help improve ride quality and comfort monitoring of rail lines and vehicles. The rMetrix system — which incorporates GPS and accelerometer sensors — changes the way ride quality data is collected, stored, analyzed and displayed, dFuzion officials said in a press release. The system is designed to monitor, collect and analyze geo-spatially correlated ride quality data, and make safety and maintenance recommendations in real time.Mitsubishi UFJ Lease & Finance Co. Ltd. subsidiary MUL Railcars Inc. (MULR) reached a milestone Nov. 20 by leasing its 10,000th rail car. Over the past year, MULR has doubled the size of its fleet to more than 10,000 cars. The company plans to continue growing a diverse portfolio of cars through primary and secondary acquisition channels, MULR officials said in a press release. By 2020, MULR expects to expand its portfolio to 25,000 cars.\nCIT Group Inc. has named Robert Rubino president of CIT Bank N.A., the firm’s banking subsidiary, effective Feb. 25. He will join the company’s executive management committee and report to Chairwoman and Chief Executive Officer Ellen Alemany. Rubino will be responsible for the oversight and growth of the commercial banking divisions, including commercial financing, real estate financing, equipment financing, commercial services and rail-car financing. He most recently was co-president of Santander Bank N.A. and head of commercial banking.\nAllTranstek LLC has promoted James Dinell to vice president of technical services. He assumes responsibility for the day-to-day operations of the company’s four technical groups: nondestructive testing, welding and special processes; regulatory compliance; fleet engineering; and inspection services. Dinell joined AllTranstek in 1999 and was instrumental in the formation of the firm’s technical services group. AllTranstek provides fleet management services and tank-car technical expertise, and manages more than 275,000 rail cars in North America.\nLTK Engineering Services has promoted Ernest Chance from vice president of the South Atlantic Region to VP of the Southeast Region; Winston Simmonds from senior systems consultant to VP of the DC Metropolitan Region; David Diaz from VP of special projects to VP of the Middle Atlantic Region; and Raymond Carini from VP of the Middle Atlantic Region to senior VP. Chance has more than four decades of experience in the transit/railroad industry and will continue to manage the Washington Metropolitan Area Transit Authority’s (WMATA) 8000-series vehicle procurement program. Simmonds has more than 28 years of project, engineering and construction management experience in the transportation/public transit industry, and will continue managing WMATA’s 7000-series vehicle procurement program. Diaz has more than 30 years of experience as an engineering project leader with expertise in all segments of railroad and transit disciplines. A 38-year LTK veteran, Carini has extensive experience with large-scale projects involving design, implementation, rail-car procurement and planning.\nCP and grain: New high efficiency train, new monthly volume mark »\nFRA certifies PATH's PTC system »\nWMATA extends RFP deadline for Silver Line extension operator »\nDelmarva Central Railroad to operate two Delaware-owned rail lines »\nAmtrak to install digital info system at Philadelphia station »", "label": "Yes"}
{"text": "IFRS 16: profitability indicators and financial decisions\nThursday, 20 of August 2020\nParticipate in this webinar and discover more about our Study Diploma in Financial Management and Controlling with which you can apply the principles of financial management and controlling to organizational strategies. As well as, develop internal control and management systems designed to protect the assets of a company. You will also design strategies and measures to control the capital structure of a company; managing to compare financing methods based on balanced financial policies.", "label": "Yes"}
{"text": "Philadelphia, PA 19122\nTemple University - Fox School of Business and Management\nTrade Credit Receivable, Firm Heterogeneity\ntrade credit receivable, firm heterogeneity, financial distress\ncash holdings, climate, global warming, natural disasters, technological disaster, and disaster management\nCapital structure, Religion, Religious concentration\nBusiness disaster loan program, climate change, distress relief, US President, natural disasters, political catering, public sentiment.\nThis page was processed by aws-apollo-l2 in 0.195 seconds", "label": "Yes"}
{"text": "Balancing top-notch customer service and amenities and costs is a huge challenge for airlines. JetBlue’s structured cost-cutting program is starting to touch bits that passengers will experience and that could be bad news, especially juxtaposed against a backdrop of the company’s new ad campaign.\nUnited Airlines has heard the stroopwafel pleas. After removing the Dutch treat from its cabins in mid-2018 the carrier reintroduced them in a limited fashion earlier this year. As of 1 July 2019, however, the snacks will be available for economy class passengers on every domestic flight, regardless of departure time.\nJetBlue is making two significant changes to its inflight service process in the coming months. The carrier will switch from Coke to Pepsi for the complimentary beverages in “Core” economy class. The carrier will also transition away from the single-serving mini water bottles to a poured offering from 1.5L bottles. The changes will begin to fly in early June 2019.\nSurprised that changes are coming to United Airlines’ Polaris service? Apparently the cuts are coming because of customer preference, so there’s that.", "label": "Yes"}
{"text": "From the beginning of April, SOB and Potovn spoitelna will be among a group of banks that hold credit cards for two and 55 days without a year to repay the debt. It won’t be free. At the same time, increase the annual rate for those who do not have time to pay the total debt in the immediate period.\nFor classic credit cards, 55 days is the longest period. Only banks that, in cooperation with external partners, also issue so-called cobrand credit cards, also offer a long-term period.\nFor example, a client of Komern banka, the holder of a T-Mobile Bonus card credit, has a fixed period set for 76 days. Similarly, Raiffeisenbank’s clients have the option of repaying the debt without a year and within 55 days for selected cobrand cards. Among banks with the longest uninterrupted period, you can also go to mBank, a client without a year can pay within 54 days.\nOn the other board with the shortest equivalent period of 40 days, esk spoitelna with its Smart Card with one optional service.\nRon’s rate is around 15, but also 26 percent\nAlthough SOB and Potovn spoitelna have been improving their clients for an extended period, on the other hand, those who do not pay your installments will raise the annual rate from 1 April.\nInitially, the one-year annual rate for credit cards should be up to 31 March by the same 19.20 percent. From the following month, the SOB bag will raise it to 19.90 percent and Potovn spoitelna to 20.90 percent.\nThe vast majority of banks give him credit cards set differently in different years. These depend mainly on the type of card, in mBank, for example, on the fee for keeping the card.\nAt the lowest rate of 14.80 percent, mBank clients can pay a fee of CZK 590 for a credit card. Home Credit is on the main market with an annual rate of 26.28 percent.\n|Ron years rate for credit cards|\n|Bank||In years rates|\n|Citibank||22,80 – 29,99 % (1)|\n|esk spoitelna||18,70 – 23,88 % (2)|\n|UNDER||19,90 % (3)|\n|GE Money Bank||21,48 – 23,88 % (4)|\n|Komern bank||19,90 – 21,90 % (4)|\n|LBBW Bank||18,48 %|\n|mBank||14,80 – 23,80 % (5)|\n|Potovn spoitelna||20,90 % (6)|\n|Raiffeisenbank||17 – 25,08 % (4)|\n|UniCredit Bank||15,96 – 23,40 % (4)|\n|Home Credit||26,28 % (7)|\n|Source: financial companies\nNote: (1) by card type, 29.99% for cash withdrawal; (2) by type of service, 23.88% for cash vbr, (3) salary rate from 1 April 2011, to 31.3. is 19.20%; (4) by card type; (5) according to the fee card fee; (6) salary rate from 1 April 2011, to 31.3. is 19.20%; (7) rate of 11.88% for exhausted sewer over 30 thousand crowns\nIf you use a credit card to withdraw cash, prepare for the next year, not in the case of non-cash payments at merchants. For example, Citibank will have a debt ratio of 29.9 percent, while 2.49 percent of the current debt will be around.\nFree services: extended check and emergency assistance\nIn addition to the ability to borrow for a period of no year, banks offer credit card owners free of charge and various benefits. In addition to standard services, such as card blocking, changes to credit limits and the issuance of additional credit cards, clients have goods purchased with credit cards that are safe against damage and damage. SOB clients, esk spoitelny for Chytr karty, and Komern banka for the new Lady karta product, for example, will meet this benefit.\nInteresting bonuses include the extension of the standard two-year cancellation by one year for goods purchased via credit card. This option can be used by the creditors of SOB and Komern banka, as well as by Cetel.\nGE Money Bank dritelm credit cards Money Card Gold provides free assistance services in the field of Home Assistance and Lifestyle Assistance. “Home Assistance is a program that offers immediate help in the event of an accident in an apartment. Lifestyle Assistance is a kind of pocket assistant who orders free telephone services for the client, such as flowers for a wife or a restaurant for dinner, etc., ”explains Hana Miencilov from GE Money Bank.\nCredit card holders at many banks use various bonus programs, which, according to them, charge them various points. They can then exchange them for goods and discounts. The owner of some types of credit cards, Raiffeisenbank, UniCredit Bank or Cetelem, can meet this.", "label": "Yes"}
{"text": "We have our first Cornish crosses at about five weeks old. While doing research on costs to raise and possible selling prices, one article mentioned selling chicken livers, gizzards, hearts and feet at $3.50/lb. I think I'll be fortunate to get $2.50 a pound for the whole chickens. Do processors usually save these parts, and do you think anyone would buy them? I saw some recipes, but it's not something I personally want to eat.", "label": "Yes"}
{"text": "The Australasian Accounting, Business and Finance Journal is a double blind peer reviewed academic journal. Within the Autumn Time period you may develop core information and expertise in numerous areas of management which have an emphasis on enterprise finance. Within the second term, two non-compulsory modules give you the likelihood to specialize in explicit areas of economic management. Because it’s launch in September 1964 as Ireland’s first enterprise journal, Enterprise & Finance has celebrated over 50 years delivering insightful information, comment and evaluation to and about the Irish and worldwide enterprise neighborhood.\nThe key begins with units on quantitative analysis and economics that reach your studying from the core units of our Bachelor of Enterprise diploma. You’ll then be exposed to core ideas and expertise in finance, together with financial devices, capital planning, funds acquisition, asset and debt management, financial evaluation, and investments administration.\nOne other function is that the … Read More\nBusiness and Finance supports the College by way of progressive thought and leadership, collaboratively selling the very best interests of the College, influencing cultural change, and being effective stewards of assets by offering top quality services. Professionals in business finance should usually earn at the very least a bachelor’s diploma in an applicable area, though necessities fluctuate by position and employer. Many schools, universities and vocational colleges provide levels in business finance or levels in enterprise administration with finance concentrations. Such programs have a tendency to incorporate coursework in investment analysis, international finance, accounting and managerial finance. Some advanced positions, like these in financial analysis and management, could entail a grasp’s degree, licensure, certification or a mixture of these requirements. Below are just a handful of articles describing degrees that will put you on the monitor to a career on this field.\nThis theme continues in the second year with … Read More\nDynamics 365 for Finance and Operations, Enterprise version, is now Microsoft Dynamics 365 Enterprise Central—a robust all-in-one enterprise administration resolution. To be able to achieve the award of Bachelor of Arts (Honours), a scholar should satisfy the College necessities of 360 credits. A pupil who doesn’t want to progress to a subsequent 12 months of research may apply for an intermediate award of Diploma of Larger Education if they go a minimal of 240 credits. A Certificate of Increased Training could also be awarded to a scholar with minimal of one hundred twenty credits.\nThe LJMU bursary is robotically paid to eligible students – you do not want to apply for it. The annual bursary is £500, which works out at £1,500 over a three year degree. For college kids who complete the placement, their dissertation shall be accomplished after the placement has completed and submit by the second half … Read More\nDynamics 365 for Finance and Operations, Enterprise version, is now Microsoft Dynamics 365 Enterprise Central—a strong all-in-one business management solution. Business Economics: College students will develop a sound data of the speculation of enterprise economics and its functions, as well as buying an understanding of (i) the relationship between government and business and (ii) the macroeconomic environment of enterprise. Subjects embrace fundamental financial problems, analysing market structure, enterprise technique in different market constructions, business activity, employment and inflation, globalisation and multinational enterprise.\nWe also work with organisations to develop our course programme. For example, we’re working with SAP , the world’s largest business software company. Throughout our second yr module, Managing Systems, college students achieve sensible expertise working as a crew to handle a business state of affairs by using SAP’s Enterprise Resource Planning system, which is considered business-normal software program.\nAnother feature is that the emphasis on the utilized … Read More\nEnterprise and Finance supports the University by way of innovative thought and leadership, collaboratively selling the best interests of the University, influencing cultural change, and being efficient stewards of sources by providing top quality companies. The Liverpool Business College is a supportive setting in which to study and the ‘scholar-centred strategy’ of your tutors will guarantee that you’re given the assist and steerage you want. You may be assigned a private tutor. They are going to arrange one-to-one tutorials with you to discuss a chunk of coursework or to work with you on your personal improvement plan.\nWhen contacting one in all our students for the primary time, please introduce your self and the Master’s programme you have applied for earlier than you outline any questions you may need. An excellent business plan is essential to convincing a lender to offer you finance. We explain how one can write a … Read More", "label": "Yes"}
{"text": "On Might 31, 2012, the U.S. District Court for the District of Columbia held that the Fair Credit Reporting Act requires a vehicle dealer to disclose to a auto purchaser that adverse credit history resulted in a larger interest rate on the buyer’s auto loan – even if the dealer was not the 1 that reviewed the credit history since only a bank or finance organization did so. The case is National Automobile Dealers Association v. Federal Trade Commission , Civ. As a matter of fact, Michigan’s new-vehicle dealers account for about 15% of the state’s tax earnings! Jim Radogna is a nationally-recognized auto industry consultant specializing in dealership sales and finance department legal compliance. Although these states had no caps on dealer costs, a private lawsuit in South Carolina resulted in a $three.six million verdict and an lawyer general action in Indiana resulted in a $625K settlement. The broker can get some technical coaching and on the job understanding, he may possibly be necessary to join an association. I do not drive (will have to create about that 1 day) but yes, the auto has changed items.\nThe New Vehicle Dealers Association of BC provides solutions, merchandise, consultants and benefit partnerships to its dealer members. If a manufacturer sees that Tesla is effective with this sort of organization model, who’s to say they don’t break out their own EV solution lines and develop a separate method that bypasses dealers?”, said the Massachusetts State Automobile Association executive vice president Bob ‘Koniewski. There would be no proper roads since our highways have been designed particularly for the automobile.\nThe thought is that if a dealership charges one consumer a charge, it has to charge everybody the very same fee to avoid possible litigation. The reasoning is that if a dealership charges one particular client a fee of any type they have to charge absolutely everyone the exact same charge, or they open themselves up to a lawsuit. Understanding the appropriate auto for a specific client is the line amongst good results and failure as an automobile broker.\nSeveral of the members of the Detroit Auto Dealers Association participate in the NAIAS, LLC, which is accountable for the production of the North American International Auto Show (NAIAS). Our Executive Committee includes dealers selected by every single of the key regions and the President of CADA. The major sources utilized by brokers to get vehicles are automobile dealers, auto-vehicle shows, and public auctions. On U.S. 27. About 4,400 population, income under the Indiana state typical (which is itself beneath the US average). Automobile brokerage is excellent enterprise if you can uncover paying consumers and supply very good service.\nThe Association speaks on behalf of British Columbia’s new automobile business to the public, media, and government, and bargains with the legal, environmental, and customer concerns relating mainly to new automobile sales in British Columbia. CADA was incorporated as the Cleveland Automotive Trade Association (CATA) in 1915 as a corporation for profit.", "label": "Yes"}
{"text": "Smart-beta indices are constructed to exploit “anomalies” that reward exposure to risk factors beyond what would be expected as “necessary compensation” under the Capital Asset Pricing Model (“CAPM”). Of course, any factor that results in nominal outperformance must be considered on a risk-adjusted basis, since taking on higher risk should engender a greater reward – and investment researchers at S&P Dow Jones Indices think at least some factor “anomalies” aren’t anomalies at all, but just rewards for greater-than-understood risk-taking.\nEven still, among the remaining anomalies, the researchers think many are “disappearing,” “statistical,” or “attenuated” – and only a few are truly “persistent.” Writing on behalf of S&P Dow Jones, academic Hamish Preston and S&P Dow Jones Index Investment Strategy professionals Tim Edwards and Craig Lazzara express these views in an October 2015 research paper titled “The Persistence of Smart Beta.”\nDisappearing anomalies don’t last. A great example shared by the paper’s authors is the so-called “Weekend Effect” that was popularized by Frank Cross in 1973. Mr. Cross discovered that if investors had bought stocks at their closing prices each Monday and sold them at their closing prices each Friday – avoiding the weekend and the Monday trading session – they would have dramatically outperformed a “buy and hold” strategy from 1950 to the time of his research.\nBut then, almost immediately after the Weekend Effect became well known, the anomaly didn’t just disappear, it reversed. The Weekend Effect rebounded in 1984, only after another academic research paper called it into question – and then when a paper called “The Reverse Weekend Effect” was published in 2000, the old Weekend Effect returned.\nAs soon as investors gained knowledge of the Weekend Effect, it reversed. When knowledge of the reversal became widespread, the reversal reversed. Now it’s taken as a given that the Weekend Effect was a coincidence – hence, it was a disappearing anomaly.\nPerhaps a better approach is for investors to keep knowledge of anomalies they discover secret – that way they may be less likely to disappear. This is what David Dolos did when he discovered that applying the price movements of the 1720 South Sea Bubble – second only to Tulip Mania in episodes of old-school irrational exuberance – to the Dow Jones Industrial Average inexplicably produced outsized returns. Mr. Dolos never told anyone about his discovery, and he reaped the rewards in anonymity until 2007, when the system broke down.\nWhy? Well first off, David Dolos didn’t exist. The story is made up, and although the 1720 South Sea Bubble was real, the South Sea Bubble effect was data-mined into existence. As the paper’s authors note, modern computing power can easily produce “false positives” – i.e., anomalies that are purely statistical in nature. In order for an anomaly to be persistent, it must make logical sense.\nMomentum is one of the most popular factors. Academic research supports its outperformance, and the concept of momentum stocks – stocks that are going up – outperforming non-momentum stocks makes logical sense. The momentum anomaly is known to anyone who cares to know about it, and yet this knowledge hasn’t caused the anomaly to disappear – instead, it has reinforced it.\nThe downside is that since investors have become aware of the momentum anomaly, its drawdowns have been bigger. This is what the S&P Dow Jones authors mean by an “attenuated anomaly.”\nIn 1997, Mark Carhart published a study that showed adding momentum to the famous Fama-French three-factor model boosted returns. This caused more money to flow into momentum stocks, ultimately leading to bigger drawdowns during crashes.\nAre there any truly persistent anomalies? The authors say there is at least one: Low volatility. But they conclude with a word of caution: “So far, the investment and attention directed toward low-volatility strategies has not been sufficient to temper their returns or attenuate their risk/return profile.” So far.\nAs the well-known disclaimer says: “Past performance does not necessarily predict future results.”\nFor more information, download a pdf copy of the white paper.\nJason Seagraves contributed to this article.", "label": "Yes"}
{"text": "The Kremlin on Monday tried to dismiss a drop in President Vladimir Putin’s sky-high approval ratings after a hugely unpopular government proposal to hike the state pension age.\nThe Russian government has proposed raising the pension age to 65 for men and 63 for women, which would be the first increase in nearly 90 years.\nThe measure was unveiled the day the World Cup kicked off in Russia last week.\nEven though the move was announced by Prime Minister Dmitry Medvedev, state-controlled pollsters registered a rare decline in Putin’s stellar approval numbers.\nAccording to FOM, a state pollster, 69 percent of Russians approved of Putin’s work on June 17, down from 75 percent on June 10, days before the announcement.\nSixty-seven percent of respondents said they trusted Putin, down from 75 percent over the same period.\nAnother state pollster, VTsIOM, registered a similar decline.\n“I would not exaggerate this,” Putin’s spokesman Dmitry Peskov told reporters.\n“Putin treats this rather pragmatically – for him the most important thing is the continuation of his work.”\n“And he never acts with regard to ratings in such cases. The interests of people top everything for him,” Peskov added.\nA legacy of the USSR, Russia’s retirement age — set at 55 for women and 60 for men since the early 1930s — is currently among the lowest in the world.\nGiven the country’s demographic decline, the current system represents a growing burden for the federal budget.\nCurrently 25 percent of Russians are above retirement age, a proportion that has risen every year for the last decade, according to the state statistics agency.\nEighty-two percent of Russians oppose lifting the state pension age, according to the FOM pollster.\nAs of Monday, more than 2.4 million people had signed a petition against the move, in a rare show of public opposition to a government proposal.\nKeen to tap into public anger, Putin’s top critic Alexei Navalny urged Russians to take to the streets in protest on Sunday.", "label": "Yes"}
{"text": "VICTORIAN taxpayers could be asked to throw a financial lifeline to the state’s desalination plant, after the Government agreed to underwrite its new private partners in the multibillion-dollar project.\nThe AquaSure consortium, led by French water company Degremont, yesterday was named as the winning bidder to design, build and operate the $3.5 billion water factory, which is hoped to secure Melbourne’s drinking supplies at a cost of rising water prices.\nCrucial financial details — including how much taxpayers will pay at times when the plant is not producing water — will remain secret until the deal is finalised in September.\nMore than two years after the plant was first announced, the controversial project has weathered fierce opposition on the Bass Coast, a Federal Court challenge and a major economic downturn to become the centrepiece of the State Government’s water plan.\nWith a maximum production of 150 billion litres each year, the plant could supply more than a third of Melbourne’s annual water consumption, and will begin pumping water to Cardinia Reservoir in late 2011.\nThe losing consortium included French corporation Veolia — making it the second time in recent weeks that Veoliahas lost a major tender in Victoria, after its subsidiary Connex was dumped as the operator of Melbourne’s trains.\nDesalination will be a major factor in household water bills rising up to 64 per cent within four years, but the Government’s surprise decision to act as the project’s guarantor means taxpayers could end up paying even more in the short-term.\nThe chairman of the winning consortium, Tony Shepherd, said AquaSure had secured $800 million in equity and $4 billion in debt, and would now seek to sell down its debt to superannuation funds.\nPremier John Brumby said the Government would take the debt off the consortium’s hands at commercial rates if buyers for the debt could not be found. But Mr Brumby stressed he did not expect this to occur.\nSources suggested the Government’s maximum lifeline would be less than $2 billion, and it is hoped that some of the 10 banks aligned to the unsuccessful bid would seek to become involved with AquaSure.\nAnother source intimately involved in the desalination tender process said the Government’s role as guarantor was a symptom of the economic downturn, and would not have occurred in the economic climate of two years ago.\nMr Shepherd said the project was ‘‘by far’’ the biggest public-private partnership (PPP) in the world since the global financial crisis began.\nYet with the ultimate risk carried by the Government, Monash University expert Dr Graeme Hodge questioned whether it should be called a PPP at all.\n‘‘Having a background government guarantee puts a new label on the project. Is this a public-private partnership for infrastructure or is it an industry support mechanism, a donation to the construction sector?’’ Dr Hodge said.\nThe Nationals leader and member for Gippsland South, Peter Ryan, said underwriting the project ‘‘defeats the basic purpose of having a PPP’’.\nUnder the deal announced yesterday, the Government has committed to making fixed, periodical payments to the private operators, even in times when no water is required.\nThe Government is also bound by a water use fee, which rises and falls depending on how much water is supplied.\nWhile it has retained the right to order no water in a given year, the Government will still have to pay a fixed, periodic payment for the 30 years of the contract. More details of how much those fees will cost Victorians are expected to be released in September.\nThe contract forbids the private operators from selling water to anyone other than government-run water authorities.\nWater Minister Tim Holding would not say what dam levels would be required for the Government to stop ordering water from the plant.\nHowever, Melbourne’s water retailers have been told to expect the plant to operate at full capacity if the city’s dams are below 65 per cent on March 31 each year.\nAn 11-hour push from the Government for the plant’s power connections to be buried underground succeeded, with both bids abandoning the option of connecting the plant to the electricity grid with 85 kilometres of overhead power lines.\nIt was a massive win for local campaigners, many of whom are farmers. Around 75 per cent of public submissions to the Environmental Effects Study into the project were focused on power lines.\nDespite earlier plans for a two-year, two-kilometre exclusion zone along neighbouring Williamsons Beach, Mr Brumby yesterday said the beach would now stay open.\nSign up for our newsletter to stay up to date.", "label": "Yes"}
{"text": "You Could Save up to $500 or More in Minutes\nSafe • Secure • Confidential • No Obligation\nIf saving hard-earned money is your goal, then absolutely free insurance quotes online from us could unlock potentially major savings for you…\nThere is no one that isn’t looking to put a few extra dollars in their bank account. Saving money is the priority for most individuals, especially when it comes to choosing the right insurance policy. You have definitely come to the right place if you are in search of the lowest and most affordable insurance policies around.\nYou can expect to find free, safe, reliable and secure insurance quotes online, right here at Instant Insurance Quotes Online. Affordable insurance is always what you are looking for and Licensed Insurance Agent Network offers the lowest local insurance rates around from the nation’s top trusted and financially secure insurance carriers, which make us the right fit for you.\nInsurance Quotes Online for the Lowest Premiums\nEveryone would love it if their insurance rates could be reduced on their own, but the fact is that with time you are bound to be overpaying for your current insurance policy. The only way to get access to the most affordable rates is to use Insurance Quotes Online. We are here to help you every step of the way and make it easier than ever before to get fast access to the lowest insurance quotes online in your Zip Code.\nActively shopping around for the best insurance rates is the only way to guarantee that you aren’t overpaying for coverage. We are here to help your hard earned money go further than you ever thought possible. Learn more and unlock your savings…\n- Auto Insurance – Low Cost Auto Insurance for…\nHigh Risk Drivers\n- Health Insurance – Inexpensive Health Insurance for…\n- Home Insurance – Cheap Homeowners Insurance for…\nMulti Family Homes\nSingle Family Homes\n- Life Insurance – Affordable Life Insurance for…\nAnd, if you’re in need of other policies that not listed here simply ask your quoting insurance agent(s) about them and they’ll be more than happy to assist you with any multi-policy discounts that they may have available for you.\nMeeting Your Specific Needs\nAt www.InstantInsuranceQuotesOnline.com, you can expect to find insurance quotes that meet your needs exactly. No matter what type of insurance you are searching for, you will be able to find a policy that works for you and offers top of the line coverage at a rate you can afford. This is our guarantee to all online users of Insurance Quotes Online. Internet technology is designed to make everything so much easier and you need to use it to your advantage when shopping for affordable insurance. Getting your insurance quotes online from the comfort of your home makes everything so much easier and enables you to have no excuse not to look for the best quotes regularly.\nMore than Just Quotes\nWe provide you with more than just access to the most affordable and high quality insurance policies around. You can also access our free online resource center that includes tips and helpful advice, as well as news and headlines relevant to the insurance industry.\nPlease take a moment to share this page with your friends and family on your favorite social media sites. We hope you enjoy your visit here and that you save as much money as possible when you get your personalized free insurance quotes online from us, as we safely and securely connect you with the top local insurance agents best qualified to service your insurance needs.\nTop 10 Insurance Markets by State", "label": "Yes"}
{"text": "To be an investor, you first need money to invest. That ultimately comes from running a surplus. The same holds true for countries. The ones who run a surplus can create huge portfolios of assets. Chinese sovereign funds are nearly $1 trillion.\nThe Economist had a chart showing the hierarchy of countries that pay themselves first. The US and Canada pays these guys first too.", "label": "Yes"}
{"text": "Soaring rents 'have reached upper limits'\nThe cost of renting a home has again shot up - but there are tentative signs that the rate of increase is easing off.\nHowever, experts said rent rises were slowing because landlords now realised that tenants couldn't afford to pay more for their accommodation.\nNew figures show the cost of renting across the State was up by almost 9pc in the three months to September.\nIt now costs close to €1,000 a month nationwide to rent a typical property.\nJohn McCartney at estate agency Savills said rents had gone up by 40pc in Dublin since they fell during the downturn.\nHe added people were now unable to bear higher rents.", "label": "Yes"}
{"text": "Village commerce startup 1Bridge raises $2.5 million funding\nThe funding for the Bengaluru-based company was led by Netherlands-based impact investor C4D Partners, an early investor since the last four years, who have doubled their commitment.\nET Startup Awards 2016: How AgroStar is making a profit while making a difference\nThe startup has partnered with more than 150 brands, including multinational companies such as Syngenta to provide raw materials, seeds.\nRubanBridge: Head Held High to now focus on connectivity for corporates in middle India\nHead Held High Services has pivoted its model to focus on an initiative called RubanBridge, which facilitates local youth to provide connectivity for corporates.\nBACK TO TOP", "label": "Yes"}
{"text": "Remote working is the new norm after the outbreak of the Covid-19 pandemic. Though some destinations are still inaccessible due to travel restrictions for foreigners, but a few countries are open and welcome foreigners with open arms. The UAE is one of them.\nTravel portal Lonely Planet has named the UAE among the world’s top 10 countries for remote working, thanks to city-wide WiFi, sunny weather and multi-cultural work atmosphere.\nImportantly, Dubai recently launched a programme that enabled overseas remote working professionals to live in the emirate while continuing to serve their employers in their home country.\nThe move provides remote workers - and their families - the opportunity to relocate on an annual basis to one of the world's leading tourism and business destinations and enjoy a safe and high-quality lifestyle underpinned by a strong digital infrastructure that provides seamless connectivity.\nBelow are the top 10 countries for remote working professionals released by Lonely Planet:\nUnited Arab Emirates\nThe UAE has been chosen as one of the best destinations for remote working, thanks to its diverse population, technologically advanced infrastructure, easy availability of Wi-Fi and a wide array of entertainment facilities in Dubai and other emirates. Dubai also recently announced one-year long visa for freelancers in order to attract professionals from different countries. Dubai is also open for tourists and other foreign visitors. But they have to take PCR swab test 96 hours prior to the arrival and also undergo another PCR swab test upon arrival.\nCanberra is tentatively easing travel restrictions but currently only citizens and residents can enter the country. People can rent a furnished studio in central Sydney or Perth for $1,100 and even less in Adelaide or Hobart. Internet connectivity quality is also pretty good.\nWhether you’re in the big cities like Tokyo or in the far-flung urban areas, remote workers can enjoy the best quality of life in the Asian country. Wi-Fi is zippy in the cities and leisurely in the country. Average monthly rent in Tokyo is around $1,000 and $600 elsewhere.\nThe southeast Asian country has coped with the pandemic very well, restricting foreign travellers despite the fact that it relies heavily on tourism. Thanks to its white sandy beaches and delicious street food, Thailand is one of the top rated countries by remote workers. Average monthly rent for a one-bedroom apartment is just $260.\nGeorgia is also considered an affordable and safe place for remote workers. Remote workers, or freelancers, are allowed from certain countries – around 95 – and earn at least $2,000 (Dh7,340) a month. People flying into Georgia will have to quarantine on arrival. Of late, Georgia has been a popular destination among the UAE residents for tourism.\nThe South American country offers digital nomads an easy residency process, affordable co-working space and good internet speed. Cafes also welcome freelancers to come and enjoy cozy atmosphere and work in a peaceful environment. Uruguay is one of the least affected countries from the pandemic, hence, it has not implemented a mandatory quarantine requirement. Also, restaurants remain open to dine in.\nThe African country also considered one of the best places to work remotely, thanks to a reliable Wi-Fi and high-quality but low-cost food. South Africa has kept its international border open but with travel off the cards for many, its beautiful beaches and nationals remain are crowd-free.\nHow about living and working remotely in one of the world’s top holiday destinations Bali and Java? Both the islands have good internet connectivity, lovely cafes and beautiful scenic beaches. Rentals are also affordable and internet cost is also economical.\nThe South American country is scenic, thanks to its rich amazon rainforest and a large jungle that covers one-third of the country’s area. Average monthly rent for one-bedroom apartment is US$350 and Wi-Fi speed in its major cities Medellin and Bogota is the best. But it is not great elsewhere.\nThough it’s a popular country among travellers but it’s also gaining traction among remote workers. It offers visitors six-month long visas. Average monthly rent for a one-bedroom apartment is around $500. While Wi-Fi speed is also decent in the country.\nEvents to be staged at the DWTC, comprising diverse sectors including construction, energy, technology, beauty, food, healthcare, environment and automotive, will mark the emirate’s post-pandemic economic recovery", "label": "Yes"}
{"text": "The credit card battlefield\nMake no mistake about it. This is war, what’s going on between credit card companies and their customers. If you’re not paying attention, you could take some serious shrapnel.\nLast year, Congress seized on the public’s anger and passed new regulations for credit card issuers. Some of them are already in effect. Others, like limits on rate increases, start next month.\nWell, guess what? The banks have reconvened in the war room and come up with a new battle plan. The LA Times has this explanation:\nIn response, many banks have been lowering the credit limits of millions of customers and raising rates. They’ve also been switching fixed-rate cards to variable rates that won’t be subject to the new rules and imposing “dormancy fees” for plastic that doesn’t get a regular workout.\nBut that’s not all. Talbott said consumers could look forward to even higher fees, revamped rewards programs and an end to some traditionally free services.\n“The number of institutions offering free checking will decrease,” he said. “The market is responding to the regulatory changes.”\nBut customers aren’t waving the white flag. They’re fighting back. A buddy of mine says Citibank doubled his interest rate from 15% to 30%, thanks to “a change in the terms of the account.” He says he dug through the Consumerist website to find the number for Citibank Executive Customer Service. A few phone calls later, he got his rate returned to 14.99%.\nThe lawyer in the video below isn’t using such diplomacy over his jacked-up rate. Ben Pavone is refusing to pay Bank of America unless the bank drops his rate from 28% to something more reasonable. And since he’s an attorney, he’s threatening to sue if his credit score is lowered for not paying. More:\n(Pavone) says he’s been a good customer, and has paid his credit card bill on-time for 13 years. The bank, he claims, raised his interest rate and lowered his spending limit without warning or explanation.\n“I think that’s what a lot of people are frustrated about,” Pavone said… “”A lot of feedback coming into my office is these are people with good payment records… there’s really no cause for it. The spread from 28 percent to what (the credit card companies are) paying, which is maybe a half percent to 1 percent, is simply opportunism.”\nI feel you, dog, but I’m thinking the courts are going to chuck you out on your ear. Maybe I’m wrong. Watch the interview and tell me what you think.\nIn other news, a House committee has scheduled a hearing for January 27th on a bill that would cap credit card interest rates, not just limit rate increases. Banks couldn’t charge rates above 16% on any card, and fees would be limited to $15.\nA similar bill was shot down last year, most likely by the banking industry’s lobbyist snipers. That lobby is still full of excellent marksmen, so I’m thinking this new bill might get shot down too.\nThen again, customers are starting to get a certain Mel Gibson in Braveheart look in their eyes.\nLast but not least, customers fighting this battle need to gather as much intel as possible on certain covert operations:\nThere’s a lot happening in the world. Through it all, Marketplace is here for you.\nYou rely on Marketplace to break down the world’s events and tell you how it affects you in a fact-based, approachable way. We rely on your financial support to keep making that possible.\nYour donation today powers the independent journalism that you rely on. For just $5/month, you can help sustain Marketplace so we can keep reporting on the things that matter to you.", "label": "Yes"}
{"text": "Lending Club supplies an intensive rundown associated with the application procedure on its FAQ page.\nPossible borrowers can always check their eligibility and prices without going for a credit struck via Lending Club’s on the web application. The program will ask you for fundamental information regarding your self as well as your funds.\nIf you should be authorized, Lending Club will show a few borrowing that is potential. Generally speaking, loans with long haul lengths could have greater interest levels but reduced monthly obligations, and loans with short-term lengths could have reduced interest levels but greater payments that are monthly. If you prefer the offers presented to you personally, you’ll have actually to find the one most suitable to meet your needs to keep the procedure.\nThe step that is next to ensure the data and submit papers for verification purposes. Presuming Lending Club doesn’t find something that would bar you against getting that loan, you’re going to get your hard earned money (less the origination charge) when investors fund the mortgage.\nPresently, signature loans typically just just just simply take only three times to be funded but might take much much longer if there are delays sooner or later in the act.\nProduct Product Sales & Advertising Transparency\nBetween your website that is main the FAQ, Lending Club’s web site supplies a lot of the information you’ll need to find out before using for a financial loan and even while you’re paying the loan down online payday loans Minnesota. We have heard of selection of rates of interest, origination costs, other fees that are possible and term lengths disclosed in multiple places over the web web web site. You shouldn’t run into any surprises if you poke around a bit before applying.\nIt’s worth noting that lots of clients feel misled by Lending Club’s mailers, which claim the client happens to be “preapproved” for the loan. As mentioned below, preapproval just isn’t indicative of whether or not you’re actually qualified for the loan. Lending Club identifies prospective borrowers through third-party sources but might find reasons why you should drop the application after gathering more information that is detailed your circumstances.\nLending Club Unsecured Loans\nCustomer Support & Tech Support Team\nLending Club has a really FAQ that is comprehensive which covers sets from trying to get that loan to how to navigate your bank account and just how to produce re re payments.\nWhen your real question isn’t answered there, customer care can be acquired via phone or e-mail. Unlike Lending Club’s company loan branch, borrowers with your own loan don’t have an account manager that is dedicated. Irrespective, many clients report good experiences with Lending Club’s customer care, though a couple of clients have actually reported trouble getting back in touch with an individual who may help re re solve their issue.\nReading User Reviews\nBad Reviews & Complaints\nLending Club is accredited because of the bbb. At present, Lending Club has 308 complaints that are total the final 36 months, and of those, 112 complaints had been closed within the last few one year.\nThe organization additionally has just a little over 200 complaints filed aided by the customer Financial Protection Bureau (CFPB) and contains a profile on Credit Karma. Remember that, even though many of those complaints are about signature loans, some are for Lending Club’s other solutions.\nLending Club happens to be tangled up in a lawsuit that is pending the Federal Trade Commission (FTC), which alleges that Lending Club has not yet complied with FTC needs regarding concealed costs and marketing requirements. Lending Club has given a reply towards the FTC refuting these claims, that exist on Lending Club’s weblog.\nHere you will find the many complaints that are common to unsecured loans, according to client complaints:\n- Origination Fee: Some clients claim they certainly were maybe maybe perhaps not alert to the origination charge before borrowing. But, the fee was seen by me disclosed in numerous places on the internet site, such as for example Lending Club’s prices & costs web web web page.\n- High-Interest prices & charges: Some clients felt that the attention prices and origination charges had been more costly than they might have liked, with a few borrowers complaining about APRs because high as 30-35%. In the event that you don’t just like the rate you will get from Lending Club, I’d suggest getting the prices from other individual loan providers for contrast; numerous online loan providers will give that you quote within minutes, without inside your credit rating.\n- Application Delays: many clients obtain funds in a manner that is timely some clients have actually reported delays through the procedure.\n- Denial After Preapproval: Lending Club delivers down mailers claiming you’ve been “preapproved” for the loan. Regrettably, this might be just an advertising strategy and will not imply you shall qualify for that loan whenever Lending Club learns more info on you.\nIt is additionally well worth noting that, based on the BBB, Lending Club’s name has been utilized in a advanced level charge scam. Here’s how the scam works:\nCustomers trying to get financing at websites on the internet aside from Lending Club are later being contacted by representatives claiming become from Lending Club. Loan candidates are told their loan shall be authorized plus the cash deposited to their bank account nevertheless they first must spend what they’re told is really a safety, insurance coverage or any other cost. They’ve been expected that the cash be placed for a prepaid credit card just like a green dot money pack or perhaps in A cash Gram.\nIf in question, keep in mind that Lending Club never ever charges application charges and therefore its loans are given via WebBank.\nReviews That Are Positive & Testimonials\nBesides the mentioned before profile on Credit Karma, Lending Club has amount of consumer reviews on its internet site. On Credit Karma, Lending Club unsecured loans includes a score of 4.3 away from 5 movie movie movie stars according to 111 reviews.\nListed here are commonly cited reasoned explanations why clients like Lending Club’s solution:\n- Quick application and money procedure\n- Informative customer support\n- Affordable monthly premiums\n- Competitive rates of interest\nAlso, numerous customers liked that these were in a position to finish the procedure totally online and never have to get somewhere or speak to someone regarding the phone.\nLending Club had been among the first loan providers to supply online unsecured loans and, it remains a worthy competitor for your business while it certainly has some competition now. Candidates without any business background can be eligible for a little loan, whether or not they don’t have credit that is perfect. A minority of users complain about delays, misleading marketing, and trouble getting back in touch with customer care, but the majority clients report that Lending Club’s loans are fast, simple, and affordable.\nLending Club Unsecured Loans\nPossible borrowers may take advantage of making several evaluations before purchasing that loan from Lending Club or any other lender that is online however. Like Lending Club, numerous online loan providers provide quotes immediately without inside your credit. Head up to our startup loans review category to know about your other options that are potential.", "label": "Yes"}
{"text": "Jobs in Bradford\nBroaden your search\nRefine your search\nFound 9 jobs\nBMB Clothing are looking for a Financial Accountant to join their team in Leeds.\nAxon Moore are delighted to be working with a highly regarded business in Bradford, to recruit a Commercial Finance Analyst. The role will produc...\nAxon Moore are currently recruiting a Management Accountant on a 6-month fixed term contract for a household name in Bradford. Reporting to the Fi...\nFinance Administrator, Our client is a leading provider of technology-led, outbound and inbound Secure and Essential Communication...\nTrainee Assistant Accountant Bradford £19-24,000\nTrainee Management Accountant Bradford £24-27,000\nPermanent - Finance Business Partner - Bradford Finance Business Partner £39,000 + company car + bonus + 28 days holiday + statutory allowance Br...\nElevation Senior Finance are currently looking to recruit a Financial Controller for a Manufacturing organisation based in Bradford. Reporting to t...\nI am looking to recruit a Commercial Analyst to support the senior finance team with income monitoring, forecasting and reporting.", "label": "Yes"}
{"text": "White House Market uses Monero, a cryptocurrency designed to safeguard the privacy 2021 darknet market (@DarkDotFail) January 14, 2021Why Dark Net. Dark Web Link. Black MarketMod. YOU'VE BEEN INVITED TO JOIN A SERVER. Title. Aiden heads to Old Spitalfields Market, part of Clan Kelley's territory. Status: Active. White House Market Is now one of the biggest DarkNet Markets, and the only one that only accept Monero since it focuses on. Largest Dark Web reddit darknet markets 2021 Black Market Sites Shut Down The two Mark Turnage White House Market also has limited services to offer in. The anonymity of bitcoin has led the dark web market to flourish. This cryptocurrency enables sellers and buyers to execute a trusted. Mar 26, 2019 In 2013, Silk Road founder and darknet drug emperor Ross fireworks White House Market is a Multi-Sig darknet market without user wallets.\nWhite House Market became one of the largest and most active darknet markets after Empire Markets, another such top marketplace, which went. - Donna Noce, President. White House Black Market began as two small Baltimore, Maryland neighborhood boutiquesThe White House, opened in 1985. Nov 15, 2020 Dark Net market Forums Dread Forum. com reviewed White House Market (WHM) in January, the site had 6,000 listings. Researchers surveyed three major dark web marketplaces: The Canadian HeadQuarters, Empire Market and White House Market, sorting all. White House Market's decision to close down has since created ripples across dark web marketplaces and forums as users rushed to express. Ross Ulbricht: a former darknet market operator convicted of creating and In this game, players explore black and white corridors while listening to.\nThe prominent darknet marketplace, White House Market, has dropped bitcoin payments and now accepts monero only. The darknet marketplace administrators. 3 days ago empire market darknet der russian darknet market ddp samsara darknet market kzc reliable darknet markets mir cannazon link lkt cartel. Ross Ulbricht: a former darknet market operator convicted of creating and In this game, players explore black and white corridors while listening to. Score. Dark Web Popular Medication Darknet Markets Flourish as White House. You probably never heard of the White House market. Like other torrez market dark. While Hydra primarily serves only Russia, such marketplaces as White House Market, Dark Market, and others can work and have many customers. Darknet Giant White House Market Drops Bitcoin, Supports Monero Payments Only. In the darknet market scene, most markets usually run away.\nThe darknet markets that use the currency would be a huge catalyst for the First, the main market, White House, now only accepts Monero as a method of. White House Market PGP Key: -----BEGIN PGP PUBLIC KEY BLOCK----- Darknet Markets. White House Market Show URLs Versus Market Show URLs. The anonymity of bitcoin has led the dark web market to flourish. This cryptocurrency enables sellers and buyers to execute a trusted. The White House is considering awide ranging oversight of the cryptocurrency market to combat the growing threat of ransomware and other. WhiteHouse Market SpecificInfo. Check the current uptime status of White House Market and see its onion mirror links. The outstanding darknet. Dark web deep web url=darknet markets/url darknet markets. Cannazon Market reddi. (#bitbazaar) 2.(#white house market) 3.(#empire market) 4.(#the majestic.\nWhite House Market became one of the torrez market link largest and most active darknet markets after Empire Markets, another such top marketplace, which went. 6 days ago The volatile NFT market means half the top 10 is new since we checked in Following in the footsteps of the two biggest auction houses. White house market is a secure darknet market built from scratch. It is a privacy centric market with enforced pgp requirement. Whm is one of the few dark. White house market website stands on no 3 on the dark web, including 10k products with 1k trustful vendors, established since 2016. For accessing the market. 6 days ago tor market bew cartel link nrp darkc0de scq darknet market status icn valhalla darknet market eam asap market darknet sox empire darknet. The White House Market is a relatively new addition to the darknet scene. And not only is it new, but it also has its own brand and image.\nHow To Access Darknet Markets\nGenerally, when a program is operating in white house market darknet the runtime phase, the application is utilizing Random Access Memory (RAM). Bitcoin, such that a single Bitcoin wallet can be associated to multiple addresses. Policies, procedures, and training that were written for the workplace will need to be adapted to home and other off-campus environments. Search or use up and down arrow keys to select an item. Periodically the escrow funds are replaced with fresh coins from Chaumian CoinJoin. Mark Graham talks about the costs and benefits of digital freelance work. The purpose of this survey, which is open to anyone residing in the UK over the age of 18, is to determine the impact that the COVID-19 pandemic, and corresponding restrictions, have had on buying illegal substances.\nMidland city will only cater to the needs of buyers and not vendors, as it’s a marketplace run by an individual darknet vendor who doesn’t allow other vendors torrez market darknet to sell on the marketplace. Software or robot find great deals on new items shipped from stores your... Today if you want to buy some forbidden stuff -any kind torrez market darknet of drugs, you need to go to the DarkNet. The documentary follows the events surrounding bitcoin, the politics of the dark web, and Silk Road before it was shut down by the FBI.", "label": "Yes"}
{"text": "The IGC (International Grains Council) has projected 2020/21 world wheat production to be 28.3 billion bushels. Higher wheat production is projected in India, Russia, Kazakhstan, and Australia. Lower wheat production is projected in the United States.\nThe USDA projects the 2020/21 wheat marketing year (June 1 through May 31) wheat price to be $4.90 compared to $4.55 for the 2019/20 marketing year. The weighted average (adjusted by percent of wheat sold by month) Medford, Oklahoma, wheat price (June 2019 through February 2020) is $4.27. The weighted average Perryton, Texas, price is $4.21.\nAt USDA’s 96th Annual Agricultural Outlook Forum (www.usda.gov/forum), 2020 U.S. wheat production was projected to be 1.836 billion bushels compared to 1.920 billion in 2019 and a 5-year average of 2.005 billion bushels.\nUSDA/NASS’s January Winter Wheat and Canola Seedings report estimated hard red winter (HRW) wheat seeded acres to be 21.8 million acres compared to 22.7 million acres for the 2019 wheat crop (down 4%). All wheat-seeded acres were projected to be 45 million compared to 45.2 million acres for the 2019 harvest.\nOklahoma and Kansas wheat-seeded acres were projected to be the same as for 2019. Texas seeded acres were projected to be 9% higher. Colorado and Montana’s seeded acres were projected to be significantly lower than for 2019.\nU.S. soft red winter (SRW) wheat seeded acres were projected to be 8% higher than for 2019. Lower U.S. HRW wheat seeded acres relative to higher U.S. SRW seeded acres may imply that the price spread between SRW and HRW wheat may decline. At this writing, the SRW July wheat contract price is 63 cents higher than HRW price.\nWith a projected 140-million-bushel reduction in 2020/21 U.S. beginning wheat stocks, an 84-million-bushel reduction in 2020 U.S. wheat production, and a 26-million-bushel reduction in total U.S. wheat use, 2020/21 U.S. wheat ending stocks are projected to be 777 million bushels. A 163-million-bushel reduction in ending stocks resulted in a 35-cent increase in the projected 2020/21 average annual price ($4.55 to $4.90).\nBlack Sea exporters’ total 2020 wheat production may be 127 million bushels higher than in 2019/20. One report projected 2020 Ukrainian wheat production to be 948 million bushels, down 118 million bushels from 2019.\nRussian wheat production for 2020 is projected to be between 2.8 and 2.9 billion bushels, about a 150-million-bushel increase from 2019’s 2.7 billion bushels.\nKazakhstan’s 2019 wheat production was 423 million bushels compared to a five-year average of 528 million bushels. If Kazakhstan’s 2020 wheat production is average, the production increase would be 95 million bushels.\nAustralia’s 2020 wheat production is projected to be 783 million bushels compared to 557 million bushels in 2019. This increase should result in an additional 226 million bushels of wheat in the export market.\nDuring the 2014/15 wheat marketing year, U.S. wheat ending stocks were 752 million bushels, and the 2014/15 wheat marketing year U.S. average annual price was $5.99. The HRW average annual wheat price was $6.02.\nUSDA’s Outlook Forum projected 2020/21 wheat ending stocks to be 777 million bushels, which is only 25 million bushels higher than for 2014/15.\nReasons for a projected 2020/21 wheat marketing year average price of $4.90 compared to 2014/15 marketing year’s price of $5.99 may be that world wheat production is projected to be a record 28.3 billion bushels, 2019/20 world wheat ending stocks are projected to be a record 10.6 billion bushels, and the world wheat stocks-to-use ratio is projected to be a near-record 38.2%.\nHigher wheat production normally produces lower wheat prices.", "label": "Yes"}
{"text": "When will Yamaha launch the XMAX 125cc scooter in India?\nYamaha XMAX 125 cc scooter unfortunately would not be launched in India as Yamaha plans for a 150 cc scooter as most Indian scooter are limited to 125 cc and comparing these machines with them would make a bigger price gap, making them less practical for the masses. With 150 cc engine, Yamaha could easily differentiate between their new comer and the existing market of scooters in India. The 125 cc XMAX comes with 14.1 BHP and 11.94 NM of torque, making it good for a liquid cooled and fuel injected engine. Yamaha has planned for SMAX, which is a 150 cc scooter with more torque and slightly more power for a smooth ride.", "label": "Yes"}
{"text": "The team at Satellite Accounting are experienced business accountants who provide comprehensive accounting and taxation services for small, medium and large sized businesses. We believe effectively managing your tax affairs is an essential part of your business finance management therefore we not only provide tax solutions that meet your objectives but also ensure you get the best possible outcome.\nIts tax time. Papers are everywhere, you are running out of time or worse you are out of time! Let us take the stress out of tax time. We will work with you to save money by looking for additional deductions you may not be claiming, prepare paperwork and in-turn minimise worry.\nThe complex regulations and reporting requirements for Self Managed Superannuation Funds dictate the need for experienced staff. With the heavy penalties imposed by the ATO for non-compliance funds, our clients can relax and trust their fund will meet all the reporting requirements. We not only have the skills and experience to support our SMSF clients but we engage the services of an external auditor to provide a balance perspective at all times.\nAt Satellite Accounting we provide more than traditional accounting. With over 30 years’ experience, Satellite Accounting offers an experienced hand to assist with your financial report and taxation needs. Backed up by a team of experienced and qualified accountants our aim is to provide quality accounting and business advice to help sustain and grow your business.\nBusiness Tax returns\nHours Spent on Business Planning\nXero training sessions\nSubscribe to our monthly newsletter.", "label": "Yes"}
{"text": "Some people, specifically, those who are arguing to raise Bitcoin fees, have been using \"developing the fee market\" as a euphemism for artificially creating higher fees by restricting the supply of transaction slots (aka the maximum block size).\nLet me remind everyone that we already have an existing and very effective \"fee market.\" One does not \"develop the fee market\" by enacting measures that raise fees. The word \"market\" cannot be used as a stand-in for wanting higher prices.\nThe two phrases, \"developing the X market\" and \"wanting higher prices for X,\" are not equivalent. They do not even type-check -- they cannot be substituted for one another. If you want higher wheat prices, you need to argue for \"wanting higher wheat prices,\" not for \"developing the wheat market.\"\nBecause of Bitcoin's design, where a block is issued every 10 minutes with at most 1MB of transactions in it, transaction slots can become a valuable commodity. Fees control access to these slots .\nThere are lots of good reasons to want to keep block size on the smaller side, and thus to keep the fees artificially high.\nThe main reason is that most transactions on the network seem to be for activities that do not correspond to meaningful economic activities in the real world. People who push this argument typically make the case that these low-value transactions are for gambling, and that these gambling operations should just use a different mechanism other than the blockchain for their operations. In other cases, these payouts seem to be getting issued to Bitcoin miners, who are, in some sense, gamblers looking to make money by solving a cryptopuzzle, but in any case, these transactions do not corresponding to useful economic activity in the real world. Higher fees would force these people to seek alternative forms of payment, and free up the blockchain.\nA second reason is the concern over the cost of owning a node. The people who raise this argument rarely ever actually cite numbers, because the actual costs are somewhere between infinitesimally small and very small, but nevertheless, the argument goes as follows. If the maximum block size goes up by a factor of 10, storage and bandwidth costs can go up by a factor of 10, especially if some bad actors issue large amounts of spam transactions. Now, we do know of measures for detecting and stemming such spam attacks, such as performing flow analyses to see if they are coming from the same sources. But nevertheless, an increase in costs could yield a drop in the number of nodes that make up the Bitcoin network. Whether such a drop will actually happen, and whether we really need 6500+ nodes in the network, are all up for debate. But nevertheless, there is a valid cost concern, and there remains a quantitative argument to be made, though I have never seen anyone enunciate it properly.\nA third reason is that larger blocks may raise minimum cost to operate a node and cause some nodes to fall off of the network. The people who make this argument point to an outlier case, such as Luke-Jr's hash power behind a very slow network in Florida (for which we have only his word), and worry that we will lose nodes like his if we increase the size -- the minimum required resources will just not be available. This argument is perfectly valid, and making it properly involves specifying and committing to a \"minimum viable platform.\" It also requires characterizing the resources available to the current set of full nodes. Without an MVP-specification and node characterization, there is nothing to stop us from torquing the protocol to support wristwatches on the Sahara.\nWhat is not a good argument is that \"we don't have experience with what will happen when the fee market develops, and it will have to develop eventually, so let's hasten the day.\" I do not have experience with my old age. I do not go around artificially inducing osteoporosis  to get ready for my old days -- instead, I make the best of my working days when I'm blessed to have a working skeleton.\nPlease stop with this practice of using the \"developing the fee market\" euphemism. It is disingenuous and reflects badly on those who engage in it.\nThe debate will be much clearer if you can explicitly name the outcome you want, and then build a logical argument for that outcome. Everything else is just rhetoric.\n|||There are some slots that are reserved for very high priority transactions, and the rest are typically allocated to the highest-paying transactions.|\n|||The first version of this sentence was \"I do not go around artificially disabling my liver\" but then I realized it was neither accurate nor would it resonate with the audience.|", "label": "Yes"}
{"text": "Federal Funding Sources\nA competitive/discretionary grant awards funds on the basis of a competitive process.\nThe applicant must design the proposal, and the funding department will review and rank the proposals. The review procedure gives the department the option to determine which applications best address the program’s purpose and requirements, and are therefore most deserving of funding.\nFederal Entitlement Programs allocate funds from the US Department of Education to State Education Agencies, which are in turn distributed to school districts.\nNon-Competitive (Federal Entitlement) Programs:", "label": "Yes"}
{"text": "After acquisition, Marlin immediately went to work looking for production cost changes they could make in terms of cost savings time and manufacturing processes in order to lower production costs, increase production, and be able to produce the Smith profitability. I don't recall the first reference I read regarding changes in case the hardening processes; but the information I published as part of the Charles Jarred story came directly from a personal friend of Charles Jerred, Ken Sweet, and Mr. Jerred's widow and son. When Mr. Jerred began work at Hunter Arms he was assigned to the hardening department; an accident there with cyanide burned his eyes and he was temporarily blinded. The company contacted his wife (the Jerred family lived in Fulton and had no automobile); and Mrs. Jerred walked to the gunworks, took Charles by the hand and lead him home like a little child. Ken told me that Marlin had changed to the cyanide process because it was faster and cheaper; and that it took them some unknown amount of time to perfect the new hardening process, as their first efforts resulted in brittle frames. Certainly some of the early guns would have been finished and shipped from inventory on hand, and early production guns charcoal hardened as Marlin's changes were implemented; so I have no effective change date, but will continue to rely on the Jerred's and Mr. Sweet's first hand accounts. But one thing's for sure, whatever changes Marlin made were very successful, as an average of better than 13,000 Smith guns were produced annually under Marlin's tenure; and prior to Marlin, only twice had Hunter Arms production exceeded 13,000 guns in one year.", "label": "Yes"}
{"text": "The paper check-off panel is a group of industry executives representing the various grades of paper and paper-based packaging, formed to shepherd the industry-initiated effort to establish a paper and paper-based packaging promotion, research and information program. Us treasury requires electronic federal benefit payments if you still receive a paper check for your social security or other federal benefit payments, you are out of compliance with the law. Welcome to the national soybean research database soybean growers have invested in a wide array of research projects funded by state soybean checkoff organizations, the north central soybean research program, and the united soybean board that focus on soybean production, developing new soybean uses, and other initiatives to improve crop yields and sustainability. The paper industry voted overwhelmingly to create the paper and paper-based packaging promotion and research program (paper check-off) in the november referendum the publication of the final rule now puts in motion the steps to create the program.\nTurnitin provides instructors with the tools to prevent plagiarism, engage students in the writing process, and provide personalized feedback. Federally funded preschool and family support program for low income families works in partnership with local communities. Check your us health care policy to see if it will cover you overseas if not, consider buying supplemental insurance make sure the insurance you purchase covers any special medical needs or risks you anticipate on your trip. Since 1966, congress has authorized 22 industry-funded research and promotion (r&p) boards to provide a framework for agricultural industries to pool their resources and combine efforts to develop new markets, strengthen existing markets and conduct important research and promotion activities.\nGive your paper a strong advantage by having it written by a professional with a diploma and a couple of years of practice perfect formatting, editing, and a captivating plot are all guaranteed all the papers you get from payforessay are meant for research purposes only. Formatting a research paper if your instructor has specific requirements for the format of your research paper, check them before preparing your final draft when you submit your paper, be sure to keep a secure copy. The check is no good, even though it appears to be a legitimate cashier's check the lottery angle is a trick to get you to wire money to someone you don't know if you were to deposit the check and wire the money, your bank would soon learn that the check was a fake.\nPaperrater uses artificial intelligence to improve your writing includes grammar, plagiarism, and spelling check, along with word choice analysis and automated grading. Since the program's founding in 1994, more than 1 million americorps members have contributed more than 14 billion hours in service across america while tackling pressing problems and mobilizing more than 23 million volunteers for the organizations they serve. For example, you might need to provide a voided check for setting up direct deposit, or you might have a one-off situation that requires a paper check banks usually offer small quantities of checks with your account information printed on them for a small fee. Sider a check-off program include the opportunity to improve business conditions, grow the market, secure stable funding and eliminate free riders, develop new products and applications, reduce costs, consolidate.\nThe bad check restitution program must respond to you within 30 days or drop the case file a complaint with the cfpb: you may be able to resolve the issue without taking legal action if you believe that a debt collector has misrepresented itself or violated your rights, file a complaint with the cfpb. A checklist is a structured form or questionnaire for collecting and analyzing data this is a generic tool that can be adapted for a wide variety of purposes collecting and analyzing data is important for identifying and understanding problems and thus making appropriate changes to solve these problems. Papercut ticked every box and then some and slotted perfectly into our network environment papercut is a huge time-saver - with easy access straight from the desktop, it maintains all of our print management accounting for us and provides excellent print security. The usda has published a proposed rule for the paper and paper-based packaging promotion, research and information order, also known as the paper check-off program. The paper check-off will build a promotional program to showcase the positive attributes of our products the paper check-off was initiated by a panel of industry leaders and approved by the companies through a usda referendum.\nThe program will assist agencies in lowering the high cost of insurance, reducing the number of unplanned outages and extending the life of the state's boiler and machinery equipment and all other equipment. The behavior education program: a check-in, check-out intervention for check-in, check-out form: elementary school version student name paper pencil notebook. Grammarly's online proofreader adapts to whether you need to proofread an academic paper, a business cover letter, a casual email, or even a novel. You may choose to use a checklist for each type of industrial truck in your workplace or compile one that can be used for any type of truck refer to the owner's manual, specifications and manufacturer's recommendations to modify the checklist for trucks being operated in your workplace.\nShop office depot and officemax for low prices on office supplies, office furniture, paper, ink, toner, electronics, laptops, services, folders order online or pick up in store. Paper and paper-based packaging offers a renewable, recyclable products choice for our customers and consumers, and the paper check-off program would offer us a unique opportunity to make a sustained investment in telling our story in a targeted and positive way.\nThe paper and paper-based packaging board announces the selection of mary anne hansan as executive director of the paper check-off program hansan is a seasoned marketing and communications veteran who has overseen industry marketing initiatives for diverse industry categories including flowers, plastics and most recently canned tuna. Try our free checklist maker tool, or discover and use our free checklist templates, published by thousands of productivity experts from all over the world. A check register is a list of transactions in your bank account, along with a running balance that tells you how much money you have available to spendyou can use paper, apps, or spreadsheet templates to keep these records. Printable list in pdf format this selection of free printable lists includes to-do lists and checklists click any paper to see a larger version and download it.", "label": "Yes"}
{"text": "Urgently needed money for a new or used car?\nA car now has a very strong place in the everyday life of a human, as it is used every day to master the everyday challenges. How valuable a car can be, however, man usually not realizes until it is no longer available to him. Especially among young people, the importance of a vehicle is underlined again, because it is very common that a new job requires a certain mobility. But even if the vehicle gives up its spirit and a repair from an economic point of view does not seem more profitable man can quickly come to the thought ” urgently need money for a car!”. The only advantage of such a case for the person concerned is that the current loan-based loan arrangements are extremely favorable. Caution is advised, however, because there are pitfalls in the train of thought “urgently need money for a car”, which can be very expensive in the long run.\nNeed urgently money for a car – what is to be considered?\nThere are several variants to get the needed money for the vehicle. The problem urgently needs money for a car is basically not at all, as the Internet as a market for finance for each man holds the right solution ready. The crux is ultimately how fast the money is actually needed. If the affected person still has some time left with the purchase of the car, then an effective credit comparison of all available conditions should definitely be envisaged. This step is also recommended for short-term needs. The passage to the well-known major bank is in this case, however, less recommendable, since car financing here is usually a bit more expensive than a free bank. About the dealership, the vehicle can also finance, but this circumstance is really worthwhile only for new vehicles. For used vehicles, a comparison should be made of all available offers, as the most common used car dealers usually only work with a single bank through which they handle their vehicle financing.\nAs a rule of thumb, however, any person affected can hold for themselves that a comparison should be made in principle to save cash. Eventually, the conditions can even be improved by giving the old vehicle in payment. Many car dealerships also offer special financing for young people who are just beginning their professional lives. However, the terms should include a special payment and a full repayment without prepayment penalty.", "label": "Yes"}
{"text": "Source: Investment Update, Vietnam Investment Review, 14 November 2016.\nThe Vietnam Investment Review is reporting that, as of 20 October 2016, Australia has invested a total of USD1.745 billion of registered capital across 326 projects.\nLeading the FDI (Foreign Direct Investment) table is South Korea followed by Japan and Singapore, as per below:\n- South Korea: USD50.2 billion (5,584 projects)\n- Japan: USD42 billion (3,229 projects); and\n- Singapore: USD37.7 billion (1,758 projects).\nIn terms of FDI into Vietnam from 1 January – 20 October 2016, Australia invested in 27 new projects for a combined amount of USD90.68 million. Expanded capital for the same period was USD 113.6million.\nAustralia’s rate of investment per project is one third of average\nIn total, Australia’s average rate of investment per project was USD4.57 million which is one third (34.7 per cent) of the national average of USD13.14 million.\nFor more statistics on the bilateral trade relationship between Australia and Vietnam, click here.\nOTHER NEWS ON THE AUSCHAM WEBSITE\nIn the toolbar of this website, click on “NEWS” for the drop down menu which includes:", "label": "Yes"}
{"text": "FlexiGrid Project Demonstrates Potential of Local Energy Storage and EVs for Grid Services\nThe FlexiGrid project’s demonstration of flexibility measures and grid services has shown that local energy storage and EVs have great potential for providing valuable grid services. Effective communication architecture between flexible assets, energy management tools, and IoT platforms is crucial for achieving this goal. Learn more about how the FlexiGrid project is paving the way towards a more resilient distribution grid that leverages local resources for greater sustainability.\nWebinar: Policy development and value of increased local flexibility\nOngoing policy and legislative change offer both challenges and opportunities of increased flexibility in local electricity network. Learn more...\nFlexiGrid Project Successfully Demonstrates Centralised Energy Market Using IoT\nThe FlexiGrid project, funded by the European Union’s Horizon 2020 research and innovation program, has successfully demonstrated the potential of IoT in enabling a centralised energy market. The project’s Task 6.3, led by experts from Chalmers University of Technology and RISE, aimed to improve the design of two markets and demonstrate them in real-life using a local IoT platform.\nUnlocking Grid Flexibility with Smart Management\nFlexiGrid project completes successful demonstration activities for providing grid flexibility with electric vehicles and stationary batteries. Read more about the outcomes and test cases carried out.\nBulgarian demo ready to launch\nWe want to share a short update about two project partners, Entra Energy and Energo-Pro, who are busy preparing the activities of the Bulgarian demo case.\nStrategies for increased flexibility in the electricity grid\nFlexiGrid has studied which barriers DSOs face and which strategies can be used to create the conditions for more innovation.\nFlexiGrid brings opportunities to the Bulgarian energy market\nVerzhinia Ivanova from Entra Energy’s bachelor thesis ‘New opportunities on energy markets by the example of FlexiGrid’.\nConsortia meeting in Sion\nThe FlexiGrid partner HES-SO University hosted the consortia meeting in Sion, Switzerland in December 2022. Focus of the meeting, as the project is...\nTowards more flexibility in future electricity markets\nLocal electricity markets where you get paid to be flexible is one way of contributing to solving the energy challenges of the future.The increased...\nFlexibility and Energy Management part of solving Europe’s energy crisis\nThere will be 1 million electric vehicles on Turkey's roads by 2030, and studies show that electricity demand by 2030 will be met if the policies...\nVideo: Flexibility in the Swiss alps\nWatch researcher Jessen Page, HES-SO, explain how his group develops flexibility services for the local grid owner.\nFlexiGrid presented at the PSCC 2022 conference\nLocal flexibility services reduce the transmission system’s operation and investment costs even in the absence of TSO-DSO coordination, as long as local flexibility was procured by the DSOs to reduce the peak power cost of their distribution grids.\nA typical flexibility service procurement deal\nEnergo-Pro, one of the three biggest DSOs in Bulgaria, will be choosing around 20 participants producers, prosumers and consumers, connected to its network. We have listed the typical stages of a flexibility deal.\nSmart meters make Bulgarian energy consumers flexible\nConsumers of electricity can provide important flexibility to the power grid during peak-hours. By connecting a smart meter the consumers get access to a flexibility market provided by FlexiGrid.\nWebinar in Swedish: Flexible grids, obstacles and solutions\nHorizon 2020 projects FlexiGrid and Coordinet collaborate in this webinar about the major obstacles that flexibility markets face. This webinar is in Swedish.\nFlexiGrid’s Swedish demo site\nThis spring we started the demonstration phase at FlexiGrid’s demo site at Chalmers University of Technology in Gothenburg, Sweden. The site is owned by Akademiska Hus and developed by them in collaboration with Chalmers. In the video Chalmers researcher David Steen gives an update.\nEflex – the trading platform\nLearn about the Eflex platform, FlexiGrid’s trading platform enabling flexibility for the power grid.\nWatch our webinar about congestion forecasting\nWatch our webinar about congestion forecasting. In this webinar the Horizon 2020 projects FlexiGrid and BD4OPEM collaborate and present their findings regarding congestion forecasting.\nSell your car’s power when you don’t need it\nIn FlexiGrid’s Turkish demo case, the electrical vehicle is used as an asset to limit the potential congestion-related problems in the future and provide flexibility in the local distribution network.\nFlexiGrid’s IoT platform integrates V2G\nThe IoT platform is at the core of FlexiGrid, connecting all the technology developed in the project. Controls and monitors the flexibility that the electric vehicle can provide.\nEase peak-hour with flexibility\nCurrently, within the scope of the FlexiGrid project, a demo-area to test energy flexibility services is being built in Switzerland, led by HES-SO.\nThe role of flexibility in the energy transition\nThe energy system is transforming from traditional to cleaner energy sources. With new technologies, this leads to changes. Turmoil in the energy markets and the record\nBuildings provide flexibility at Akademiska Hus pilot-site, Sweden\nWith an increasing demand for electricity, flexibility services become an important part of the green transition towards fossil-free energy....\nFlexiGrid webinar on flexible markets\nIn this webinar you learn about the possible flexible markets developed by the FlexiGrid project.\nLocal energy markets simplified in Sweden\nThe establishment of local energy markets is simplified following an amendment to the Swedish ordinance on exemptions from the requirement for network concessions.\nVehicle-2-Grid at FlexiGrid’s Turkish pilot\nOEDAS is preparing for future scenarios and new business models in the electricity distribution network. In parallel with the increasing number of...\nWhy DSOs need an IoT platform\nThe increasing amount of prosumers, citizens and organisations both consuming and producing electricity for the grid and providing flexibility from...\nFlexiGrid part of Swiss Campus Energypolis\nEnergypolis in the middle of the Swiss alps is a new innovative campus area that is just being built with a focus on energy innovation. It is also...\nFlexibility in the Gothenburg grid\nOur demo site located in Gothenburg develops tools and experience for grid monitoring, control and flexibility intervention and also a local energy...\nAkademiska Hus’ buildings bring flexibility to the fossil-free energy system\nAs part of the EU-project FlexiGrid, new ways of implementing flexibility technology are currently being tested at Campus Johanneberg in Gothenburg, Sweden. Its area and infrastructure have all the properties of a small city, says Per Löveryd, at Akademiska Hus.", "label": "Yes"}
{"text": "Advantages of Availing Our Help with Your Environmental Economics Homework\nOur primary goal is to assist you in achieving academic success while gaining a deeper insight into the crucial intersection of economics and the environment. Whether you're struggling with research, analysis, or calculations, or simply need guidance in completing your homework, our service offers comprehensive support.\n- Comprehensive Topic Expertise: Benefit from our proficient economics experts covering a broad spectrum of environmental economics subjects, including environmental policy, resource management, sustainability, and cost-benefit analysis.\n- Homework Support in Environmental Economics: Receive comprehensive support in tackling homework, ranging from research and analysis to calculations and problem-solving in the realm of environmental economics.\n- Authentic Environmental Economics Solutions: Obtain plagiarism-free homework solutions meeting rigorous academic standards, contributing to your learning experience.\n- Fostering Academic Excellence in Environmental Economics: Our service is meticulously designed to aid you in excelling within the domain of environmental economics studies.\n- Guidance and Insight into Environmental Economics: Benefit from expert guidance providing deeper insights into the critical juncture of economics and the environment.\n- Timely Delivery of Environmental Economics Homework: We prioritize delivering homework within the specified timeframe, aiding you in managing deadlines effectively.\n- Tailored Environmental Economics Assistance: Address specific concept struggles or seek general support – our service caters to your unique academic needs.\n- Accessible and Affordable Environmental Economics Support: Our online service is easily accessible and offers budget-friendly solutions tailored to students.\nHire Us to Do Your Tough Environmental Economics Assignment\nThe experts associated with us have a solid background in environmental economics. They go above and beyond to provide excellent solutions regardless of the complexity of the homework. Our subject-matter professionals are well-versed in the core concepts and principles of this subject: Here is a list of some of the topics we can assist you with:\n|Challenging Topics in Environmental Economics\n|Dynamic Environmental Problems\n|In-depth understanding and analysis of dynamic issues like climate change modeling and intergenerational equity.\n|Proficiency in methods such as contingent valuation, hedonic pricing, and travel cost analysis, often challenging to grasp and apply.\n|Environmental Policy Analysis\n|Expertise in designing, implementing, and evaluating environmental policies, including cost-benefit analysis and regulatory impact assessments.\n|Natural Resource Economics\n|Assistance with topics like sustainable resource management, renewable and non-renewable resource economics, and optimal extraction.\n|Skilled in econometric modeling and statistical analysis related to environmental economics, including time series analysis and complex regression models.\n|Capable of handling environmental accounting methods like ecological footprint analysis and input-output analysis, requiring a deep understanding of economic and environmental data.\n|Environmental Ethics and Philosophy\n|Thoughtful insights and analysis for assignments exploring the ethical and philosophical aspects of environmental economics.\n|Environmental Economics and International Relations\n|Analysis of complex interactions between environmental economics and international relations, including global climate negotiations and trade agreements.\n|Environmental Economics and Behavior Change\n|Assistance in understanding and influencing individual and collective behavior for sustainable environmental outcomes.\n|Environmental Economics and Technological Innovation\n|Insights into the relationship between environmental economics and technological innovation, including the role of innovation in addressing environmental challenges.", "label": "Yes"}
{"text": "The TS segment provides IT staffing and technology solutions and products under the Magna Infotech, Brainhunter, Mindwire and MFX brands. We provide a comprehensive range of IT and ITeS related staff augmentation and consulting services in India, South East Asia and North America. Our sophisticated datacenters at Ridgefield Park, New Jersey and Roanoke, Virginia are SSAE 16 SOC1 Type II compliant facilities, and are strategically located in different regions in the United States to ensure disaster recovery protection and meet applicable regulatory requirements. We own and operate offshore delivery and development centers in Chennai and Bengaluru in India.\nOur TS business includes over 1,150 core employees and 8,900 associate employees serving over 300 clients. Our key clients in the TS segment include four Fortune 50 clients ranked in the Fortune 500, 2015 list, large internationals banks as well as large Indian IT consulting and systems integrator companies.", "label": "Yes"}
{"text": "Moving your company to a new location typically implies that you are expanding defied the circumstances and stress. You have managed to make your expenditure, it is starting to pay off, and now you are growing your business by relocating to a different apartment or shop to expand even more.\nOutsourcing the removals to Amsterdam of a reputable moving company will provide you with the necessary protection to keep your company running smoothly throughout this period of change. A business moving firm has the knowledge and people to ensure the transfer is secure, whether you have equipment storage, sensitive and fragile products, or half-finished projects that need to be processed.\nRequest two to three references from the mover for previous moves they have completed for firms comparable to yours. Several movers that represent themselves as business movers essentially undertake residential relocations. These firms will not be able to provide references for similar enterprises that they have recently relocated to. Requesting relocation references will undoubtedly assist you in separating the fakers from the experts.\nPlease inquire with the mover about issuing an Insurance certificate on their business insurance policy, naming your firm and the property manager as additional insured. This gives important coverage against property damage and workers’ compensation payments. This is a very popular suggestion. If the operator hesitates or rejects, he either has a bad safety record or lacks professional packing expertise and therefore should be ignored.\nA strategy for action\nAfter doing a pre-move assessment with potential movers, ask providers to present a clear plan of action as well as an estimated cost. The strategy should include details like how many vehicles, workers, and logistics support they will dedicate to your operation, how the transfer will go, and how long it would take from beginning to end. Do you think this is realistic, and does it satisfy my standards and outcomes?\nNet costs vs. hourly rates\nMake sure you are not exclusively concerned with hourly fees. Many organizations have chosen a mover based on an average hourly fee only to discover that the relocation took far longer than expected. This will result in a greater overall cost than if you used a more reputable and well-organized business moving firm. If a moving company’s quote appears to be too genuine, it most often is.\nYour employees will not be able to function at full potential if your firm is always in flux. You are losing revenue if your work capability is consistently hampered. From assessing the task, an expert commercial mover may determine a realistic time frame. While racing to meet the deadline might be risky, sticking to a schedule, or at the very least disclosing any delays, will be critical for your business’s transformation. Please inquire with the mover about how they deal with such situations and how often they arise.\nDuring your firm’s professional move, your moving company will make a big difference between stumbling and striding. When hiring an experienced mover, please keep track of it and search online.", "label": "Yes"}
{"text": "Harnessing cultural heritage as a rural development tool in Slovakia.\nProjects & Practice\nGlobal Eco – Inno Eco is a transnational cooperation project aimed at boosting the green economy and sustainable businesses in the participating rural areas.\nRefurbishment of a mountain path to stimulate economic activity and thus contribute to the revitalisation of the neighbouring rural areas.\nRestoring the production potential of damaged forests through clearing, afforestation and preservation of young forest stands.\nRestoration of a deteriorating forest road and the construction of a wooden lookout tower in order to protect 1500 ha of forest from forest fires.\nAn intervention supporting the sustainable management of forest resources, leading to improved economic performance.\nProtecting and promoting traditional vegetables can lead to increased incomes for farmers and environmental benefits for society.\nA Slovak state enterprise used EAFRD funding to plant new forest seedlings and develop a forest road for maintenance activities, strengthening the forest’s sustainability.\nA cork producing business confronted high production costs due to increasing cost of raw materials. To tackle this the company used EAFRD support to restore its own forest and improve its productivity.", "label": "Yes"}
{"text": "News and Media specifically aimed at, by or for the UK business community. News and media in this context includes printed newspapers, journals and magazines, as well as ezines.\nBreaking news along with features including Money Guides and questions and answers. Audio and video clips and online programmes.\nAdvice and problem solving articles, buyers’ guides, case reports, CFA bulletin, flooring contractor profiles, diary of events, and installation of the month.\nMagazine for design engineers. Includes extensive magazine archives, product search facilities and industry and technology news.\nProvides a guide for British people doing business in Europe. Includes editorials, business, finance, news review, business travel and lifestyle, property and events.\nNational and world business news, analysis and comment. Includes market and investment reports, Citywire breaking news, and Business Monthly for entrepreneurs and small businesses.\nFinancial news, reports and analysis for the global textile industry. Includes registration, subscription information, and sample download.\nOffers a range of business information, articles, news and advice.\nPublishes a range of industry specific titles. Includes links to information about each one.\nA news service covering how ideas get from lab to market. With a network of leading journalists and scientific institutions, the company reports on technology, licensing, and spin-off investment.\nMagazine for signmakers, engravers, screen and digital printers. Published bi-monthly, the magazine covers the latest news, products and services relevant to the sign making industry.\nA regional publication for the pub, club, hotel, restaurant and licensed trade.\nProvides news, information about UK franchise opportunities and guidance features for both franchisors and franchisees.\nIncludes breaking news and online share prices plus analysis and comment, market indicators, Explained background features and links to Special Reports.\nNews, analysis and comment from the Sunday newspaper.\nCompany and industry news archive, organised by company name.\nThanks to DMOZ, which built a great web directory for nearly two decades and freely shared it with the web. About us", "label": "Yes"}
{"text": "In today’s fast-paced world, managing debt has become a critical aspect of maintaining financial stability and achieving long-term financial goals. Debt, when left uncontrolled, can quickly spiral into a burdensome cycle, causing stress and hindering financial growth. This outline aims to provide practical strategies for consolidating loans and regaining financial control, empowering individuals to take charge of their financial well-being.\nUnderstanding Debt and Its Types\nA. Differentiating between good debt and bad debt:\n- Definition of good debt: Debt incurred for investments or assets that have the potential to appreciate in value or generate income, such as student loans (leading to better job prospects), business loans, or mortgages.\n- Definition of bad debt: Debt accumulated for non-essential expenses or depreciating assets, like high-interest credit card debt for luxury purchases or vacations.\nB. Identifying various types of debt:\n- Credit Card Debt: Unsecured debt with high-interest rates, often used for daily expenses or emergencies.\n- Student Loans: Loans taken to finance education, available at varying interest rates and repayment terms.\n- Personal Loans: Unsecured loans with fixed interest rates, used for various purposes.\n- Auto Loans: Loans for purchasing vehicles, secured by the car itself.\n- Mortgages: Loans for buying real estate, secured by the property.\n- Medical Debt: Debt accrued due to healthcare expenses.\n- Payday Loans: Short-term, high-interest loans, usually due on the borrower’s next payday.\n- Business Loans: Loans taken to finance business operations or expansions.\nC. Analyzing the current debt situation:\n- Gathering all debt-related information: Listing outstanding debts, lenders, interest rates, and monthly payments.\n- Calculating total debt: Adding up all debts to determine the overall debt burden.\n- Reviewing debt history: Identifying any missed payments or delinquencies affecting credit scores.\n- Understanding debt-to-income ratio: Assessing the ability to manage current debt based on income levels.\nAssessing Financial Health\nA. Creating a budget to understand income, expenses, and debt obligations:\n- Tracking income: Recording all sources of income, including salaries, bonuses, freelance work, or rental income.\n- Itemizing expenses: Categorizing and listing all monthly expenses, such as rent/mortgage, utilities, groceries, transportation, entertainment, and others.\n- Identifying discretionary spending: Recognizing non-essential expenses that can be reduced to free up funds for debt repayment.\n- Analyzing cash flow: Comparing total income with total expenses to determine available funds for debt repayment.\nB. Calculating debt-to-income ratio and understanding its significance:\n- Defining debt-to-income ratio: The ratio of total monthly debt payments to gross monthly income, expressed as a percentage.\n- Ideal debt-to-income ratio: Generally, a lower ratio (e.g., 36% or less) is preferable, as it indicates better ability to manage debt.\n- Impact on borrowing capacity: Lenders use this ratio to assess an individual’s creditworthiness and eligibility for new loans.\nC. Reviewing credit score and credit report for potential improvement areas:\n- Obtaining credit reports: Requesting free credit reports from major credit bureaus to review credit history and account information.\n- Checking for errors: Ensuring that all reported information is accurate and disputing any inaccuracies found.\n- Understanding credit score factors: Identifying key factors influencing credit scores, such as payment history, credit utilization, length of credit history, and credit mix.\n- Implementing credit-building strategies: Developing a plan to improve credit scores over time through responsible credit use and timely payments.\nD. Assessing emergency savings:\n- Importance of emergency funds: Understanding the significance of having savings to cover unexpected expenses and avoid relying on credit in emergencies.\n- Setting savings goals: Determining an appropriate amount to save as an emergency fund (e.g., three to six months’ worth of living expenses).\n- Incorporating emergency savings into the budget: Allocating a portion of income to build and maintain the emergency fund.\nDebt Consolidation Options\nDebt consolidation is a strategic approach that allows individuals to combine multiple debts into a single, more manageable loan or payment plan. By simplifying the repayment process, debt consolidation can help borrowers regain control over their finances and potentially reduce overall interest costs. Here are various debt consolidation options to consider:\nA. Debt Consolidation Loans:\n- Definition: Debt consolidation loans are personal loans obtained from banks, credit unions, or online lenders to pay off existing debts.\n- How it works: Borrowers use the proceeds from the consolidation loan to repay all outstanding debts, leaving them with a single loan and one monthly payment.\n- Simplified payments with a fixed interest rate and term.\n- Potential for lower interest rates compared to credit cards and other high-interest debts.\n- Requires a good credit score to qualify for favorable loan terms.\n- May incur origination fees or prepayment penalties.\nB. Balance Transfer Credit Cards:\n- Definition: Balance transfer credit cards allow individuals to transfer existing credit card balances to a new card with a lower or zero percent introductory interest rate.\n- How it works: Borrowers consolidate credit card debt onto the new card, typically with a promotional period of low or no interest.\n- Potential for interest-free payments during the promotional period.\n- No need for a separate loan application process.\n- Introductory rates are temporary; higher interest rates apply after the promotional period.\n- Balance transfer fees may apply, usually a percentage of the transferred amount.\nC. Home Equity Loans or Lines of Credit:\n- Definition: Home equity loans and lines of credit allow homeowners to borrow against the equity in their homes.\n- How it works: Homeowners use their property as collateral to secure the loan, which can be used to pay off existing debts.\n- Lower interest rates compared to unsecured loans or credit cards.\n- Interest on home equity loans may be tax-deductible in some cases.\n- Puts the home at risk; failure to repay the loan may lead to foreclosure.\n- Closing costs and fees may apply.\nD. Debt Management Plans (DMP):\n- Definition: DMPs are offered by credit counseling agencies to help individuals repay their debts through structured payment plans negotiated with creditors.\n- How it works: Borrowers make a single monthly payment to the credit counseling agency, which distributes the funds to creditors according to the negotiated plan.\n- Simplified payments and potentially reduced interest rates.\n- Guidance and support from credit counselors.\n- Requires commitment and discipline to complete the plan.\n- May impact credit scores during enrollment.\nManaging debt and regaining financial control are essential steps towards achieving long-term financial stability and freedom. The journey to debt freedom requires discipline, commitment, and informed decision-making. By following the strategies for consolidating loans and taking charge of their financial well-being, individuals can pave the way to a brighter financial future.", "label": "Yes"}
{"text": "The Effect of Regulatory Constraints on Fund Performance\nNo Thumbnail Available\nA1 Alkuperäisartikkeli tieteellisessä aikakauslehdessä\nReview of Finance\nAbstractThis article examines the effect of regulatory constraints on fund performance andrisk by comparing conventional and UCITS hedge funds. Using a matching estima-tor approach, we estimate the indirect cost of UCITS regulation to be between 1.06%and 4.05% per annum in terms of risk-adjusted returns. These performance differen-ces are likely to stem from UCITS constraints such as those governing eligibleassets, diversification, and short selling, and cannot be explained by differences inredemption terms or level of leverage. We confirm that our performance results arenot driven by management company characteristics, fund manager characteristics,or unobserved confounder bias.\nHedge fund performance, Mutual fund performance, Managerial skill, Regulation, Constraints\nJoenväärä , J & Kosowski , R 2021 , ' The Effect of Regulatory Constraints on Fund Performance : New Evidence from UCITS Hedge Funds ' , Review of Finance , vol. 25 , no. 1 , pp. 189-233 . https://doi.org/10.1093/rof/rfaa017", "label": "Yes"}
{"text": "(Akash Girimath – FXStreet)\n– Ethereum price has flipped the $1,700 resistance barrier into a support level, signaling a resurgence of bullish momentum.\n– With no hurdles in sight till $2,000, all ETH needs to do is stay above the $1,700 foothold.\n– A daily candlestick close below the $1,543 support level will invalidate the bullish thesis.\nEthereum price has done the unthinkable over the last 24 hours and flipped an important hurdle into a launching pad. All that’s left for ETH to do now is to maintain this momentum and rally to new hurdles.\nEthereum price makes best of the worst situation\nEthereum price walked the last mile after falling short of retesting the $1,700 resistance barrier on July 25 and July 28. However, it made sense for ETH to exhaust as it had rallied roughly 65% between July 13 and July 24.\nThe FOMC-induced rally seems to have had more to give. After a brief consolidation around the $1,600s, the Ethereum price triggered another run-up that not only retested the $1,700 hurdle but also pushed above it.\nThis is a significant development for ETH bulls with more upside on the horizon. But this optimism is dependent on how well the buyers can safeguard the newly flipped $1,700 support level.\nIn a bullish case, the $2,000 psychological level would be the next target, but this move could extend to a proper resistance barrier at $2,158.\nWhile things are looking good for Ethereum price, a breakdown of the $1,700 support level would reveal a blow-off top. In such a case, the declining momentum could drive ETH lower to revisit the $1,543 support level.\nHere, buyers will get another chance to trigger a rally. A daily candlestick close below this level, however, will invalidate the bullish thesis for ETH and potentially catalyze another crash to $1,080.", "label": "Yes"}
{"text": "What does a million dollars buy in Aussie capital cities?...\nWhat does a million dollars buy in Aussie capital cities?\nAUSTRALIA’S housing market downturn continued for the 11th consecutive month in August as access to credit tightened and interest rates began to creep up.\nNational dwelling values fell by 0.3 per cent over the month to finish 2.2 per cent below their peak in September last year, CoreLogic figures released on Monday show.\nSydney house prices have suffered the biggest declines, finishing August 5.6 per cent lower than a year ago. Conversely, Hobart house prices were up 10.7 per cent year-on-year.\n“Weaker housing market conditions can be tied back to a variety of factors, foremost of which is the tighter credit environment which has slowed market activity, especially amongst investors,” CoreLogic head of research Tim Lawless said in a statement.\n“Fewer active buyers has led to higher inventory levels and reduced competition in the market. Collectively, these factors have been compounded by affordability challenges, reduced foreign investment and a rise in housing supply.”\nFive of the eight capital cities recorded falls month-on-month, with only Adelaide, Darwin and Canberra eking out gains of 0.3 per cent, 0.1 per cent and 0.5 per cent respectively. Sydney was down 0.3 per cent, Melbourne 0.6 per cent, Brisbane 0.2 per cent, Perth 0.6 per cent and Hobart 0.1 per cent.\nThe median values in each city at the end of August were:\n• Sydney $855,287\n• Melbourne $703,183\n• Brisbane $493,922\n• Adelaide $438,466\n• Perth $454,007\n• Hobart $437,254\n• Darwin $439,718\n• Canberra $593,886\nCoreLogic said the result suggested spring selling conditions may be challenging as more properties came on the market.\nIt comes after Westpac last week became the first of the Big Four to begin raising interest rates out of cycle with the Reserve Bank, announcing a 14 basis point increase despite the official cash rate remaining on hold at 1.5 per cent.\nSuncorp and Adelaide Bank followed suit on Friday, but CommBank, ANZ and NAB have yet to do so. CoreLogic said the news would “send a chill through the housing market”, even though the lift was “only a minor adjustment to rates that have been at 50-year lows”.\nAdvertised stock levels are already 7.6 per cent higher than the same time last year, despite a 5.7 per cent reduction in “fresh” stock being added to the market.\n“The rise in inventory is simply due to a lack of absorption — with fewer buyers, homes are taking longer to sell and clearance rates have trended into the mid to low 50 per cent range,” CoreLogic said.\nMozo property expert Steve Jovcevski has tipped big falls in Sydney and Melbourne but modest gains elsewhere for the season. “It won’t be a positive spring overall for the Australian market,” he said. “It’s definitely not as good a year for investors as it was last year, but it’s probably the year of the first homebuyer.”\nA number of major banks have recently downgraded their forecasts for the Australian housing market. NAB predicts house prices will flatten in 2020, with a peak-to-trough fall of 6.5 per cent in Sydney and 2.5 per cent in Melbourne.\nANZ said it expects to see peak-to-trough declines of around 10 per cent in both Sydney and Melbourne in the same period. AMP Capital chief economist Shane Oliver believes Sydney and Melbourne will see declines of 15 per cent while the national average will fall by 5 per cent.", "label": "Yes"}
{"text": "THE DOG LINE\nThe Dog Line is an Australia-based pet care firm that offers a wide variety of dog collars and dog supplies for sale online.\nThe objective of The Dog Line behind spending AUD 10,000 per month on PPC ads was to drive website traffic and increase sales online. However, the results were extremely poor and taking it up from there was a huge challenge for us. The volume of conversion was poor and their CPA was high. Furthermore, they were unable to generate value from their conversions.\nA. Poor sales volume\nB. Low number of conversions and conversion rate\nC. High CPA\nD. Poor conversion value\nTo address the challenges and achieve greater results, we took the following strategies:\ni) Poor CTR-generating ads were replaced with the more relevant and optimized ones to drive increased traffic\nii) A/B testing the ad creatives on different devices to ensure better utilization of ad spending\niii) Testing different versions of landing pages to stay relevant and increase sales\niv) Better audience targeting to eliminate irrelevant traffic and drive more sales", "label": "Yes"}
{"text": "Sweden has the EU’s longest coastline and thus excellent conditions to make short sea shipping an important complement or even alternative to transportation by road and rail. This is particularly the case as the transport system on land is facing major challenges both in terms of capacity and the environment. Much of the freight which currently goes by land could be moved out to sea, thereby generating benefits for both the environment and congestion. However, this requires investments to be made in aspects such as improving rail connections with ports.\nToday’s infrastructure debate largely concerns road versus rail. The significance of shipping is not addressed to the same extent. At this year’s Almedalen week, CMP consequently took the initiative to hold a debate on precisely this issue – how short sea shipping can solve Sweden’s transport problem. Leading representatives involved in traffic issues from the respective sectors took part. They were in agreement that shipping has great potential, but disagreed on which methods are most suitable to strengthen shipping. These disagreements include ideological differences regarding the extent to which political means of control should be used to influence transport routes for freight.\nShipping has the lowest carbon dioxide emissions per kilometre and tonne of freight of all kinds of transport. There would therefore be much to gain in increasing the proportion of freight transported by sea.\nAmong other initiatives, in the autumn the Government will be presenting a maritime strategy for Sweden with the aim of strengthening Swedish shipping. This might elevate the importance of local shipping for the transport system to the level it deserves.", "label": "Yes"}
{"text": "EUROQUALITY has participated to the Info Day organised in Brussels on the 2016 call for proposals of the Biobased Industry – Joint Undertaking on the 21st April 2016. BBI-JU is a public private partnership between the European Commission and the Biobased Industry Consortium to foster the transition of economy into a biobased system. Learning from first calls, the 2016 version is characterised by a will to speed up in the implementation of the strategy to reach the program objectives in 2020. This translates in the enlargement of the call scope – e.g. Blue Growth – and strengthening interactions between value chains. The links with industry is also reminded as a strong expected outcome of proposals.", "label": "Yes"}
{"text": "Asda’s bid target stays silent amid talk of a £4.4bn takeover\nSome investors may have bought into the idea yesterday that one of the world’s biggest retailers was set to join the British corporate game of supermarket sweep, but there was, perhaps surprisingly, no rush for the aisles.\nInstead, the City gave a decidedly lukewarm response to reports that Asda — and its deep-pocketed parent Walmart — could be considering a £4.4 billion swoop on B&M European and its stable of “variety” homewares stores.\nShares in B&M rose almost 5 per cent to 357½p as investors and analysts debated whether Asda could be tempted to buy a discount rival that recently recorded its strongest first quarter for three years.\nB&M did not officially respond to the speculation and one arbitrage investor said: “The lack of a", "label": "Yes"}
{"text": "Yoon pushes for Xi’s visit to firm up ties with China\nEsports legend Faker seeks to lead Korean surge at Asian Games\nIncheon Airport passenger traffic to recover during Chuseok holiday\n[Hello Hangeul] The making of Korean language textbooks featuring BTS\nSeoul prepares for first major military parade in ten years\nOpposition leader Lee attends arrest warrant hearing at Seoul court\nKorea trade volume sees sharp drop among OECD members\n[Korea Beyond Korea] Early Koreanists 'on verge of extinction overseas'\nYoung swimmer enjoys self-fulfilling prophecy in gold medal-winning race\nChief justice seat at top court left vacant amid Assembly chaos\nTeachers' fund denies rumor of bitcoin ETF investmentBy Son Ji-hyoung\nPublished : Oct. 26, 2021 - 14:28\n“The KTCU has never reviewed an investment in a bitcoin-related ETF, and will never have a plan to do so,” KTCU said in a statement.\nThe remark came after it was reported that the KTCU, which is dedicated to promoting teachers’ welfare and financial benefits, was to become the first Korea-based institutional investor with exposure to cryptocurrency next year. The investment would have been seen as a surprise move considering the fund’s typically risk-averse approach to investing.\nAccording to the media report, KTCU‘s external manager based in Korea will create a bitcoin-linked ETF, to which the KTCU sought to allocate its capital, by the first half of 2022. The spot ETF product aimed to mimic the price movement of the world’s largest cryptocurrency by market cap.\nThe media report also indicated that KTCU was to determine the size of allocation in an upcoming investing committee.\nThe news came a week after a bitcoin-linked ETF -- ProShares Bitcoin Strategy ETF -- made a blockbuster market debut for the first time on the New York Stock Exchange Arca. Earlier this year, Canadian authorities approved the world‘s first bitcoin ETF in February.\nA Korean asset management house is yet to launch one.\nKTCU‘s assets under management has soared 10 percent in the past six months until June. The fund has exposure to stocks, bonds and alternatives, with its alternatives exposure standing at nearly 55 percent.\nAt military showcase, Yoon warns NK of collapse in case of nuclear attack\nIs S. Korea dangerous for women?\nBlinken says N. Korea-Russia military cooperation threatens global peace", "label": "Yes"}
{"text": "As others have mentioned, there are many factors entirely outside the school environment that effect a student's receptiveness when they are in school. Is their home life stable? Do their parents make sure they get enough sleep? Do they have a quiet place to study? What messages do they get from their parents about the importance of education (where I live many are intimidated by their children getting more education than they had)? I would love to see parents held more accountable for their children's success in school.\nGenetics, of course, enters into it. If teachers are paid based on the success of their students (similar to a sales commission), no one is going to want to teach special ed, where progress is often a struggle, and everyone is going to want to teach bright students with ideal home lives. It's not good for students (reinforces looking with ill-favor on slower students who could impact one's financial status) and why should a teacher be financially punished for working with more problematic, special ed students?", "label": "Yes"}
{"text": "QuadrigaCX Granted Respite with Creditors Held at Bay\nA Supreme Court judge has handed troubled Canadian cryptocurrency exchange QuadrigaCX a further six weeks’ protection from its creditors as it continues a frantic search for some USD 140 worth of missing cryptocurrencies.\nPer Canadian newspaper the Globe and Mail, the judge stated that creditors will have to wait until April 23 before they can bring legal action against the company, with some 115,000 customers affected by QuadrigaCX’s failure to locate their funds – which appeared to have vanished since the mysterious death of the exchange’s founder Gerald Cotten, late last year.\nMajor figures in the cryptocurrency industry have accused the company of attempting a cover-up.\nQuadriga lawyer Maurice Chiasson told the judge that the decision to grant the extension had needed to be made in order to prevent a “free-for-all” as lawyers close in on the beleaguered company. Chiasson argued, “We would see some lawsuits filed [if Quadriga were not granted an extension]. Such proceedings could be filed in multiple jurisdictions. They could be conflicting.”\nCotten’s widow, Jennifer Robertson, meanwhile, has asked the court that she be repaid USD 225,000 of her own money spent on legal costs as she forked out to help the exchange win protection from its creditors earlier this year. The judge said on Tuesday that the request – which per Bloomberg was protested by lawyers representing the creditors – would be deferred to another day. Robertson’s lawyer stated that she wanted to step away from the case as she felt she was “not versed” in cryptocurrency-related matters, and had rejected taking on a directorial role in the firm.\nThe same judge also approved the appointment of senior VP Peter Wedlake, of auditing firm Grant Thornton, as QuadrigaCX’s new acting chief restructuring officer.\nMeanwhile, south of the border in the United States, a city in New York has lifted a ban on crypto mining. According to media outlet WAMC, Plattsburgh’s city council voted 5:1 in favor of a motion to overturn an 18-month ban on new mining projects imposed in March last year by the city’s mayor.\nElectricity prices had been driven up across the board for local residents following a spike in mining activities in the area.\nThe CEO of a Plattsburgh cryptocurrency mining firm told the same media outlet, “The price of Bitcoin and cryptocurrencies in general has gone down substantially, but there is still some opportunity […] I think Plattsburgh will have some industry come in and this will be a great place for some data centers in the future.”", "label": "Yes"}
{"text": "How does the Biden Administration’s ESG rule differ from its predecessor?\nTim Hauser, Deputy Assistant Secretary for Program Operations of the Employee Benefits Security Administration (EBSA), tells American Retirement Association CEO Brian Graff that the new rule was careful not to go overboard and move in the opposite direction from the 2020 rule. The Biden Administration focused not on encouraging or discouraging ESG investment but rather on a “neutrality principle,” according to Hauser.\n“We’d given a number of examples of the kinds of investments that people could make,” he explained. “Some commenters said, ‘Look, that could be read as kind of going in the other direction from the 2020 rule, that maybe you’re doing too much to encourage those kinds of investments.’ That wasn’t the intent here. So, we took those examples out.”\nIn Graff’s exclusive interview, Hauser describes two fundamental points about ESG investments under the rule. Find out what they are in the following four-minute clip.\n- Log in to post comments", "label": "Yes"}
{"text": "With many options for traders to figure out how to follow trends on forex currency pairs as well as commodities and other instruments, the most trusted form would be to follow the charts. Traders that use charts are labelled as technical traders, who prefer to follow the accuracy of charting tools and indicators to identify peaking trends and price points as to when enter and exit the markets.\nWhile, there are the fundamental traders who prefer to follow news sources that offer actual information on economic growth, employment situations, political threats and interest rates.\nBullsEye Markets will guide you in reading price charts and predicting their accuracy while trading Forex and CFD online. To help you launch your trading career we will outline a few tips to assist you in understanding and reading charts.\nFirstly, one needs to know what a chart is before attempting to dissect the information presented. In summary, a chart is a depiction of exchange rates that happen between financial instruments that are plotted and illustrated on a graph. The ability to read charts is part and parcel of trading, as it allows you not only to keep track of your current trades but helps to detect a developing trend line for your future trades.\nWhen you look at a chart and find a grouping of data plotted in a general direction, one can figure out an overall direction that an instrument is moving towards. Every chart and graph differs, on most charts trend can be determined quiet easily, while other chart trends can be more complex. Trends generally move in a series of peaks and valleys (highs and lows). When you refer to a Bullish trend you are looking at a succession of mounting highs and lows and a Bearish trend is a sequence of descending lows and highs.\nThere is another trend that is known as the sideways, flat or horizontal trend. This is depicted when the forces of supply and demand are equal, so there is more of a straight line then a view of valleys and peaks.\nTrends are not only classified by their direction, but also by the time duration as the trend is taking place. There are long-term, short-term and intermediate trends that coexist and may have the same, as well as the opposite directions. They are pretty self-explanatory as they are time based and are part of the trendline you see when reading a chart.\nTypes of trading charts\nClarity and a full understanding of what a chart is showing as well as the information that it provides is imperative to trading. When you board on online trading there are three main chart types that are popular among trading circles. Each chart has their level of information according to the traders’ individual skill level:\nLine Chart– The most basic of charts, and the stepping stone for the beginner trader. This chart represents only a closing price over a period of time, the closing price is often considered the most important element in analysing data. This is in essence, how the line chart is formed: by connecting the closing prices over a set time frame. There is no visual information or trading range, meaning no highs and lows and nothing on opening prices.\nBar Chart – Expanding in more detail on the line chart, the bar chart includes several more key fragments of information that are added to each data point on the graph. Made up of a sequence of vertical lines where each line is a representation of trading information. They do represent the highs and lows of the trading period as well as the opening and closing price. The open and the close price are represented by a horizontal shorter line.\nThe open price is the ‘dash’ that is located on the left side of the vertical bar and conversely the close price indicated by a similar horizontal line, however, to the right side of the bar. Understanding this chart is simple, if the left dash (which is open price) is lower than the right dash (closing price) then the bar will be shaded in green, black or blue and represents a price increase and the instrument gained in value. The opposite is true and the decreased value of the stock is indicated in red.\nCandlestick Chart – Once you have mastered the line and bar charts, you can graduate to the candlestick chart which will be easier to understand as it is similar to the bar chart. The vertical lines of both charts illustrate the trading period’s price ranges, while the body of the candle uses different colours to represent the market changes of that time period.\nCandlestick charts detail\nDating as far back as the 17th century, the Japanese began using the technical analysis to trade on rice, although quiet different to the US version created around the 1900s their principles are similar.\nIn order to start creating and reading a candlestick chart, one should know that the data contains highs, lows, open andclose prices.\nThe ‘hollow’ and the ‘coloured’ portions are called the body. The long thin lines above and below the ‘body’ represent the high or low ranges and are also referred to as either shadows, wicks or tails. Should the lines be placed at the top of the body this will tell you the high and close price, while the line at the bottom of the graph indicates the low and the low’s close price.\nThe colours of the candle body do vary from broker to broker, where they could either be green or blue, illustrating a price increase or red being a decrease in price, or hollow candlesticks is where the close price is higher than the open price which will indicate to traders to BUY. Filled / coloured candlesticks where the close price is less than the open will indicate a SELL position.\nLong versus short bodies will indicate the buy or sell pressure among traders. Short bodies represent there was very little price movement and are often treated as a consolidation pattern, known as doji.\nDoji is an important facet of the candlestick graphs as they provide information in a number of patterns. These form when the instruments open and close prices are virtually equal and there’s not much price difference. The relevance of a doji candles are to show traders that either: After a long white or green candlestick the buying pressure is starting to weaken, or after a solid long (blue or black) candle that the selling pressure is starting to decrease and the supply and demand are starting to even out.\nOne of the most popular and reliable patterns of graphical analysis is the head and shoulders pattern.\nThis pattern is a reversal pattern, that when is formed will be a sign that the current trend will see a reversal soon. There are two versions of the head and shoulders pattern:\n1. Head and shoulders Top: Generally formed at the peak of an upward trend and signals that the asset’s price is set to fall once the pattern is completed.\n2. Head and shoulders Bottom (or Reverse Head and Shoulders): Usually forming during a downward trend, the head and shoulders bottom pattern signals that the asset’s price is set to rise.\nBoth have similar visual construction as each contain four main elements: two shoulders, a head and a neckline. Patterns are formed when the neckline (support and resistance) is broken and a second shoulder is formed. Heads and shoulders are formed by peaks and valleys on a graph. There are many other formations that traders turn to for analysing trade setup such as: Double top/bottom, triple top/bottom, Pinocchio, bullish/bearish engulfment, etc.\nIncorporating a technical analysis tools into your charts\nAs you grow more comfortable reading and examining the charts you will learn how to add other tools such as a technical analysis to measure the rate of market volatility and changes in value. These technical indicators can assist you in clarifying the exact market information that could be missed with some stocks or currencies that are commonly labelled as ‘oversold’ or ‘overbought’.\nIn essence, technical indicators incorporated into your live charts like volume indicators, moving averages, MACD, trend lines, Fibonacci levels, stochastic oscillators etc., can block out the market noise, forming a better picture of the markets and trends that lie ahead.\nBullsEye Markets have written this in depth guide in order for you to understand how some of the core technical analysis tools are applied by professional traders. Learn how to implement what you have learnt by means of our free demo account, test the tools and charts provided by our technically advanced platforms.", "label": "Yes"}
{"text": "Be A Better Stock Trader by Understanding Some Stock Trading Fundamentals\nIf you have a loan to invest, you can buy and sell stocks. There is a specific vocabulary for stock trading, once you comprehend the basics, you will have a much better sensation for how the marketplace works. It's just as real for stock trading as it is for any financial investment: The more you understand, the more effective you are apt to be.\nGenerally, stocks are traded through brokers, who function as intermediaries, taking and satisfying orders. \"Full service\" brokers likewise can suggest which stocks to trade and offer suggestions about the state of the marketplace. These brokers charge greater commissions. To conserve loan, lots of people deal with discount rate brokers, who charge substantially less. Discount rate brokers do not supply guidance; however some financiers consider this a plus.\nBroker services might consist of online trading and broker-assisted trading. Some have choices for positioning telephone or online orders, such as Interactive Voice Response Systems for telephone orders and cordless trading systems that permit purchasers to location orders from their web-enabled portable gadgets or mobile phone.\nSome brokers provide you a password that permits you to access their order department through their sites. Others have their own software application for Internet orders. No matter what system is used, for the most parts, a variety of charting alternatives are provided to assist you to track motions on the stock exchange. Likewise, some services might consist of analysis software application or use it at extra expense.\nVarious sort of orders is made when offering or buying stocks. A \"market order\" gives instructions to purchase or cost the present market value. The order is normally carried out at a cost near to exactly what you are priced quote when you order. In some cases, nevertheless, there can be a distinction in between the priced quote cost and the deal rate. This generally occurs when the stock cost is varying or if the stock in not actively traded.\nIf you wish to purchase or cost a guaranteed rate, whether above or listed below the existing market value, you can position a \"stop order\" or a \"limitation order.\" The stop order informs the broker to trade the stock at a defined cost, and the limit order requires the broker to trade at the defined cost or much better.\nStop orders are created to restrict losses and secure revenues. They enter impact when the marketplace reaches the stop cost, however, might really trade greater or lower than the stop cost because they are traded at market value after they end up being active. Sometimes, limitation orders are not positioned at all, even when the marketplace has reached the limit rate. This occurs when the marketplace moves quickly and there is insufficient time to perform the order before the stock costs go listed below the limit cost variety.\nTo show: You buy Bell Canada (BCE) for $50 a share, then put in a stop order of $45. If the rate is up to $45, the stop order enters impact, and the BCE stock will cost the marketplace cost. On the other hand, if you position a limitation cost $60 after buying BCE, your stock will cost a revenue when the stock cost reaches that quantity. Likewise, you may buy BCE with a limitation buy order for $45. This, in theory, would let you purchase the stock at a rate lower than the existing market rate ($ 50 in this example). If the rate never ever is up to the limit purchase rate, however, you will not buy any of that stock.\nMore Website Templates @ TemplateMonster.com. November19, 2012!", "label": "Yes"}
{"text": "Mark Naison: The attack on Teachers Unions has been driven by foundations and funding sources traditionally associated with the Democratic Party and has been enthusiastically endorsed by the Obama Administration.\nWalter Brasch: The unions had already said they would accept what amounts to an 8 percent cut. But, Walker, acting more like a caricature of a Fat Cat Boss, refused to negotiate. His demands, if put into law, would essentially “gut” public worker unions.\nShamus Cooke: Democrats all over the country are cooperating with Republicans in launching a massive attack on the wages and benefits of public employees, scapegoating them for the deficits caused by Wall Street’s recession and the corporate sector in general, the real “base” of the Democrats.\nCarole Bartolotto: The problem with concluding that GMOs are safe is that the argument for their safety rests solely on animal studies. These studies are offered as evidence that the debate over GMOs is over. Nothing could be further from the truth.\nWalker Foley: Elected officials seem to think there’s only one side of this property rights argument. The people who live in these communities have rights too, but the oil companies seem to have the jump on [the politicians’] side of the fence.", "label": "Yes"}
{"text": "The Michigan Main Street Program is working with one of Michigan's most dedicated community capital champions, Revalue, who has developed a unique educational experience on Michigan's local investor education initiative, under the name Grubstake, in partnership with MEDC and Michigan Main Street.\nIt's a term from the late 19th century that has fallen out of use, but is completely applicable today:\nnoun: an amount of material, provisions, or money supplied to an enterprise (originally a prospector for ore) in return for a share in the resulting profits.\nverb: provide with a grubstake.\nThe term was coined during the era of gold mining. Miners would come into town and local residents would offer a grubstake in the form of lodging, food, or basic necessities. In exchange, the residents would receive a portion of the profit, or a grubstake.\nRevalue has created a way for community members who might be interested in investing in their own backyard to get their feet wet with the due diligence process by putting them through a mock pitch and investment decision experience.\nSign up for a workshop and learn more about GrubStake at: http://whatisgrubstake.com/#intro\nThe Capital Readiness Checklist is an assessment tool for business service organizations can use to evaluate the small businesses they serve. It features a checklist of basic criteria that a small business typically needs to meet before a lender will consider lending to them.\nThe Neighborhood Business Initiative’s Gaps Committee worked with Michigan Community Resources to create this guide with support from the New Economy Initiative.\nEmail firstname.lastname@example.org for the Capital Readiness Checklist.\nThe “silver tsunami” of retiring Boomer business owners is in full force, while, at the same time, Gen X and Millennials are seeking opportunities to enter the entrepreneurial space. Whether you’re seeking to buy or sell a business, the Michigan Small Business Development Center has developed a conference that will prepare you to successfully navigate the process as well as connect with experts who can assist you throughout all phases of the transition.\nMichigan Small Business Development Center provides counseling, training, research and advocacy for startups, existing small businesses and innovative tech companies. Counselors provide support and a planning tool to help evaluate the direction of your technology, chart strategies and more.\nMichigan's SBDC publishes a Guide to Starting and Operating a Small Business. Information includes steps for starting a business; forms of business organization; elements of a business plan; federal, state and local tax obligations; management, hiring, marketing and more.\n“B Corp” is short for “benefit corporation,” which is a designation earned by companies that are focused on environmental and social change in addition to monetary profits (the triple bottom line). B Corps are certified by B Lab, a nonprofit organization that believes in unifying companies around the world with their goal of making high ethical standards for business practices the new norm.\nThere are several B Corps throughout Michigan. These companies are providing high-quality jobs, working to reduce their negative impact on the environment, and raising the bar for how we do business.\nThe Michigan Main Street recognizes the importance small businesses have in shaping vibrant downtown districts. In partnership with our local Main Street programs, the Michigan Main Street offers various trainings for small businesses throughout the year. Stay tuned for the small business training scheduled offered by Michigan Main Street and visit the training and events calendar for more information.", "label": "Yes"}
{"text": "Depicted are the three fates, Clotho, Lachesis and Atropos, who spin, draw out and cut the thread of Life, represent Death in this tapestry, as they triumph over the fallen body of Chastity. This is the third subject in Petrarch’s poem The Triumphs. First, Love triumphs; then Love is overcome by Chastity, Chastity by Death, Death by Fame, Fame by Time and Time by Eternity.\nPretty gloomy, eh?\nFrom a modern perspective, life in the Middle Ages appears not to have a lot to recommend it. For example, for the majority of women, their lives consisted of unceasing labor, hand-to-mouth existence, a total lack of political representation (although that was not much different than for the majority of men, if they were landless), restrictions of the Catholic Church, societal acceptance of physical abuse, and the very real possibility in dying in childbirth at a young age.\nFor men, it wasn’t much different, substituting dying in battle for childbirth and you aren’t far off. Both men and women died of illness and infection, such that the median lifespan during this time was in the middle forties.\nBut people did live then. They raised their children, they cared for one another, and it does seem from what has been passed down to us, that they found beauty and pleasure in their lives.\nDigging deeper into history, there is far more going on there than simply than the Hobbesian “solitary, poor, nasty, brutish, and short”. (This quote, by the way, has been taken out of context for most of its life. Hobbes wasn’t describing life in the Middle Ages; he was explaining what life would be life without a strong monarchy. In his opinion, absolute monarchy was a way to avoid the war of ‘man against man’.)\nWhile a strong central government in England, led by Edward I in the 13th century, did have some affect on averting war within the nation, it led to more wars against other nations, and in Wales in particular, a far less free and materially wealthy existence.\nIn fact, if you look at the consequences of the Industrial Revolution in the 17th and 18th centuries, the lives of average people, in terms of nutrition, longevity, cleanliness, etc. were on the whole far, far worse, than their lives would have been as peasants in the Middle Ages.\nhttp://www.medieval-life.net/ has a good series of descriptions about different aspects of life in the Middle Ages. For example:\n“Medieval villages consisted of a population comprised of mostly of farmers. Houses, barns sheds, and animal pens clustered around the center of the village, which was surrounded by plowed fields and pastures. Medieval society depended on the village for protection and a majority of people during these centuries called a village home. Most were born, toiled, married, had children and later died within the village, rarely venturing beyond its boundaries.\nCommon enterprise was the key to a village’s survival. Some villages were temporary, and the society would move on if the land proved infertile or weather made life too difficult. Other villages continued to exist for centuries. Every village had a lord, even if he didn’t make it his permanent residence, and after the 1100’s castles often dominated the village landscape. Medieval Europeans may have been unclear of their country’s boundaries, but they knew every stone, tree, road and stream of their village. Neighboring villages would parley to set boundaries that would be set out in village charters.\nMedieval peasants were either classified as free men or as “villeins,” those who owed heavy labor service to a lord, were bound to the land, and subject to feudal dues. Village life was busy for both classes, and for women as well as men. Much of this harsh life was lived outdoors, wearing simple dress and subsisting on a meager diet.\nVillage life would change from outside influences with market pressures and new landlords. As the centuries passed, more and more found themselves drawn to larger cities. Yet modern Europe owes much to these early medieval villages.”\nhttp://www.learner.org/interactives/middleages/feudal.html is another good site. Much of this is oversimplified and specifically related to the Feudal system, which was not uniform across Europe. The differences between what went on in France verses Wales, for example, are very great.\nWelsh people were not farmers but herders, had fewer villages, and land ownership was more egalitarian:\n“Wales in the Age of the Princes was not a primitive society.\nThere were three main social groups: the uchelwyr – the upper class, thebonheddwyr – the freemen and the taeogion – the unfree peasants. Each group had its role in society.\nThe taeogion (villeins) lived in compact villages in the fertile lowlands. Organised by the maer y biswail (the mayor of the dunghill), they supplied the needs of the princely court. They also had to do farm work for the prince each year. Tied to the land, they could not leave their own village. Their arable crops were vital for Wales. Edward I realised this and, in his 1277 invasion, his forces quickly took Anglesey and seized the grain harvest.\nThe lowlands were linked to the hills economically. Farming communities moved from the hendref, their main settlement in the lowlands, to the hafodwith its upland pastures each summer. The upland farmers were generally bonheddwyr (freemen) who lived in kinship groups, each looking after its owngwely (clan land). They performed military service for the prince, but did not do menial tasks like the taeogion. The upland farms were also vital to Wales. They enabled the Welsh to keep their economic and political independence when the Marcher lords occupied the fertile lowlands.\nWhile the traditional view is that the Welsh were not an urban people, over 80 towns were established in the period 1100-1300. Towns did develop more in the Marcher lordships because these areas were richer, but the Welsh princes also encouraged the development of towns, often near their castles. Trade increased in tandem with these new towns and Wales exported primary goods like cattle, skins, fleeces and cheese. Imports included necessities like salt, wheat and iron, but reliance on these imports would be a weakness against an aggressive King of England.” http://www.wrexham.gov.uk/english/heritage/medieval_exhibition/life_in_wales.htm", "label": "Yes"}
{"text": "President Reagan, signaling continued strong U.S. support for the embattled government of Sudanese President Jaafar Nimeri, yesterday announced the release of $180 million in frozen economic aid and pledged an additional 225,000 tons of emergency food assistance.\nThe White House said Reagan believes that recent economic reforms by Nimeri, including withdrawal of food subsidies, were \"difficult steps\" requiring sacrifice and termed them \"highly commendable actions worthy of international donor support.\" Withdrawal of the food subsidies last week touched off extensive rioting in the Sudanese capital of Khartoum.\n\"It is clear that the government of Sudan is taking the steps that are required to bring the economy under control while it is faced with the added difficulties of drought and refugee emergencies,\" the statement said.\nIn addition to freeing $67 million in frozen economic aid for the Sudan from fiscal 1984, the decision allows planning for disbursement of $114 million earmarked for fiscal 1985.\nThe additional emergency food aid would bring to nearly 1 million tons the amount of emergency and regular food assistance to Sudan in fiscal 1985.\nAnnouncement of resumption of U.S. economic aid, suspended in December because of political uncertainties and the Sudanese economic crisis, came after a 30-minute meeting at the White House between Reagan and Nimeri.\nThe U.S. decision is expected to help clear the way for a meeting of major Western European donors, which also have been delaying economic and financial assistance, to consider a new overall aid package and further rescheduling of Sudan's nearly $9 billion debt.\nIn addition, Sudan is believed to be close to reaching an understanding with the International Monetary Fund, to which it owes $120 million. That would make possible a new standby agreement as a result of Nimeri's recent reforms abolishing state subsidies on most food items and gasoline, devaluing the Sudanese pound and cutting government spending.\nNimeri arrived here Wednesday on a 10-day private visit during which he is having his annual medical checkup in addition to holding discussions with top-level administration officials on the deteriorating political, economic and military situation in his country.\nBesides a spreading rebellion backed by Libya and Ethiopia in the Sudan's southern provinces, Nimeri faces a nearly bankrupt economy and the problem of feeding more than 1 million drought-affected refugees from neighboring countries.\nEmerging from his meeting with Reagan, Nimeri told reporters that his country, after four years of drought that shows no signs of abating, faced \"the greatest natural disaster in the history of mankind.\"\nNimeri said that 1.75 million drought refugees, including 1 million Ethiopians, are in Sudan and that they arrive at the rate of 4,000 each day.\nHe said the burden has \"strained our resources beyond the breaking point\" and that only outside assistance from such nations as the United States has averted the deaths by starvation of \"many, many thousands\" of people as has occurred in neighboring Ethiopia.\nHe said the Sudan needs not only emergency food relief for refugees but also long-term development aid to become self-sufficient.\n\"I spoke to President Reagan about our needs in all fields and, with the generosity typical of the American people, he assured me this country will do what it can to help the Sudan and Africa and all the refugees,\" Nimeri said. \"On behalf of all those who are starving and suffering in Africa, I say 'thank you,' and may God continue to shower His blessings upon you.\"\nExcept to deny that the issue of the frozen U.S. economic aid had been broached, Nimeri did not comment further on his talks with Reagan.\nA senior administration official briefing reporters later said Nimeri had held \"lengthy discussions,\" apparently with Reagan and earlier in the day with Defense Secretary Caspar W. Weinberger, regarding \"the importance of a strategy of political reconciliation\" with the southern rebels.\nThe official said Nimeri had appointed a commission to open a \"dialogue\" with rebel leaders to find a political solution and that Washington made \"very clear\" its opposition to use of its military aid in the conflict \"because we don't think there can be a military solution to the southern problem.\"\nAsked the U.S. assessment of Nimeri's political stability in light of his government's economic difficulties and the recent riots in Khartoum, the official said he does not think that Nimeri is in serious trouble.\n\"I would just comment that I think he has faced a number of attempts on his government over the years since he came to power in 1969 , and he's survived them. We don't have the impression there is some imminent dramatic event about to take place,\" the official said.", "label": "Yes"}
{"text": "IoT technologies and services are rapidly transforming the entire landscape of the automotive industry. The advanced sophistication in the modern day cars can help monitor almost all the relevant data now - from location to routes, driving behaviour to all the vehicle data like oil temperature, brake wear and tire pressure. Insurers can benefit from connected cars and telematics the most. Vehicle connectivity is promised to save large numbers in crash-related value and across the insurance value chain. Using analytics and real-time information generated by telematics devices, insurers can weed out fraudulent claims. Employing analytics can help insurers reduce up to 80% of fraudulent claims. Keeping all those facts in consideration, it is not hard to determine that insurance companies and car manufactures need to develop a more unified approach to address the limitations of insurance and claims in Connected Vehicles. At this forum, you will learn everything you need to know about the latest approaches to insurance for connected cars from the world's leading professionals. In 2 days of interactive sessions, panel discussions and networking, you will gain valuable knowledge from an international perspective. Small-scale of the event and engaging learning environment make for establishing more effective business connections and open-minded controversial discussions!", "label": "Yes"}
{"text": "New data from the Association of Professional Staffing Companies (APSCo) reveals that HR vacancies are on track to be up by 13.5% on 2021, with the profession becoming a priority area for businesses to recruit.\nThe data, provided by business intelligence specialist, Vacancysoft, shows that, in terms of skills in demand, it is internal recruiters who are the specialists most wanted.\nIn fact, 35% of all HR vacancies so far this year have been for internal recruiters, which is perhaps no surprise given wide reports of skills shortages in the UK.\nTraining/learning is the second largest attribute being recruited for, averaging 14% of total vacancies.\nIn contrast, the specialism which is growing both in volume and in share is HR generalists, which has seen an increase of 64% in terms of the monthly average between last year and this one, leading to the total share rising from 13% to 14.3%.\nWhen comparing sectors recruiting for HR, technology came up top with 3,994 vacancies so far, with 17.5% of the total number of HR jobs. The second largest sector is retail, with 3,833 roles so far (16.8%).\nGiven the importance of banking to the UK economy, it’s surprising that only 7% of HR vacancies are attributed to this sector.\nHowever, this small share could be linked to the cost-of-living crisis and the inevitable impact on the UK economy.\nBy region, it’s perhaps unsurprising that London dominates.\nSo far this year, Vacancysoft has seen 8,995 vacancies from the capital, which is accounting for 39.6% of the total HR vacancies posted.\nThis total is followed by the southeast, where 2,637 vacancies were published, constituting 11.6% of HR vacancies.\nAnn Swain, CEO of APSCo, said, “As the UK’s economic pressures mount, a decline in vacancies is to be expected.\n“However, since the UK remains in the grips of a skills shortage, hiring teams and recruitment professionals alike will continue to be in high demand.\n“While HR will have a key part to play in narrowing the skills gap, we will also need to call on the country’s policymakers to implement an internationally viable approach to boosting the UK’s access to skills, alongside building a more attractive entry route into the country for highly skilled self-employed professionals.”\nJen Gaster, Founder and Managing Director of HR Heads, said, “As leading recruiters of HR professionals, it’s perhaps no surprise that our data mirrors what Vacancysoft has seen.\n“There has undoubtedly been a huge demand for Talent Acquisition Specialists, and this shows no signs of abating as the talent challenges continue.\n“The HR function played a critical role in organisations’ response to the pandemic, so it is unsurprising that as businesses come out of the work from home mentality, and are embedding new working policies, the top HR talent continues to be in high demand.\n“We’ve seen huge demand for talent in London and the southeast, but more generally across the UK, with companies taking more flexible approaches to how people work – this has opened up roles in places that may have previously been prohibitive for candidates to consider.\n“Moving forward, I think that one of the trends we will see as HR recruiters is a heightened demand for wellbeing and reward specialists, as organisations come to terms with the cost of living crisis and its impact upon teams.”", "label": "Yes"}
{"text": "Technical Debt: How is it measured, and how can my Business get rid of it?\nOn occasion, as businesses improve the maturity of their IT operations, there is a need to implement technology faster or cheaper than originally envisaged. Compromises are made to deliver the solution, intending to address any shortfalls later. This compromise is known as technical debt, sometimes also referred to as tech debt or code debt.\nOver time, organizations may realize that so many compromises have been made, or to put it another way, so much technical debt has accumulated that most of their time and energy is spent on maintaining technology, reducing the resources available for creating and deploying new tools and services.\nFor IT leaders, the pandemic has significantly contributed to technical debt. For instance, to expedite the deployment of new tools and technology to enable remote working, some best practices, steps, or processes would have been omitted in the interest of speed of delivery. However, these omissions may need to be retrospectively implemented sooner or later.\nOn this page:\nWhat is Technical Debt?\nTechnical Debt refers to the additional expenditures of maintenance that arise later on due to early compromises between quality and speed during software development.\nIt’s a frequent metaphor in engineering groups because it illustrates the hidden costs of making technological choices. Like any other kind of debt, technical debt provides immediate benefits in exchange for obligatory future repayments plus interest.\nDue to the ever-evolving nature of software development tools and standards, every software product will eventually need maintenance and re-building of components.\nHow does Technical Debt accumulate?\nMany things might be anticipated while building a solution, and you can spend significant time planning your project or polishing your code. However, there are always a few circumstances outside your control that might lead to technical debt:\n- Schedule Pressures: Because of the pressure to produce within a shorter timeframe, development teams often offer apps that aren’t entirely complete or lack essential functionalities. To get to market faster, development teams may sacrifice performance and quality.\n- Constant Revisions: Even fully functional, timely developed programs risk becoming outdated once they hit the market. IT executives face continual difficulties as a result of rising consumer demands, new business possibilities, new cyber risks, and developer churn.\n- Obsolete Technology: Most coding languages, frameworks, and libraries used to create contemporary apps are outdated or unsupported yearly. Python today may become Visual Basic tomorrow.\nTechnical debt is often associated with aging or discontinued goods, but it is there from the beginning. Have you ever been in the midst of a new project’s planning phase when you suddenly discovered you would be unable to complete the project within the allotted time frame?\nLater on, you may always alter it. But now you’re placing your faith in your ability to make the time sometime in the future.\nThere is always something more to do and a new deadline to meet. If you put off fulfilling duties, there’s a good chance you won’t get around to it.\nHow To Measure Technical Debt\nMeasuring technical debt is challenging since there is no one statistic that can provide a comprehensive picture. Finding a way to quantify technical debt’s knock-on consequences is the next logical step.\nSince it is hard to quantify technical debt directly, its effects on other business KPIs must be evaluated.\nWhen calculating technical debt, the most critical second-order indicators are:\n- Cycle time: The time it takes to complete a job. It is the period between a developer’s initial commitment to a piece of code and when it is deployed in programming. Shorter cycle times suggest an efficient process with less technical debt. More extended cycle periods have the opposite effect.\n- Stability and quality: If it takes longer to make a modification and address an issue permanently rather than just developing a workaround, you most likely have a tech debt problem. When a change in one element of a system causes changes in other unrelated areas, this is a sign of instability.\n- Developer happiness: If your developers are becoming more dissatisfied with a certain system in comparison to others, this is an indication that that system may have more tech debt.\nA technical debt ratio is one metric that may be used to try to put a number on technical debt (TDR).\nTDR measures how much it will cost to repair a software system compared to how much it initially costs to create (development cost). If time is selected as the metric, TDR calculates how long it will take to resolve the issue.\nHowever, there is no universally recognized method for calculating the technical debt ratio in engineering groups.\nHow can my Business manage Technical Debt?\nThe costs associated with fixing technical debt may quickly mount. Here are a few strategies for preventing and efficiently managing such an occurrence.\nFollow these steps to keep your debt under control and prevent it from overwhelming your organization’s resources and plans.\nIdentify, track, and document your Business’s Technical Debt\nEvery piece of hardware, every piece of software, every network connection, every cloud service, and every application integration should be monitored.\nThe IT department should understand technical debt and why it’s essential. Almost every action an IT group takes will eventually need some upkeep.\nUsers may be happy and proclaim success when projects are rushed, important support tasks are accomplished, and standard processes are bypassed.\nIT executives realize that premature project completion frequently leads to extra work.\nThen, there are the extras that go beyond the norm: That important person who, even if everyone else uses a Dell, must have a ThinkPad. The 32-bit database server is used for a niche project, while 64-bit is the standard. When all other departments in an organization use Microsoft 365 and OneDrive, that one department’s cloud subscription is a bit of a mystery.\nKeeping track of the debt serves two purposes: first, it informs IT leaders as to where their money is going, and second, it explains why the time spent on maintenance is so much greater than expected.\nBudget for Organizational Technical Debt\nYour company’s IT expenditure model should include cash for technical debt and upkeep. This holds truer for unique products, such as customized computer parts.\nPutting a price tag on these expenses facilitates talks among management and the end users. The IT department’s role is to assist the business, but that doesn’t imply it should bury its expenses in a mysterious pot. The IT department’s ability to provide detailed reports on its time and money allocations to the executive team is a key factor in successful budget negotiations.\nKnowing how much something will set you back over the long term is also helpful. Information Technology is in a better position to provide reliable guidance on projects and requests if it is up-to-date on the expenses associated with maintaining hardware, software, and, most importantly, bespoke configurations.\nLong-term business success depends on judiciously juggling limited resources and conflicting demands. Better resource allocation is possible when IT can foresee a given activity’s immediate and long-term expenses.\nIt is important to allocate some of the engineering team’s time and energy to assess the level of technical debt that has already been accumulated. Plan to do so on a regular basis, perhaps monthly or quarterly.\nTechnical debt may be the focus of 20% of engineering efforts. It’s also helpful to classify such initiatives as either modest or huge.\nThe minor ones can be dealt with quickly by engineering without making them a major roadmap priority and requiring buy-in from other parts of the company. The bigger ones will have a noticeable effect on your output for a longer length of time. Therefore, it’s important to plan for them and make that plan public.\nMitigating existing Technical Debt\nThere are circumstances in which debts need not be repaid. It may be more economical to discover another method of handling unfinished tasks.\nIT teams may retire old systems with excessive continuing expenses by documenting and planning for ongoing and delayed maintenance costs. They can remove modifications that disproportionately influence IT resources by doing the same.\nSome IT infrastructure may be retired or removed for reasons other than cost or budget. However, prioritizing adjustments requires understanding how much money is spent on each.\nPrioritizing based on continuing expenditures is acceptable if there is a top 10 list of systems scheduled for replacement or retirement.\nNegotiate your Organization’s Technical Debt\nInformation technology leaders sometimes must deal with technical debt that was once someone else’s responsibility.\nCyber security is a prime example of when the time to implement is the primary driver, particularly after an audit has been conducted. IT leaders should think twice (and maybe fight back) when other teams pile on technical debt before accepting it.\nIf a member of the security team reads a report from an auditor or views a vulnerability analysis console, they may not fully grasp all of the suggestions made.\nMoreover, they can lack the background knowledge necessary to assess the full scope of the danger posed by tampering with long-standing, reliable infrastructure components like networks and storage devices.\nManagers of information technology who are saddled with technical debt may be able to negotiate relief from part or all of the obligation, especially if the debt was incurred due to the actions of other teams.\nMaintenance tasks are taking up a larger share of company time and resources, which may be put to greater use elsewhere. IT leaders may increase their IT maturity and contribute meaningfully to the whole planning process by keeping detailed records of routine and emergency maintenance and allocating sufficient funds for both.", "label": "Yes"}
{"text": "Financing a Business in Czech Republic\nRelated forum posts\nAs a multi -national operating in China, is it possible to pay employees through a payments company located aboard? If so can these payments be made direct to the employees, by an international payments company from outside the country? Or do salary payments in China have to come from an companies in country bank account?\nTotal Posts: 1 Last post by WWCP\nWe offer fresh cut bank instrument for lease, such as BG, SBLC, MTN, Bank Bonds, Bank Draft, T strips and others. Leased Instruments can be obtained at minimal expense to the borrower compared to other banking options. This offer is opened to both those and corporate bodies.We are RWA ready to close leasing with any interested client in few banking days, if interested do not hesitate to contac\nTotal Posts: 1 Last post by directmandate\nFinancing a Business in the Czech Republic\nObtaining your finance for your business in the Czech Republic is the next step after market research, location research and business planning is undertaken. You may wish to talk to your accountant about possible ways of obtaining finance as they can help and advice on the subject.\nHere are some ways of obtaining possible finance when setting up a business in Czech Republic:\n- Bank finance your bank maybe able to help with finance. It is important to approach them with a well written business plan, this way they can see why the money is required, how much, how it will help to develop your business and potential growth.\n- Stock Market - floating your company on the stock market maybe a possible way of raising more finance. This will depend on the type of business you set up. AIM, the junior partner of the London Stock Exchange (LSE), has established itself as the preferred route for younger companies wanting to go public.\n- Public Aid information on public aid from the Czech Republic government can be found the website of CzechInvest it is the Investment and Business Development Agency and is an agent of the Ministry of Industry and Trade of the Czech Republic.\n- CzechInvest is divided into three areas business and innovation, human resources and employment, and research and development. To find out more about the funds, loans and guarantees go to their website. http://www.czechinvest.org/\n- Tax relief and Incentives The Czech Republic Chamber of Commerce represents large, medium and small sized businesses in local and regional chambers and branch associations. They can may be able to help with information on possible tax relief or incentives.\n- The CzechInvest website can also help with tax incentives.\n- Business Info website this portal is operated by the government agency, CzechTrade, and the guarantor is the Ministry of Industry and Trade. http://www.businessinfo.cz/cz\n- European Aid grants are direct financial contributions from the EU budget or from the European Development fund. It is worth checking out your possible grants, funds and programmes by following the link and looking under a particular section i.e. Agriculture, Energy or Audiovisual and Media. http://ec.europa.eu/grants/index_en.htm\nIt can be overwhelming when trying to find ways of obtaining finance. It is worth remembering that there are over 450 funding sources for reimbursable grants, aid schemes, individual fellow and traineeships, loans and guarantees in the EU. These can be awarded from such organisations like the European Commission, the Council of Europe, the European Investment Bank and others.Helpful links are:\nOrganisations that can assist with Financing a Business\nBusiness Banking advice Advice on which type of bank account would best suit your business. Help making payments – and getting paid.", "label": "Yes"}
{"text": "Bankcall your local agent today for a free quote!flexible payment options free discount double check :get all the discounts you deserve.good driving discount discounthome lifemulti-line discountone agent for all your insuranceover 18.000 local officesplus many more...serving customers since 1922state farm bank. F.s.b. Bloomington. Il.state farm fire and casualty company. State farm life...\nState Farm offers more discounts to more drivers than any other insurance company. Get free insurance quotes today and see how you can save on auto, home, and more.\nState Farm Insurance\nProviding Insurance and Financial Services", "label": "Yes"}
{"text": "Avendus Capital Public Market Alternate Strategies, the asset management wing of Avendus Capital, on Tuesday announced the proposed launch of its category III Alternative Investment Fund (AIF).\nThe new Equity Long/Short (Hedge Fund) AIF venture of Avendus Capital has applied to the Securities and Exchange Board of India (Sebi) to launch the fund and its approval is expected shortly.\nAlternative Investment Fund refers to any fund which is a privately pooled investment vehicle, which collects funds from investors, whether domestic or foreign, for investing it in accordance with a defined investment policy for the benefit of its investors.\nVarious types of funds such as hedge funds, PIPE Funds, etc., are registered as category III AIFs. The company is expecting to close the new fund offer (NFO) period on March 10.\nThe minimum investment in the fund during the NFO period is R5 crore. The fund will be investing in Indian listed equities as well as equity derivatives.\nDuring an interaction with reporters, Andrew Holland, CEO of Avendus Capital Public Market Alternate Strategies, said the fund aims to deliver a return of anywhere between 15% and 20%.", "label": "Yes"}
{"text": "NYDFS emergency regulations need 90-day home loan forbearance, waiver of ATM, overdraft, charge card belated charges for borrowers showing pecuniary hardship\nAs a result to New York Governor Cuomo’s Executive Order 202.9 given on March 21, the newest York Department of Financial Services (DFS) has used brand brand new laws to give crisis relief to people who can show hardship that is financial a outcome .\nThe brand new laws had been promulgated as an ingredient 119 to Title 3 associated with New York Official Compilation of Codes, regulations.\nAny bank which can be susceptible to the jurisdiction for the Department shall perhaps not give a forbearance to your individual or business who’s got a pecuniary hardship because of this for a time period of three months. in their Executive purchase, Governor Cuomo temporarily suspended or modified, for the duration through the date associated with the Executive purchase through April 20, 2020, Section 39 of this state’s Banking Law “to provide so it will be considered an unsafe and unsound company training if, as a result” your order:\nNew role 119 relates to regulated organizations, that are thought as “any Brand New York banking that is regulated as defined under nyc Banking Law and any New York regulated mortgage servicer entity susceptible to the authority of this Department.” They are the requirements that are following apply for the duration of the Executive purchase\n- Ny regulated organizations must make forbearance applications for just about any payment due on a residential home loan of home situated in Ny “widely offered to anyone who resides in Nyc and whom shows pecuniary hardship” due to the pandemic and, susceptible to security and soundness needs, must give such forbearance for the period that is 90-day. The necessity will not connect with any home loans online payday loans Oregon “made, insured, or securitized by any agency or instrumentality for the united states of america, any Government Sponsored Enterprise, or perhaps a Federal Home Loan Bank, or the rights and obligations of every loan provider, issuer, servicer or trustee of these responsibilities, including servicers for the national nationwide Mortgage Association.” (See our alert to find out more regarding the forbearance needs.)\n- Ny regulated banking institutions, for almost any person that can show monetaray hardship as a consequence of the pandemic and at the mercy of safety and soundness needs, must eradicate costs for the employment of ATMs owned or operated by the regulated banking organization, eradicate any overdraft costs, and eradicate any bank card belated costs.\nRegulated organizations may also be motivated to simply just take “additional reasonable and wise actions” to help people showing hardship that is financial an outcome of this pandemic “in any manner they consider appropriate.”", "label": "Yes"}
{"text": "Agricultural biotechnology evolution and impact\nI will discuss biodiversity and i will discuss agriculture the impact of agricultural biotechnology on dress the argument of the manipulation of evolution. Chapter 1 world agriculture and impact of biotech nology 3 ecology and evolution 2 chapter 1 world agriculture and impact of biotechnology 21  a. Biotechnology: the next revolution continuing through the twenty-first century, technology is ever so expanding and to all aspects of life for the purpose of fixing worldwide problems to making our lives much easier. Modern agricultural biotechnology includes a range of tools that motor of evolution a tremendous economic impact on agriculture and food. The biotechnology institute is founded by bio as an independent national, 501(c)(3) the word biotechnology is first used by a hungarian agricultural engineer 1915. History of agricultural biotechnology: how crop development has evolved home news nanotechnology news (general/research) nanotechnology news (just business. Browne, w p 2002 agricultural biotechnology evolution: litigation and social impact on agricultural biotechnology. Agricultural biotechnology: economic and international implications and reduced the impact of agricultural pests agricultural biotechnology is now.\nEnergy energy & the environment environment evolution and environmental and economic impacts of agricultural agriculture, agricultural, biotechnology. Agricultural biotechnology: concepts, evolution it ends by assessing the current status of agricultural biotechnology and by plants, and patents: impact of. This digest is a faithful summary of the leading scientific report produced in 2008 by the international assessment of agricultural science and technology for development (iaastd): ' synthesis report of the international assessment of agricultural science and technology for development. This paper identifies several areas where economic research can make a difference in agricultural biotechnology’s evolution and suggests. The environmental impact one of the most impressive successes in agricultural biotechnology as a percentage of total agricultural land, organic agriculture.\nModern agricultural biotechnology includes a range of tools motor of evolution a tremendous economic impact on agriculture and food production that. As a tool for agriculture, biotechnology is a proven akin to natural evolution the regulatory standards for safety and effectiveness of biotech products. Shmoop biology guide to biotechnology and plant evolution and diversity see the connections between plant evolution and diversity and biotechnology impact of. Biotech evolution by zlatko pažin 1 november, 2015 how to explain biotechnology and what kind of impact it has on our lives agricultural (green) biotechnology.\nCloning is the most recent evolution of selective assisted breeding in animal husbandry animal biotechnology: all about animal cloning share print. Read bio’s brief about the benefits of agricultural biotechnology for farmers and the impact of ge crops on economic and environmental sustainability.\nAgricultural biotechnology evolution and impact\nIt begins with a review of the literature on the politics and political economy of agricultural evolution of agricultural biotechnology impacts of.\nContributors to this brief: us agency for international development, agricultural biotechnology support project ii, and the program for biosafety systems. Shmoop biology guide to biotechnology and plant evolution and diversity see the connections between plant evolution and diversity and biotechnology impact. This paper assesses some preliminary evidence on the potential impact of biotechnology using the mdpi biotechnology on adaption of agriculture. Actionbioscienceorg examines bioscience issues in biodiversity, environment, genomics, biotechnology, evolution, new frontiers in the sciences, and education.\nThe impact of technology in agriculture fortunately, advances in technology can have significant impact, as did irrigation systems, tractors. The impact of technology in agriculture the percentage of the people employed in the agricultural advances in technology can have significant impact. Economic impact of agricultural biotechnology in hawaii agriculture is an essential industry in hawai‘i and is the state’s third largest source of income after tourism and the military sector. Many interests, one biotech degree—the agricultural and medical biotechnology degree brings together students with a large range of interests to use science to improve our lives in the world today. Agricultural biotechnology: economic and international implications and reduced the impact of agricultural with the evolution of medical biotechnology. » biotechnology and evolution epa’s scott pruitt doesn’t buy evolution agricultural technology can save humanity from starvation.", "label": "Yes"}
{"text": "NOT since October has there been such a major power cut on the Costa del Sol which has seen businesses and individuals badly affected although as quickly as it happened, it has already started to be fixed.\nIt seemed to concentrate on the area between Calahonda and Fuengirola and as well as electricity, telecommunications were also badly affected with Vodafone and Orange at least going down as well.\nFor large companies in the Miramar Centre and around that area in Fuengirola, business was literally brought to a standstill as tills stopped working and there was a potential danger with large numbers of people having to leave the stores and cash machines unable to work.\nSo many appliances have to be restarted when there is a power cut and in some cases, there is a possibility of damage to electrical items.\nThe cause is unexplained at the time of reporting the outage but there are bound to be a large number of unhappy consumers getting ready to complain as they did in October.\nThank you for taking the time to read this news article “Power cuts cause chaos from Calahonda to Fuengirola”.", "label": "Yes"}
{"text": "What the tax authorities are up to: Key audit trends globally\nPublic and political pressure has seen tax authorities play closer attention to transfer pricing. Deloitte’s Tony Anderson, Alex Evans, Mariusz Kazuch, Rafal Sadowski and Lian Tang He explore changes in Canada, China and Poland.\nTax authorities around the world are increasingly focusing on transfer pricing (TP) matters, partly due to a combination of public and political pressure, and the transparency afforded by country-by-country reporting (CbCR). This article explores what is happening in Canada, China and Poland in the area of tax audits. Given the close working relationship between global revenue administrations, it is likely that similar trends will spread more broadly.\nThe Canadian government continues to make improved tax compliance a high priority, as seen by the proposal to invest C$91 million ($69 million) to this area in 2018's federal budget. This brings total investment towards improved compliance to almost C$1.1 billion since the 2016 federal budget.\nIn its approach, the Canada Revenue Agency (CRA) recently implemented a risk-based, integrated system to international and large business audits. They have created multidisciplinary teams of specialists to address complex and emerging tax issues, with clear targets to combat aggressive tax avoidance and TP abuses. The CRA's newly developed IT solutions enable them to assess the compliance risk of the entire large business population annually.\nThe CRA estimates that during the 2016-17 fiscal year, these initiatives identified a total impact of C$8 billion. This came from the tax assessed, tax refunds reduced, interest and penalties, and the present value of future federal tax assessable arising from compliance actions.\nRecent statistics confirm the CRA's TP compliance activity. A total of 160 mutual agreement procedure (MAP) cases were closed in 2016, and C$194 million in TP penalties were imposed for the period ending March 31 2017. Furthermore, the number of completed advance pricing agreements (APAs) has been increasing, with 36 completed in 2017, compared to 26 in 2016 and 21 in 2015.\nKey focus areas\nCRA auditors continue to emphasise substance, real economic activity and the ability of parties to control and manage pertinent risks, while downplaying the significance of contractual risk-bearing and legal ownership of capital and assets. Some specific examples include their focus on low-risk distributors and contract manufacturers.\nAuditors are very attentive regarding joint decision-making, local value-adding contributions to intangibles, and similar factors that justify higher returns to Canadian taxpayers. There is a tendency to reject one-sided methods that limit the Canadian taxpayer to a low routine profit. The disposition of intangible property between international related parties and hybrid financing structures is also a priority area.\nInteractions with tax authorities and recent audit and APA trends\nA trend observed in recent CRA audits is the auditors' diligent and detailed fact gathering, as demonstrated by multiple rounds of written queries and increase of in-person interviews with taxpayer personnel. Communication with the CRA is reasonably unrestricted, and most auditors are quite receptive to keeping lines of communication open.\nAt the audit stage, time frames are very case and audit team-specific, but may range from one to three years in most situations. According to the CRA's Advance Pricing Arrangement Program Report (2017), the average completion time for bilateral APAs during 2017 increased to 48.5 months, up from 47.3 months in 2016. This increase in completion time is troubling, given that one of the goals of BEPS Action 14 is to improve international dispute resolution.\nTransfer pricing adjustments proposed by the CRA can first be disputed at the audit level. If the dispute is not resolved at the audit stage, a notice of objection can be filed with the CRA Appeals Directorate (appeals process), fast tracking to the Tax Court of Canada, or through the MAP article of Canada's bilateral tax treaties (MAP process).\nAs a caveat, the appeals process does not resolve double taxation unless the CRA overturns the adjustment in full. For this reason, most TP cases are resolved through the MAP process, which provides a high success rate in alleviating double taxation. In 2016, 72% of closed MAP cases resulted in full double tax relief, according to the 2017 APA programme report.\nIf relieving double taxation is not the primary concern, taxpayers may prefer the appeals process. This may be relevant in cases in which a (non-resident) corporation is at a loss, or is located in a low-tax/no-tax jurisdiction. The preferred way to resolve audit disputes will depend on a number of factors. There were 160 MAP cases closed in 2016, compared to one tax court judgment in 2018. At the time of this writing, there have been less than 10 TP tax court cases in Canada's history.\nThe attitude of Polish policymakers and tax authorities towards transfer pricing and aggressive tax planning has changed significantly in recent years.\nKey focus areas\nSome of those changes have been legislative, and include the introduction of all internationally recognised standards regarding the exchange of information, anti-abuse and compliance into domestic law (that usually go further than the OECD's BEPS recommendations), the implementation of foreign corporation rules, a general anti-abuse rule (as of 2016), as well as new reporting obligations for tax audit selection purposes or mandatory disclosure rules (ahead of the deadline in the EU directive).\nOrganisationally, a large number of officials have been re-directed from VAT fraud audits to investigating corporate income tax (CIT) and TP cases. Changes have been implemented across local tax offices, right up to the Ministry of Finance, with the creation of a dedicated transfer pricing department to increase tax officials' TP proficiency. In outlook, the focus of audits has shifted to concentrate on specific, previously identified risk areas.\nThe resulting impact is that the overall value of TP/aggressive tax planning assessments in Poland increased exponentially from PLN 10.7 million in 2015 ($2.8 million), to PLN 650 million in 2016, and PLN 2.3 billion in 2017. The focus areas are consistent with those observed in other EU/OECD countries: restructuring, financial transactions, and intragroup dealings (primary business activities, intangibles and management fees).\nInteractions with tax authorities and recent audit and APA trends\nThe level of professional discussion with auditors has improved, while significant central support from the Ministry of Finance is provided to auditors to properly address issues.\nThe administrative course of TP proceedings is different in practice (although not formally) to CIT cases. In 'usual' cases, taxpayers appeal the initial assessment (undertaken at the local tax authorities level) to the tax courts, which is followed by a court proceeding.\nThe outcome of appeals at the tax court level appears quite random in TP cases. Like most other countries, Poland's tax administrator takes the position that the court's decision (irrespective of its conclusion) is binding on the treaty partner's authorities, effectively denying taxpayers the ability to file an MAP request. Therefore, an unfavourable court decision may result in double taxation.\nIn TP cases, it is highly recommended that taxpayers actively manage the audit process. Once a decision is issued, MAP proceedings are more effective and predictable than the ordinary controversy route. Furthermore, Polish domestic law since 2006 has allowed the use of APAs to manage TP risk, seeing a rise in the popularity of APAs.\nThis increase in TP risk has been accompanied by the imposition of severe personal penalties on management personnel, and broadened compliance obligations. For example, from January 2019, a Polish company's management board will be obliged to file a statement (under personal penal responsibility) that the company's TP documentation is complete, and the TP charged by the company are at arm's length.\nDisputes with tax authorities may arise surrounding the functional profile of parties, rising costs, or the validity of the comparables data used. Even a small change in the parameters of a transaction can translate into a high assessment and become the personal responsibility of the board of directors.\nThis increased risk has been enhanced by a new tax law, introduced January 2018, which denies the deduction (for CIT purposes) of any payments for intangible services or property in excess of PLN 3 million, plus 5% of earnings before interest, tax, depreciation and amortisation (EBITDA). The CIT Act provides only two exceptions to this rule:\nThe taxpayer is able to prove that the intangible service/intangible property is \"directly connected\" to the manufacturing of products or to services provided; or\nThe transaction is covered by an APA.\nGiven the second exception, taxpayer interest in APAs may rise, which may potentially lead to an increase in the average completion time for APAs, unless the Polish tax authorities expand the capacity of the APA team.\nHistorically, TP investigations were the core function of Chinese tax authorities and the primary method to enforce tax administration. However, there has been a gradual shift: China's State Administration of Taxation (SAT) now encourages local tax authorities to assist taxpayers in improving their TP compliance in advance, rather than focus on conducting investigations.\nIn order to identify potential TP risks, the Chinese tax authorities have actively explored the use of computer analytic tools. In 2018, the tax bureau of Jiangsu province launched a risk profiling pilot programme, distributing upstream and downstream financial information request forms to 150 multinational companies. This represented unprecedented access to global information, and enables the local tax authorities to perform an assessment on the allocation of profits within the multinational group.\nBased on that assessment, each taxpayer is categorised according to a particular risk profile. Taxpayers assigned a higher-risk profile are identified, and cautioned to revise their related-party transaction pricing policy. This initiative is expected to be rolled out shortly in 10 other Chinese cities, and nationwide within the next three years.\nAccording to China's Advance Pricing Arrangement Annual Report for 2016 (issued December 2017), the Chinese tax authorities signed 14 APAs in 2016. Eight of those agreements took less than a year to complete, and six took three. The number of completed APAs has steadily increased each year, and is expected to continue to rise. As of December 2016, 301 APA applications were being evaluated concurrently, and 139 cases were at the signing phase.\nKey focus areas\nIn recent years, the Chinese tax authorities have focused on issues such as location-specific advantages (LSAs), the local economic ownership of intangibles, and restructuring transactions.\nChina's tax authorities have particularly emphasised value chain analysis, which advocates function and risk review of all entities involved in related-party transactions, and then assesses the profit allocation among those entities. This may sometimes result in the utilisation of the profit split method for transfer pricing adjustments to account for local non-routine contributions.\nThe increased focus on intangibles applies not only to technology but also to marketing intangibles. By examining the economic substance of a transaction (primarily the location of people, functions, associated assets, and actual control over risk) the Chinese tax authorities have attempted to scrutinise the potential creation of local intangibles by taxpayers. If the Chinese tax authorities determine that local intangibles have been developed, an appropriately determined portion of the residual profit would be demanded as an allocation to China.\nChinese entities that are compensated with routine returns while creating non-routine value (from the Chinese tax authorities' perspective) in the form of certain R&D, brand building or market-penetrating activities, have been in the spotlight. In those cases, compensation based on the cost plus method would not be satisfactory to Chinese tax authorities.\nInteractions with tax authorities and recent audit and APA trends\nThe Chinese tax system can be depicted as a triangular system:\nDistrict and municipal-level tax authorities deal with day-to-day TP management and investigations;\nProvincial-level tax authorities are responsible for reviews and approvals on local enforcement; and\nThe SAT's anti-avoidance division is responsible for the formulation of legislation, national audits and negotiations with competent authorities.\nAccording to recent observations, many local tax authorities have shown a more open-minded attitude when communicating with taxpayers, and encourage taxpayers to make voluntary 'self-adjustments' before the authorities initiate formal investigations and adjustments.\nOnce a TP audit is formally initiated, the time frame for conclusion is difficult to predict and depends on a number of factors. For cross-border related-party transactions between entities in China and a treaty country, TP adjustments are allowed through MAPs to avoid double taxation. Chinese tax authorities are actively involved in more MAPs, and have not only increased the number of competent authority (CA) meetings, but also the efficiency and effectiveness of the negotiations.\nA trend observed recently is the accelerated speed with which TP negotiations have been conducted. According to the APA annual report for 2016, successful APAs in 2016 were mostly concluded within two years of the filing of an application. Unlike other jurisdictions, China does not allow Chinese companies involved in a TP audit to apply for an APA for the years under investigation.\nIf a taxpayer disagrees with a TP adjustment, disputes may be resolved through an administrative appeal or litigation. In reality, there is limited chance of success in an administrative appeal for TP audit cases, not to mention litigation. Nonetheless, in case of a TP adjustment, a corresponding adjustment is allowed through the MAP process to avoid double taxation.\nBased on the issues discussed in this article, tax authorities are taking a more proactive approach regarding the management of transfer pricing risk. Increasingly, tax authorities are placing importance on the economic substance of related-party transactions, as opposed to the contractual and legal obligations of those transactions.\nAs tax authorities become more sophisticated in their identification of TP risk through further investment in technology, the importance of ensuring appropriate TP outcomes will become even more prominent. APAs have become an important tool in assisting taxpayers to obtain certainty on future related-party transactions, and the MAP process can be useful to eliminate double taxation.\n© 2019. For information, contact Deloitte Touche Tohmatsu Limited.This communication contains general information only, and none of Deloitte Touche Tohmatsu Limited, its member firms or their related entities (collectively, the \"Deloitte network\") is, by means of this communication, rendering professional advice or services. Before making any decision or taking any action that may affect your finances or your business, you should consult a qualified professional adviser. No entity in the Deloitte network shall be responsible for any loss whatsoever sustained by any person who relies on this communication.\nTel: +1 905 315 6731\nMobile: +1 416 420 4977\nTony Anderson is a partner and economist who leads Deloitte Canada's transfer pricing practice.\nTony has over 22 years of professional experience as a transfer pricing specialist with Deloitte. He has assisted numerous multinational companies across various industries establish and defend their transfer pricing policies before the Canadian and foreign tax authorities through audit defence, appeals, litigation, competent authority and APA cases. Tony has been involved in and led successful dispute resolutions in over 50 transfer pricing controversy cases.\nIn addition to leading the preparation of both the economic and functional analyses for documentation and tax controversy purposes, Tony has been significantly involved in strategically evaluating, planning and implementing tax and business efficient transfer pricing policies.\nTony is a chartered financial analyst (CFA), and holds MA and BA degrees in economics. He has been a speaker at various transfer pricing conferences organised by the Institute for International Research, CITE, and Acumen, as well as various Deloitte tax and transfer pricing seminars.\nTel: +1 905 315 5795\nAlex Evans is a Senior Manager with Deloitte's National Transfer Pricing team in Canada. Alex holds a Bachelor's degree (honours, with distinction) in Commerce from McMaster University and is a member of the Chartered Professional Accountants of Canada and the Canadian Tax Foundation. Alex has assisted numerous clients across various industries establish and defend transfer pricing policies to the Canadian tax authorities. Alex provides services to Canadian headquartered multinationals, as well as many Canadian subsidiary companies of foreign multinationals, primarily in the manufacturing and technology sectors. Alex has also authored or co-authored articles appearing in publications of the Canadian Tax Foundation, International Bureau of Fiscal Documentation (IBFD), Bloomberg, Deloitte's Arm's Length Standard newsletter, Deloitte Canada Transfer Pricing Alerts, and was acknowledged for contributions to an article appearing in Euromoney's Transfer Pricing Advisers Expert Guide.\nTel: +48 662 288 424\nMariusz Każuch is a director with Deloitte Poland. He has been involved in the negotiation of numerous advance pricing agreements, MAP cases, and controversy cases for multinationals operating in various industries, including the energy, automotive, consumer goods, banks and entertainment sectors.\nIn 2016 and 2017, Mariusz served as deputy director of the department at the Polish Ministry of Finance responsible for MAP and APA negotiations, and transfer pricing policy and legislation. Before that, Mariusz was deputy director of the tax policy department (MoF) responsible for tax policy, double tax treaty negotiations, and international cooperation. Mariusz supervised the negotiation of more than 50 international agreements, including 36 income tax treaties.\nMariusz is the author of the special petroleum fiscal regime in Poland and co-author of the copper and silver extraction tax law. While with the tax authorities, he participated in many fiscal projects, including training the Zambian and Kenyan tax authorities on the tax policy for extraction of mineral resources.\nHe gained practical experience in fiscal audits during his years as a tax inspector specialising in the insurance and banking sector.\nTel: +48 22 511 09 65\nMobile: +48 691 898 725\nRafał Sadowski is a partner in Deloitte Poland's transfer pricing team. During 18 years of professional career, he has gained extensive experience in fields like business restructuring, risk management, and transfer pricing litigation projects.\nRafal's areas of interest include: intra-group transaction planning, transfer pricing aspects of business restructuring, and transfer pricing litigation. He has significant experience in proceedings on advance pricing agreements (APAs) and mutual agreement procedures (MAPs).\nDeloitte Poland's transfer pricing team was awarded International Tax Review's 2014 and 2015 award for Transfer Pricing Firm of the Year. Rafał has been recognised by Euromoney/Legal Media Guide as one of the world's leading transfer pricing advisers. He works for major clients in a number of sectors including: FMCG, automotive, banking, insurance, retail, energy and pharmaceuticals.\nHe Lian Tang\nTel: +86 10 85207666\nMobile: +86 18611158819\nHe Lian Tang is a partner and leader of Deloitte China's transfer pricing practice. Before joining Deloitte, He worked for China's State Administration of Taxation (SAT) for 28 years, serving as chief of the anti-tax avoidance division in the international tax section, and as chief of the third office of large enterprise taxation administration section (management of tax risks of large enterprise). He had been engaged in taxation regarding offshore oil since 1984, and has extensive experience on international tax services and administration, especially in the oil industry.\nSince joining Deloitte China as a transfer pricing partner, He has served various clients, including large state-owned enterprise groups, private enterprise groups in China, and large multinational enterprise groups from Europe, Japan, the Republic of Korea, the US and other regions. He has assisted those clients in establishing global transfer pricing policies and designing tax risk management systems in response to the challenges and requirement of BEPS, applying for unilateral/bilateral APAs and providing transfer pricing advisory service and MAP services, which has gained him the trust and respect of both tax authorities and enterprises.", "label": "Yes"}
{"text": "Meet 40 German companies\n21 – 25 February 2014\nBIEC Bangalore International Exhibition Centre, India\nWelcome to the presentation by the Federal Republic of Germany at Indiawood!\nThe Indian timber industry has great opportunities for the future. By international standards the country is still developing at a fast pace. With the growth of the economy the living standard of the population continues to improve. The future market for floor coverings and furniture is enormous. Thanks to low costs of production Indian products are competitive in the global market.\nGerman manufacturers of woodworking machinery lead the world in the field. They offer much more than just the machine: Thinking of themselves as partner to the timber industry, they offer their know-how and their detailed knowledge of production procedures, beginning with the investment decision and throughout the entire utilization period of the machine.\nAt the official information stand at Indiawood our experts will be only too happy to supply you with information and advice on the wide range of products associated with this industrial sector. The Association of German Producers of Woodworking Machinery will also be glad to provide you with details of the companies participating at the exhibition and on this sector of industry in general.\nGreCon Greten GmbH & Co. KG\nSpark Extinguishing System\nBooth number: H1UL B204\nBooth number: H1UL B203\nRENOLIT COVAREN PRINTS\nBooth number: H1UL A101\nRiepe GmbH & Co. KG\nRIEPE chemical products\nBooth number: H1UL C303\nWemhöner Surface Technologies GmbH & Co. KG\nShort-cycle Press Line with EIR Technology\nBooth number: H1UL A102\nWandres GmbH micro-cleaning\nBooth number: H1UL A106\nCOMFORT II from Kesseböhmer - new spice rack for even more storage space\nThe Kesseböhmer development team for the new \"Comfort II\" base unit pull-out included product designers, engineers and professional cooks. The outcome of this productive and successful cooperation is an under-the-counter larder unit pull-out that is practical and extremely user-friendly. ...\nThe perfect edge\nWorld first from Festool: CONTURO - the first mobile edge bander with unique cartridge gluing system In February 2014, Festool is launching the new CONTURO system onto the market - a hand-guided electric power tool for edge banding and a complete system solution to create the perfect edge with ...\nOptimised Medium-Pressure Spraying Technology\nAgainst a background of more stringent requirements in regard to quality, environment protection and cost effectiveness, neither conventional paint spraying technology nor HVLP is the optimum solution for many users. This gap has now been closed with the introduction of medium-pressure spraying ...", "label": "Yes"}
{"text": "Peer-to-peer atomic swaps between Monero (XMR) and Bitcoin (BTC) are now enabled on mainnet, according to COMIT Network, an open protocol that enables ‘trustless’ cross-blockchain applications. Users can trade XMR for BTC without having to trust a middleman or the trading counterparty. Users can trade more simply without having to go via a regulated financial institution.\nThe Monero cryptocurrency is well-known for its privacy and fungibility. Monero, unlike other cryptocurrencies, conceals the sender, receiver, and transaction amount for all transactions. This lets it to expand its privacy safeguards to include more transactions than Bitcoin, Ethereum, and all other “privacy coins” combined.\nAtomic swaps are presently available on COMIT Network, however other teams are working on comparable projects, such as:\nHaveno, a Monero-focused fork of Bisq, is introducing atomic swaps for its XMR/BTC trading pair.\nFarcaster, to build up a similar trustless atomic swaps system, the Farcaster project raised 2727 XMR (about $650,000 today).\nRelatedly, Cross-chain bridges for Secret Network and Thorchain have also been released, allowing for seamless trade with Ethereum and Binance Smart Chain tokens.\nTrading options are limited. Despite rising retail user demand for private and fungible money, these decentralized exchanges are in high demand. There are more than twice as many Monero transactions per day than there were a year ago.\n“Now that the decentralized Monero exchange technology is out, it’s a race for wallets to give the greatest user experience,” says Justin Ehrenhofer, a Monero Space organizer. “With such tremendous user demand for simple and private peer-to-peer exchanges, it’s only a matter of time before wallets adopt them in a big way.”\nA few well-known Bitcoin and Monero wallets have expressed interest in atomic swaps. Earlier last month, Samourai Wallet and Monerujo executed a test swap, and Cake Wallet has expressed interest in implementing atomic swaps.", "label": "Yes"}
{"text": "Peoria has a big complex, err… coming to town. Like most area residents, news that happens in Peoria or around it is done with cannonball into the pool type fashion. You don’t hear it, or see it coming, you just feel the giant splash of water after the fact. Such is the case with the new sports complex that has been unveiled [Big News].\nRecent reports indicate a brand spanking new facility that will have state of the art baseball fields and a full-service dome will be built out in the hinterlands near The Shoppes at Grand Prairie. On the surface, this looks like home run and a big win for a city that needs more runs on the board. However, looks can be deceiving from where you sit, and sometimes what looks like a home run often gets caught at the wall on the warning track.\n*Disclosure* I played sports growing up, baseball in particular, on a youth traveling team to be even more specific, and have endured my fair share of road trips to towns around the Midwest because of this.\nNew development, especially that of sports fields in a family-friendly city, is always big news [Read Story]. Development attached with a household name that can lead to 250,000 new visitors to the area per year, possibly fuel more development, and leading to the spending of visitors discretionary income is always seen as a good thing. I can’t argue this myself, but how we build our environment to handle such matters affect those who live here on a full-time basis and subsequently have to foot the bill before, during, and after.\nJust a short while ago, we read in pain that Walmart was seeking to take a divot out of the greenspace known as the Peoria Public Stadium [Story]. A parcel of property 82 acres in size, encompassing a football field, track, softball fields, playground, and open space was going to be a new location to buy everyday, low-priced items.\nBelieve it or not, this didn’t excite the masses [Facebook page]. While this activity centered around the Peoria Public School District, Park District and the evil empire from Arkansas, it brought to the forefront that our environment, recreation and consumerism are often at odds. And of course, I even provided my own take on that then [Middle Ground].\nUltimately, there has to be a new approach to development in Peoria. It needs to happen in order to ensure the viability of projects and to ensure the financial sustainability of the City itself for many moons to come. Yet, it seems that we put this out of our minds and move on to the next at bat but forget what we learned from striking out before.\nThis proposed development, now with the Louisville Slugger name attached has everyone all aflutter. Love the product myself. Love what athletics can do for kids. Don’t love the proposal as much.\nLet’s take a look at this from the nose-bleed seats…\nYesterday, the Planning Commission voted in favor to allow the public to be informed before approving the annexation of 34 acres for the proposed development [Story][updated, thanks Nick]. Any approvals the Planning Commission sign off on still have to go before Peoria City Council for final approval. According to the initial story, this comes with a $9.6 million bond (which could get repaid by the proposed hotel revenues) and an increase of local sales taxes from 6% to 9%.\nOk, well how much money is this going to bring in? Around $900,000 of new revenues each year. Not bad. But you have increased taxes and have a big amount in a bond hanging out there which is contingent on the hotel paying it back.\nBatter steps out of the box…\nBut wait, I thought that the County was going to need to increase taxes by 1% on the School Facilities Tax to make repairs to the Peoria Stadium [That Story]? Confusing indeed. That whole ordeal has been getting ironed out behind the scenes. Both of these situations may lead to increases in debt and higher taxes all around.\n…Steps back into the box, slider just misses – Ball One\n“I don’t think it’s an overstatement to say this project is probably going to have the biggest impact on our community since this building was built.”\nThat statement was in reference to the Civic Center, which has done a great deal to bring events, conferences, and people to downtown, but hasn’t necessarily induced the projected positive development it had touted 30 years ago – it just remains an amenity (see: dead downtown).\n…Fouls pitch off deep down the left field line – Strike One\nBuilding by Grand Prairie makes a lot of business sense for the developers of this complex. According to the Travel Industry Association of America, the Top 10 Activities of Domestic Travelers are:\n- Shopping 31%\n- Outdoor Recreation 14%\n- Historical places/museums 13%\n- Cultural events 9%\n- Beaches 8%\n- National/state parks 8%\n- Nightlife/dancing 8%\n- Gambling 8%\n- Theme/amusement parks 6%\n- Sports events 5%\nMore fun facts and statistics in this PDF.\nPeoria sells its proximity to bigger cities based on the drive time it takes to get there. The map we’ve all seen looks like this:\nBut let’s face it. Those visitors from afar are coming in on a highway to their hotel, dropping their bags, playing 2-3 games per day for 2 days or so, shopping and eating – then leaving. Is this the “real” Peoria experience? Probably not. They might go into town if they are so inspired, but there would have to be real good reason to do.\nAs urban historian and observer Jane Jacobs put it,\nAlmost nobody travels willingly from sameness to sameness and repetition to repetition, even if the physical effort required is trivial.\n…Curve ball, just outside – Ball two\nAs we dive deeper into what is located in and around The Shoppes at Grand Prairie – a different story gets told. All of those chain stores, big-box retailers, fast-food restaurants and national hotel chains that are located near where the proposed development is planned aren’t local businesses. Yes, they are situated here locally, but their headquarters (where the money goes at the end of the day) is somewhere else besides Peoria, besides Illinois for that matter…\nThis is where the same mentality we’ve had for years has led us astray. Reports, studies, and too much information to comprehend, has come out in recent years indicating that our economic formula of modernist style development doesn’t breakeven in the long run. Having just gone through Small Business Saturday we all know this:\nChain restaurants return only 37% of their revenue to the local economy, compared with independent restaurants which return 56% in wages, locally purchased goods and services, profits, and charitable donations\nThis concept is better known as the Economic Feedback Loop. Those stores and restaurants, while they may offer variety and a service, build a bad economy (read: not just financially, but what they do to the community at-large). One that reduces the amount of money actually kept in YOUR TOWN. So, although I personally don’t prefer them, I may still spend money there BUT creating a sea of visitors in that space will ultimately reduce the total economics in your city by forcing them to shop there.\nAnd on their way out of town they’ll probably stop off in Morton and grab a bite at a fast-food restaurant there before making it out of the region. While this may almost certainly achieve an increase in sales tax revenues, it doesn’t solve our long term situation. That’s why we make PSA’s like this one or hold press conferences like this one.\n…Changeup caught the corner – Strike Two\nIt’s not that I bring attention to past things that were said to call anyone out, quite the opposite. I use these examples to show WE KNOW BETTER, yet we still continue the humdrum and contradictory status quo developments because it looks good and sounds good.\nFrankly, it is still good news – great news if we go back up to our bird’s eye view seats and watch the whole game. This interesting at bat with the game on the line has made things more interesting.\nSteps back out of the box and looks down to the third base coach…\nPeoria has the opportunity to increase land value, increase the quality of life, attract many visitors, provide jobs, and gain sales tax revenues. Wow, that’s a lot to take in.\nWhat about that old stadium that will still need renovations or a new idea to bring that space back to life?\nIt is closer to the downtown you are trying to revitalize, neighborhoods that have stagnated in value, other amenities, and serves a greater population than just visitors. That will still have to be looked at again won’t it? Yep.\n…Takes the signal steps back up to the plate\nWhat if instead of raising taxes at both ends, one for renovations to the school/park facility and the other for annexing land… what if instead of allowing a corporate entity to take over what is sacred ground to citizens… and what if instead of creating a brand new facility on the outskirts of town, why don’t we take an altogether different approach to maximize our strength?\nThere are 82 acres at the site of the Peoria Stadium. This proposed development needs 24, maybe a little more as time goes on. Perfect! The land that currently serves as a recreation space can get a breath of fresh air and updating it needs. It solves District 150’s financial woes and reduces the workload for the parks department. Add in this proposed hotel and you have provided jobs closer to the people who would work there.\nWe want to create better performing space while preserving the integrity of our city right?\nAs far as preservation goes, it may not keep the football field and softball fields intact as they are today, but they can get the financial boost they need to become economically stable once again. This reduces the burden on taxpayers all around. It is what public/private partnerships could be. While those fields may be busy come game day or tournament time, they sit empty for a majority of the time. This is space that can be open to the public the remainder of the time, not just open for visitors.\nThe wind up…\nLet’s not further the sprawl mindset. This complex is great news. I’ve struggled to put it into words until now. The games I played in, and the comradery formed when we were kids still is talked about in folklore today [Great Movie]. The word about developments like this get fed to us at different times so it’s often hard to tell what the entire meal tastes like.\nPeoria can be more than just a spot that is in close proximity for teams from Iowa, Missouri, Indiana, Wisconsin and our own state come to and fully enjoy. Make Peoria a place that they feel has some authenticity and they want to come back to it regardless of if there is a tournament in town. This option laid out now doesn’t do that. It furthers the mentality that has plagued us for decades (see: reason for Focus Forward CI). It incurs costs not only on this development, but future ones, and ones that are currently in the works. All of that AND it puts less $$$ back into the pot at the end of the day.\nAre we going to swing for the fences and not have enough power to get it over? Or, are we going to play the game smart enough to still get the winning run in?\n…maybe it’s time we get creative.", "label": "Yes"}
{"text": "World Bank News Release: Loan and Credit Summary\nWASHINGTON, June 19, 2018 - The World Bank’s Board of Executive Directors today approved the following project:\nUttarakhand Workforce Development Project:\nIBRD Loan: US$74 million\nTerms: Maturity = 17 Years, Grace = 5 Years\nProject ID: P154525\nProject Description: The program development objective is to help improve the quality of training at select Industrial Training Institutes (ITIs) and increase the number of labor-market-relevant workers through short-term training in Uttarakhand.", "label": "Yes"}
{"text": "CINCINNATI — Deer Park Roofing has announced the acquisition of a Louisville, Ky. roofing company as of Sept. 30.\nFackler Commercial Roofing, located at 605 Marret Ave., will now be known as Deer Park Roofing after the acquisition. Terms of the sale were not disclosed.\nDeer Park Roofing President Nick Sabino said this is his company’s first acquisition, and is prepared to look at other opportunities if it enables Deer Park Roofing to better serve its customers.\n“This acquisition should help us service a number of customers that have properties in the Louisville area more efficiently,” said Sabino.\nFackler Commercial Roofing is expected to expand its staff of eight by at least 50 percent in the next year. Its owner, Stephen Fackler, has been in the commercial roofing industry for 41 years.\nDeer Park Roofing, located at 7201 Blue Ash Road, was founded by Sabino in 1996. The business has 133 employees serving Ohio, Kentucky and Indiana and took in $20 million in revenue in 2018.", "label": "Yes"}
{"text": "Fewer vacant stores by end of 2022: BRC - LDC Vacancy Monitor, Q4 2022Date published: 2023-01-27 Date modified: 2023-08-14\nLocal Data Company The Local Data Company 901 901\nLocal Data Company is the UK’s most accurate retail location insight company. We physically track every retail and leisure business across the entire country. Our data powers strategy and decision making for our clients working across retail, leisure, out-of-home media, investment, property and financial services.", "label": "Yes"}
{"text": "The Fed has been acting as a buyer of last resort for almost 15 years when it comes to US Treasury bonds. Quantitative easing brought balance sheet expansion, and particularly through SOMA (System Open Markrt Account) the Fed has been acquiring a very important percentage of all treasury issued for years. That was key during the pandemic when the Fed expanded its balance sheet almost as much as it was issued. In June 2022, however, the Fed announced quantitative tightening, and it’s no longer the buyer of last resort and it’s letting its SOMA portfolio run off, while the treasury needs to issue more debt to cover the fiscal deficit. The result is the alligator chart you see below. As a consequence, the whole treasury yield curve, with the exception of the Overnight bucket that is controlled by the FOMC, is moving up, to adjust to the new reality, where the supply is far bigger than demand.\nWant to know more? join Fund@mental here https://apps.apple.com/us/app/fund-mental/id1495036084", "label": "Yes"}
{"text": "Verizon and AT&T have jumped head-first into the shallow end of the social networking pool. The companies will charge consumers up to $35 per year to access unpopular social networking sites, a feature they’re respectively billing as “SocialLife” and “My Communities.” Not part of your social life or your community: Facebook.\nVerizon will charge $17.88 per year for their service, a bargain compared to AT&T’s $35.88 fee.\nRob Hyatt, executive director of premium content for AT&T’s wireless division, said a service like “My Communities” would be helpful for novice users who are not as familiar navigating the mobile world as they are online. The new services also give much needed exposure to sites that might otherwise be overlooked, he added.\nTranslation: We’re going to overcharge ignorant people to access unpopular social networking services.\nTo us, it’s just another sad example of cellphone companies trying to beat cash out of consumers in exchange for half-baked features that kinda resembles what they want, but still manage to entirely miss the mark.\nWe’re not sure why anyone would pay to access services like AsiaAve, BlackPlanet and MiGente, Faithbase, or GLEE, when they could access more popular services through their web-enabled phones.\nBe social and tell us what you think in the comments.\nAT&T and Verizon Wireless Offer New Services for Friends [Bits]", "label": "Yes"}
{"text": "Jobs 1 - 10 of 4481 ... 4481 Jobs available in Melbourne, FL on Indeed.com. one search. all jobs.\nSearch Melbourne jobs and find great employment opportunities. Browse Monster's collection of full time and part time jobs in Melbourne, Florida and build your ...\nSearch and apply for Jobs in Melbourne, FL hiring now on CareerBuilder.\nCompletion of a City employment application is required. A separate application is required for each position. A résumé may be included with the employment ...\nJobs 1 - 15 of 676 ... 676 Full Time jobs in Melbourne, FL are available at Snagajob. Melbourne Full Time employers are now hiring. Find your next job today!\nSearch Melbourne jobs today with Snagajob. We're your source for hourly jobs in Melbourne. Employers are hiring right now. Let's get started!\nJobs 1 - 15 of 724 ... 724 Part Time jobs in Melbourne, FL are available at Snagajob. Melbourne Part Time employers are now hiring. Find your next job today!\nspace coast jobs - craigslist. ... favorite this post Apr 28 Melbourne Independent Contract Courier (Melbourne, FL) pic map hide this posting restore restore this ...\n3817 jobs in Melbourne, FL. Find your next opportunity on Simply Hired. New jobs are posted every day.", "label": "Yes"}
{"text": "Think Niall Harbo Harrison revealed to twitter that he’d deleted his Facebook account recently. Some domino effect\nWas there ever a good time to be in Twitter stocks?\nFacebook is dead, I’d like to see the break down of the age profile of their users. I’d hazard guess they have a very small share of the under 25 market. Yes they have Instagram and WhatsApp too but I’d imagine both of those are far harder to monetise than Facebook.\nThat utter cunt Garry Vee always said Snapchat was king. Jab jab hook\nThe last year was pretty good for TWTR, up 100% even with today’s decline.\nAgree on Facebook.\nThe trump factor. They still can’t make money out of it though\nAll their growth in subscribers is gone after they removed the fake accounts.\nHe called FB dead yday\nFB is dead a couple of years now.\nI had to join wechat this morning to be accessible to some Chinese investors. Feeling mugged off ever since\nIs that the one where you can send money to other wechat users? Its a big thing in China\nI wouldn’t be leaving that on a work machine or using it to transfer any sensitive information.\nI’d say the average age of a FB user nowadays is about 60.\nBit of a rebound from Tesla after better than expected results. Cash burn rate has slowed to $750m per quarter.\nTesla has turned the corner. Great set of results last night, shares up 10% in after hours trading. Musk even apologised to the analysts he made shit of.\nApple has just become the world’s first trillion dollar company.\nIncredible company. To maintain their dominance for this long when they actually design and sell things, and not just ads, is pretty amazing.\nMasters of marketing.\nThere’s so much to admire, from the marketing to the design to the supply chain.\nThey simply will not allow their products to become cheap tat worldwide. They won’t sell anywhere that they have to give up their price edge. Their power is amazing, I know that for years the Irish phone companies had to pay upfront for the devices.\nI find it amazing how they’ve brainwashed so many people into buying their products that are inferior to competitors but yet paying a premium to do so. You cant but admire this.", "label": "Yes"}
{"text": "Friday, 25 July 2014\nLast updated 1 hour ago\nDec 11 2007 | 9:34am ET\nA pair of high-profile activist hedge funds have taken aim at Europe’s largest consumer-electronics maker, aiming to improve “operating performance and capital structure.”\nD.E. Shaw Group and Jana Partners said this weekend that, together, they had acquired 1.6% of Royal Philips Electronics. The hedge funds did not elaborate on their plans, only saying they will “act together to jointly communicate their views, publicly or privately, regarding operating performance and capital structure.” Het Financieele Dagblad, the Dutch business newspaper, said the hedge funds plan to enter talks with Philips.\nFor its part, Philips told Bloomberg News that it holds “frequent” discussions with “a great many” shareholders, but would not say if it had spoken with D.E. Shaw or Jana.\nJul 8 2014 | 10:48am ET\nThe surge in derivatives regulation is among the most complex challenges facing the financial services industry today. Northern Trust’s Joshua Satten recently spoke with FINalternatives to share insights into the challenges presented by new regulation and explore how the industry is responding. Read more…", "label": "Yes"}
{"text": "- A firefighter’s plan to save lives and employ brothers Yahoo! Small Business Advisor\n- The North Star to Guide Your Startup: Core Values Entrepreneur\n- What I Learned From a Two-Year IRS Audit Entrepreneur\n- Customer and Market Research – Necessary but Overlooked steps for the Entrepreneur Yahoo! Small Business Advisor\nI want to refinance but I'm upside down and non-FHA, so what are my options?\nI owe 163K on a house currently estimated at about 125K, and slowly, very slowly increasing in value. I called my own mortgage company about a refi or modification and apparently qualify for neither. Due to some very cleverly worded phrases by the originators of the loan, my house payment is now $400 more per month than it was when I got it 3 years ago.\nAlthough the bank says I can afford it, that won't be the case for long. I don't want to lose it and the four times that I have called to see if they will work with me, they just keep saying that I have to be behind on the payments. I don't want to mess up my credit score, so does anyone know of any other options?\nYou are out of options. You need to sit tight until your balance is less than the market value. If you need to, take in a renter to help you pay the mortgage.3 years ago\nYou can't refi without satisfying the original loan. So the only way to do that is to bring the cash to the table to make up the difference.by the kid - 3 years ago", "label": "Yes"}
{"text": "27th Signal Processing and Communications Applications Conference (SIU), Sivas, Turkey, 24 - 26 April 2019\nA persistent socio-cultural problem of mankind is \"poverty\", which requires accurate characterization in order to construct well designed policies for intervention. Unfortunately, the categorization along the poverty - wealthiness scale is not simply determined by applying surveys. Population is large, subjective opinions are usually biased, and available data are only indirectly related. In this paper, we attempt to identify poverty levels using feature selections from these indirect observations and machine learning techniques. In poverty assessment, similar to many other classification problems, it is crucial to know how any feature contributes to the classification of each class of poverty. We designed an approach that (1) extracts a subset of features that best characterize each poverty class, (2) examines how this subset affect the chosen class and finally (3) employ ensemble models. In this research, we adopt the Proxy Means Test (PMT) for labeling the data that was obtained from the Inter-American Development Bank of Costa Rica. Through this approach we analyze poverty classes within a multidimensional feature space perspective, contrary to the classically used single dimensional perspective defined as \"living on a consumption expenditure of less than the predefined income threshold\". The application and usefulness of our proposed framework is tested on the mentioned dataset using 85-15 data folding.", "label": "Yes"}
{"text": "The sanctions have lowered Russia’s trade statistics with the West, but by the end of 2022, goods turnover with friendly countries will break all records. FCS First Vice-President Ruslan Davydov said how long it took for exporters to rebuild logistics after the restrictions were introduced, how customs are dealing with increased cargo flows at checkpoints, and whether it is necessary to wait in line at the Russia-Georgia border during the holidays. He said in an interview with RIA Novosti. Interview with Mila Kuzmich.\n– As we know, 12 new lines have recently been opened in Upper Lars, one of the most famous checkpoints on the Russian border. Have the problems there been resolved now? No more queues?\n“We monitor the work of all checkpoints on a daily basis. Up Lars, of course, is one of the troubled ones. At this border crossing, the reconstruction phase has not yet been completed, but entry and exit lanes for vehicles have already been introduced. They certainly help speed up the passage of vehicles. It should also be noted that there is a tunnel behind the checkpoint. If something happens in this tunnel, we can’t do anything to help.\nTo date, Verkhniy Lars is almost online for entry, and there is a stream of trucks, and unfortunately, there is a huge queue for the exit from the Russian side. In previous years, the queue was mainly for entry.\n– What are they carrying?\n– There is trade, all kinds of goods are transported from Upper Lars. In the last days of December alone, 257,000 tons of goods passed through this checkpoint. This is 65% more than in December last year. Grain, flour and cereals, wood and wood products, fuel, glass, etc. we bring And our trade continues and transit: Many goods are coming from Kazakhstan, Central Asia to Turkey, Georgia, Armenia.\n– Do you see an increase in flows in both directions?\n– Maybe there is not a serious surplus in entry to us, but there is a serious increase in exit. During the day, 600 or more trucks pass the exit.\n– So skiers going skiing in Gudauri should take time to queue there?\n– If it were possible to completely separate the flows, then of course we could talk more confidently about the passage of cars. However, this point is quite narrow and the reconstruction is not yet complete.\nBut at the customs in Upper Lars, the shifts have been strengthened, the inspection and inspection complexes are working. Together with the border guards, we do everything to ensure that cars cross the border as soon as possible and in accordance with all security measures. As we predict, if the truck flow decreases during the holidays, the cars will cross the border faster.\n– There was a traffic jam on the Azerbaijani border this year, has the situation improved there?\n– The situation at the Azerbaijan border has been corrected, all work is done online. New lines were also started to be used in Yarag-Kazmalyar, the busiest and largest checkpoint. Let’s hope next year the rebuilding, both here and in Upper Lars, will come to an end, and with it, the problems will end.\nThe highest loads in Upper Lars as well as in Yarag-Kazmalyar were in early November: a large number of cars are on the road and at the same time a large stream of trucks enters. At a certain moment, 3.5 thousand cars piled up there just to get in our place. The border guards and I agreed to an emergency program – we worked for two weeks to remove these queues.\nNow there is no problem, we have been holding for the last two weeks: the size of the queues does not reach half of the working day, it is resolved in a few hours. And right now, on New Year’s Eve, it’s completely sub-zero.\n– Will customs work non-stop on New Year’s holidays?\n– We work all the time: 24 hours a day, seven days a week. Since February, an operational headquarters has been operating at FCS where we handle all current issues.\nFor example, on New Year’s Eve, tangerines were brought to Adler, and conversations about tails immediately began. But look how many cars we let pass: In December this year, the rate of importing tangerines from Abkhazia is one and a half times higher than last year.\nThis must also be taken into account, and not only is the traffic jam inevitable during such flows, the infrastructure cannot quickly bypass all the flows. In general, our turnover with friendly countries is increasing and it is significant: 50%, even 200% in some countries, good growth in the EAEU.\n– And speaking of hostile countries: how much has the flow of goods with Europe decreased compared to the end of last year?\n– In some EU countries, the flow of goods fell by about 50%: if about three thousand trucks came to us from Europe, now about one and a half thousand arrive, including the flow through the Belarusian border.\nThere are more traffic jams at the border with Belarus than here. We talked with colleagues from Belarus – it turned out that the issue is in the problematic work of the Poles and the Baltic states.\nAre they doing this on purpose?\n– Look, for example, what is happening in Burachki – this is a checkpoint in the Pskov region, the busiest point of the border between Russia and Europe. We are ready to let 400 cars pass through there a day, and they only let us 200 cars through, at best – 250. Usually these days, we went to zero on Catholic Christmas – there were no queues. Now the queue is about 200-300 cars. We may miss more, but they don’t.\n– Where do you see more problems: in the west or east?\n– On the eastern border, on the Chinese border, we see growth in all modes of transport, even compared to pre-Covid times: both at automobile checkpoints and at ports. The number of containers under customs control exceeds all historical peaks. Now the main limiter is the capacity of Trans Siberia. Customs takes care of everything else.\nThis year will be a record trade volume with China – an increase of up to 30%. There is a huge increase in trade volume with India, more than 2.5 times, and 20% with Iran.\n– Is growth mainly driven by exports everywhere?\n– Our general trade turnover is growing mainly due to exports. Overall imports fell somewhat compared to last year, of course at the expense of Europe. Presumably, the weight reduction in imports during the year will be around 15%-17%.\n– What about the USA?\n– More than halving with the USA. Their share in our foreign trade has now fallen below 2 percent.\n– What will be the final figure for Russia’s total import and export volume this year?\n“We have already left the last year behind in terms of foreign trade turnover value. We are likely to run a record trade surplus, mainly due to export volumes. Even December will not change the overall picture for energy carriers.\nIn general, we try to treat the statistics carefully, as the volatility of the indicators is very high this year. For example, at the beginning of the year, we would have grown very fast, we would have broken records in January-February. Then, in March-April – a sharp decline. People tend to dramatize the situation, but we understood that now the work will be restructured and the work will begin.\nStability started in May and we have seen steady growth in imports since July: a systematic, steady increase in supply of 1.5% – 2% per month. Well, we are importing quite actively at the end of the year.\n– What about exports?\n– Exports decreased significantly in December due to restrictions on oil, petroleum products, gas. But when a sanctions package comes into play, it’s clear that things are set in motion. It is unreasonable for the market of the same energy carriers, which is largely speculative, to remove the Russian offer – it’s like shooting yourself in the foot or right over the head.\n– How long do you think it usually takes for exporters to rebuild the new logistics and restore the flow of goods?\n– It’s hard to judge. We have never seen anything like this in history. The measures implemented by Western countries in the spring caused difficulties in calculation and logistics. Overall, it took about two or three months to rebuild the logistics for all types of goods.\nNow we are talking about specific products: the oil group. So it’s unclear how long it will last here. But it seems to me that adaptation should be faster because oil is needed. Going east, coal too.\nYou can make various loud statements, but here, for example, in the USA there is a blizzard – 50 people froze in it. If the West does not pity its own people, they should continue to act as if they are not buying oil and gas from us. However, it can be assumed that ultimately our energy resources also reach there through third parties. If they haven’t suffocated Cuba with any blockade in 60 years, then it’s impossible for us to shut it down.\nI am Emma Sickels, a highly experienced journalist specializing in news and economy. As an author at News Unrolled, I cover the latest trends in the economic sector and provide readers with valuable insights into its complexities. My work has been featured in various media outlets such as The New York Times, USA Today, Bloomberg Businessweek and many more.", "label": "Yes"}
{"text": "On the Dec 4 Radiozine, Host Michelle Schroeder Fletcher interviews journalist and social chameleon Harmon Leon, who is known for infiltrating and exposing the weird and wonderful subcultures of America. His most recent book is The American Dream, based on his roadtrip to uncover the humorous and contradictory ways in which people from all walks of life define themselves in relation to their country. Leon's pursuit takes him from the pot fields of Northern California to reality T.V.\nHost Eva Lake interviews the artist Katherine Ace for Art Focus on December 4th. Ace is known for making still lifes which use both paint and collage techniques. Her show, titled \"Creation/chaos\" will be up the entire month of December at the Froelick Gallery in the Desoto Building in NW Portland.\nCan community trump economic hard times? Founders Joe & Pam Lietch, and Marilee Dea discuss NE Portland's newly formingColumbia Ecovillage. Community members plan to care for their 3+ acre \"food forest,\" while cultivating supportive relationships with each other, the larger community and the Earth.\nThe United Auto Workers agreed this week to adjust their contracts with the Big Three Auto Companies.\nThe Union made the move to try to convince Congress that the Auto industry deserves financial aid.\nBut many members of Congress remained skeptical about a bailout package for the auto industry.\nSenator Chris Dodd grilled executives in a hearing on Capitol Hill this afternoon, saying that the Federal Reserve could help the industry without a direct bailout package.\nKBOO's Jenka Soderberg spoke with Al Benchich, an auto worker and union member from Detroit who is heading to Washington as part of a worker's caravan this weekend.\nThe next round of state budget cuts may be setting Oregon up for even more trouble, according to the social service groups whose clients will be seeing less money to pay for services.\nFrom the AARP to Area Agencies on Aging, to the Service Employees International Union, they say the governor’s recommendation to cut human services by 15 percent will cost federal matching money and trim jobs, at a time when the state needs both.\nKBOO’s Leah Yanoff reports, in collaboration with Oregon News Service.\nThis week marks the 75th anniversary of the end of Alcohol Prohibition in the U.S.\nSome members of the law enforcement and legal communities are calling for the repeal of the current Prohibition on drugs.\nKBOO's Jenka Soderberg has more.", "label": "Yes"}
{"text": "More officers on the street figures to save money in long run\nCRIME doesn’t pay. But it sure does cost.\nThe cost of adding police officers is more than offset by the reduction in the cost of crime, says the Rand Corporation in promoting a cost-of-crime calculator that public officials can use to plan for public safety needs.\nMeasuring the cost of crime is somewhat subjective, factoring in such intangibles as an increase in “general fear” and the diminishment of quality of life. Other costs are easier to measure...\nView full article on Oklahoman.com\nHow do I get Full Access?", "label": "Yes"}
{"text": "- Subscribe NowLimited Time Offer\nJamestown pulls 999 Peachtree from the market\nAfter only three months, Jamestown is taking its 999 Peachtree tower off the market.\nJamestown had confirmed in July that it was trying to sell the building, which occupies one of Atlanta’s best-known intersections at Peachtree and 10th. It was seeking offers for the 620,000-square-foot building at more than $160 million, or almost $260 a foot.\nBut, the company said it believes delaying the sale for now would allow it to achieve a higher value for the 28-story Midtown building over the next 18 to 36 months. It also sees favorable leasing conditions in Midtown’s office market and low-cost refinancing options.\nJamestown’s decision is not all that surprising, commercial real estate executives said.\nAlthough investors have gained more confidence in Atlanta’s office market, they still have big reservations that short-term job growth can put a significant dent in vacancy rates hovering around 20 percent. It’s conceivable that Jamestown could fetch higher offers later in 2013, if the economy expands, allowing companies to grow and lease more office space.\nThat would help drive vacancy down and rents up.\nJamestown is already seeing improving fundamentals that, if sustained, bode well into next year. Rents are increasing and concessions are coming down, and those trends are likely to continue for the best assets in Atlanta, said Jamestown CEO Matt Bronfman.\nThe building’s own rent growth is also heading in the right direction, its executives said.\nJamestown’s Shak Presswala said rents on the upper floors of 999 Peachtree have increased to $29 a foot, and that continued rent growth for the overall building seems promising.\nDouglas Sams covers Commercial Real Estate\nIf you are commenting using a Facebook account, your profile information may be displayed with your comment depending on your privacy settings. By leaving the 'Post to Facebook' box selected, your comment will be published to your Facebook profile in addition to the space below.\n- Most popular\n- Twitter plans Atlanta expansion, picks Ponce City Market\n- UPS driver tosses package over gate, urinates on house (VIDEO)\n- New NCR Corp. invention could end grocery store checkout lanes\n- Microsoft to put \"innovation center\" in downtown's Flatiron building\n- Rock-Tenn, MeadWestvaco merge to create massive packaging company\n- Google Fiber coming to metro Atlanta, but who knows when\n- Georgia House leaders unveil transportation funding bill\n- Incubator for women entrepreneurs coming to Flatiron bldg.\n- Coca-Cola Enterprises to put innovation center at Georgia Tech\n- Atlanta businessmen accused of manipulating company’s stock\nSign up to receive Atlanta Business Chronicle's Morning Edition and Afternoon Edition newsletters and breaking news alerts.\nSenior Project Manager / Project Manager (CONSTRUCTION) Charles Perry Partners, Inc. | Atlanta, GA\nSales Engineer United Testing Systems | Flint, MI\nEmbedded Solutions Software Engineer Consultant-Automotive (Seattle, Peoria, Chicago )+ Accenture | Atlanta, GA\nSr. Project Manager-SW Migration-Atlanta, GA Spartan Resources | Atlanta, GA\nMaster Data Management - Business & System Integration - Manager+ Accenture | Atlanta, GA", "label": "Yes"}
{"text": "PICKERINGTON, Ohio, Nov. 30, 2011 /PRNewswire/ -- R.G. Barry Corporation (Nasdaq:DFZ) today announced that it will present to institutional investors and analysts at the 7th annual Lambert, Edwards & Associates SMID-West Investor Conference on Dec. 8 at The Palmer House Hilton in Chicago.\nSMID-West 2011 is an invitation-only event that will introduce professional investors from the buy-side and sell-side to the management teams of top-performing small- and mid-cap (SMID) companies in a one-on-one and small-group meeting format. For more information regarding the conference, or for institutional investors interested in meeting with company management, please contact Brad Van Houte at (616) 233-0500 or email@example.com.\nAbout RG Barry\nRG Barry creates and markets great accessories brands and fashionable, solution-oriented products that make life better. Our primary brands include: Dearfoams slippers ( www.dearfoams.com); baggallini handbags, totes and travel accessories ( www.baggallini.com); and Foot Petals premium insoles and comfort products ( www.footpetals.com). To learn more, visit us at www.rgbarry.com.SOURCE R.G. Barry Corporation\nSelect the service that is right for you!COMPARE ALL SERVICES\nJim Cramer and Stephanie Link actively manage a real portfolio and reveal their money management tactics while giving advanced notice before every trade.\n- $2.5+ million portfolio\n- Large-cap and dividend focus\n- Intraday trade alerts from Cramer\n- Weekly roundups\nAccess the tool that DOMINATES the Russell 2000 and the S&P 500.\n- Buy, hold, or sell recommendations for over 4,300 stocks\n- Unlimited research reports on your favorite stocks\n- A custom stock screener\n- Upgrade/downgrade alerts\nJim Cramer's protege, David Peltier, identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.\n- Diversified model portfolio of dividend stocks\n- Alerts when market news affect the portfolio\n- Bi-weekly updates with exact steps to take - BUY, HOLD, SELL\nAll of Real Money, plus 15 more of Wall Street's sharpest minds delivering actionable trading ideas, a comprehensive look at the market, and fundamental and technical analysis.\n- Real Money + Doug Kass Plus 15 more Wall Street Pros\n- Intraday commentary & news\n- Ultra-actionable trading ideas\nOur options trading pros provide daily market commentary and over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.\n- 100+ monthly options trading ideas\n- Actionable options commentary & news\n- Real-time trading community\n- Options TV", "label": "Yes"}
{"text": "The European Commission has assessed the PTD in the light of the Covid-19 pandemic and found a need for re-balancing, says Rhys Griffiths, partner and head of travel at Fox Williams\nThe European Commission published an assessment of how the Package Travel Directive (PTD) has been implemented on March 1.\nWhilst the UK is no longer a part of the EU, the report does refer to the UK in parts and will be relevant to those organisers which sell into the EU.\nThe report sets out a wide-ranging review of the PTD, picking up on scenarios such as the failure of Thomas Cook and the coronavirus pandemic. These scenarios illustrate how the PTD has been applied in practice and where problems have arisen.\nMoreover, in what will be welcome news for many organisers, the EC has signalled a clear intention to look at rebalancing the obligations of organisers and transport providers in relation to insolvency and cancellation.\nCancellations due to the coronavirus pandemic\nThe report outlines the serious impact of the pandemic on the travel industry and reminds us that the PTD provides two cancellation rights in this context.\nThe traveller may cancel the booking and demand a full refund where a three-stage test is satisfied. The organiser also has the option of cancelling and paying a full refund where it is “prevented from performing the contract” because of the pandemic.\nThe report emphasises that a blanket approach cannot be taken when assessing whether these cancellation rights have arisen. Rather, the determination must be “based on a case-by-case assessment”.\nIn carrying out this assessment, the report reiterates that official travel advice, such as that published by the Foreign Office (FCDO) is an important indicator that these cancellation rights might have arisen, but the PTD is silent on the legal value of such advice.\nThis is by design because some member states were strongly opposed to the inclusion of a reference to travel advice in the PTD.\nFor this reason the report explains that, while the original draft of the PTD did refer to national travel advice, this was removed from the PTD during the legislative process because of objections from member states.\nRebalancing of the travel eco-system\nThe European Parliament has previously called upon insolvency protection to be extended to flight-only sales so that consumers are not exposed to the failure of an airline.\nHowever, the report explains that such a failure can also affect intermediaries such as organisers because they are obliged to refund the customer if a package has to be cancelled as a consequence of an airline’s failure.\nThe EC recognises the regulatory gap in this regard and so proposes to analyse this issue in more detail to decide whether insolvency protection should be extended to flight-only sales.\nThe report also describes the unprecedented pressures suffered by organisers during the pandemic as a consequence of the cancellation and refund rights set out in the PTD.\nWhilst in normal circumstances these obligations are manageable, not least because organisers can often amend the package in order to enable it to go ahead, the pandemic meant this was just not possible.\nThis led to significant liquidity challenges for organisers as refund obligations were significantly higher than the income received from new bookings, a challenge which the EC recognises was further complicated by some airlines stopping the automatic payment of refunds to organisers.\nThe EC recognises the uneven character of the market, which it says is further aggravated by the different legal regimes which apply between organisers and transport providers and their customers.\nFor instance, whilst travellers have powerful rights to cancel and demand a full refund from organisers, they do not have equivalent rights against transport providers even where the cancellation is due to extraordinary circumstances.\nThe EC intends to look at these issues in further detail, particularly at how it might achieve “a fairer sharing of the burden among economic operators along the value chain”.\nTo this end, the EC proposes to “assess whether the differences between the PTD and the passenger rights regulations as regards insolvency protection and cancellation rights are justified or if the rules should be more aligned and whether specific rules for situations like Covid-19 should be proposed”.\nThis will be good news for organisers which have long criticised the unequal burdens placed upon organisers compared with transport operators.\nInsurability of risks\nThe report describes how events such as the failure of Thomas Cook and the coronavirus pandemic have made it increasingly difficult for organisers to find providers of insolvency protection which are willing and capable of covering the risks of failure.\nThere were already relatively few providers in the market, which has diminished further with the recent withdrawal of certain well-established providers. The EC recognises this and intends to look at how to address the issue.\nTwo ideas have already been put forward for consideration: having multiple providers of insolvency protection for a single organiser, or setting up a pan-EU guarantee fund which would provide a form of reinsurance to providers of insolvency protection.\nLimitation on pre-payments\nThe report explains that some member states limit the pre-payments which can be taken for package holidays. This has been picked up by certain consumer organisations which have suggested the EC should only allow organisers to collect payments when travellers have received the services.\nIt is suggested this would help to limit the exposure of travellers and providers of insolvency protection.\nIt would also protect the consumer against the risk of cancellation given that there would be no need to extract a refund from the organiser.\nThis would obviously create a cash-flow issue for organisers, particularly if they must make pre-payments to suppliers in advance of travel. Accordingly, the EC recognises that any such limitations on pre-payments would have to be assessed within the “broader tourism eco-system”.\nThere are also concerns that limiting pre-payments will increase prices for customers because it will limit the opportunity for organisers to obtain discounts by making advance pre-payments to suppliers.\nThe EC intends to analyse the issues identified in its report in more detail. By 2022, it will report upon whether the existing regulatory framework for package travel is adequate.\nThis presents an opportunity for all participants in the travel eco-system to have their say, which will be particularly important for those organisations selling into the EU.\nRhys Griffiths is partner at Fox Williams", "label": "Yes"}
{"text": "Student education loans may help you go to your fantasy college, but it may be a horror if you’re not borrowing wisely. You want for additional details on personal loans prior to signing nearly anything. Keep reading to find out everything you can just before credit.\nKeep in mind the elegance time period you have well before you will need to repay the loan. This really is the time period you have just before the lender ask that your particular repayments need to start. Keeping aware about once this period of time stops is the right way to be sure to never have later monthly payments.\nWhen it comes to education loans, make sure you only obtain what you require. Think about the sum you require by examining your total costs. Factor in items like the cost of residing, the expense of school, your educational funding honors, your family’s contributions, and so forth. You’re not required to accept a loan’s whole sum.\nTend not to normal over a education loan. Defaulting on govt loans may result in implications like garnished salary and taxation reimbursements withheld. Defaulting on personal personal loans can be quite a disaster for any cosigners you needed. Naturally, defaulting on any financial loan dangers serious harm to your credit score, which expenses you even more later.\nDon’t be afraid to question questions on federal government loans. Hardly varkredit and women determine what these kinds of personal loans may offer or what their polices and rules are. For those who have any questions about these loans, get hold of your student loan consultant. Cash are limited, so speak to them prior to the app timeline.\nA two-phase approach enables you to pay out your student education loans. Very first, make sure you make all lowest monthly payments. Following this, you will want to shell out something more on the financial loan together with the highest curiosity. As a result things more affordable for you over time.\nConsider looking around for your private personal loans. If you need to use a lot more, discuss this together with your consultant. When a private or substitute loan is the best option, make sure you examine such things as payment options, fees, and interest rates. Your college could suggest some loan providers, but you’re not essential to obtain from their website.\nWhen you start settlement of your student education loans, make everything in your own capability to shell out over the lowest amount every month. While it is true that student loan financial debt is just not viewed as adversely as other varieties of personal debt, eliminating it as quickly as possible needs to be your purpose. Reducing your responsibility as quickly as you are able to will make it easier to purchase a house and help a family.\nThe Perkins Loan and the Stafford Loan are well-known in college or university communities. The reason being they have a cost-effective cost and therefore are regarded as two of the safest loans. It winds up simply being a good offer, simply because the federal government winds up paying the curiosity whilst you enroll in college. An average interest on Perkins lending options is 5 percentage. On subsidized Stafford financial loans it can be set for a price no higher than 6.8Percent.\nAs possible now see, there are several variables to take into consideration concerning student loans. The options you will be making can now have big ramifications on your own lifestyle, even nicely once you finish university. Borrowing correctly is most beneficial, so take advantage of the suggestions earlier mentioned when dealing with student loans.", "label": "Yes"}
{"text": "The Negros Oriental government will be able to save yearly more than P8 million in payment of wages and other benefits of the Negros Oriental Detention and Rehabilitation Center personnel after the Bureau of Jail Management and Penology takes over their management from the province.\nBJMP Region 7 officials, led by regional director Romeo Salazar and Gov. Roel Degamo agreed in a meeting Tuesday to finalize in a memorandum of agreement expected to be signed in July.\nMore meetings will be held between the provincial attorney and the BJMP’s legal officers, to finalize the agreement so that in August, the provincial government can begin drafting its 2012 budget less the allocation for services of NODRC personnel, Degamo said yesterday.\nDegamo had earlier announced that he has asked Secretary Jesse Robredo of the Department of Interior and Local Government to absorb the provincial jail personnel who are currently receiving wages and other benefits from the Negros Oriental government.\nUnder the proposed agreement, the governor will still be the official jailer, and the NODRC still a provincial-government owned facility, Degamo said.\nHe assured that NODRC personnel will not lose their jobs under the agreement as he has proposed that qualified provincial jail employees be absorbed by the BJMP.\nThe province allocates a yearly budget of more than P16 million for personal services and operating expenses, Daisy Vamenta, Human Resource Management Officer of Negros Oriental, said.\nOf this, more than P8 million goes to wages, benefits, transportation costs and other expenditures for NODRC employees.\nThere are 42 regular positions assigned to the NODRC, although some have not been filled up, Vamenta said.*JFP", "label": "Yes"}
{"text": "Lean Solutions Group lands FreightWaves’ FreightTech 25 2023 list\nDuring one of the best freight conferences of the year, FreightWaves’ Future of Freight Festival, Lean Solutions Group landed, for the first time, on the fifth annual FreightTech 25 2023 list! A list that showcases top players creating innovative solutions for companies within the industry.\n“We spend a lot of energy trying to build a program that really recognizes the innovation in the space. So, the FreightTech awards are something that we started five years ago to focus on recognizing the innovations and the innovators that are in the space” - Craig Fuller, FreightWaves’ Founder and CEO.\nThe companies in this list are selected by a group of CEOs from some of the largest companies in the space, industry leaders and investors. The voting system is regulated by an external firm, which generates a high level of transparency and fairness.\n“Lean Solutions Group, a new member of the list, is focused on offshoring and really taking a lot of the burden off all of the transactions that exist in the space and putting it into a nearshoring operation in Colombia and really trying to mitigate a lot of the costs that goes into this industry.” - Craig Fuller, FreightWaves’ Founder and CEO.\nAt Lean Solutions Group, we are incredibly honored to be part of the FreightTech 25 2023 list alongside major industry leaders. We are hyper-focused on creating innovative solutions and technologies to superpower our clients’ operations by giving them access to top global talent and the tools they need to scale seamlessly.\nLet us help you build highly efficient teams so you can build the future of freight! Ready to get started?\nConnect with us!\nKathy Monroy is an experienced Communications Specialist and Journalist. Driven to go above and beyond, Kathy produces high-quality content specializing in transportation and logistics, marketing, sales, and technology. Her goals include becoming an expert and an authority in her line of work, always providing her audience with the most relevant and useful information.\nUnlocking Strategic Growth for 3PL Providers with Nearshore Staff Augmentation\nMarch 22, 2024", "label": "Yes"}
{"text": "- Bitcoin hashrate growing significantly as miners increase activity in anticipation of the May 2020 halving.\n- Bitcoin brushes shoulders with $8,000 amid revived interest geared towards breaking critical barriers in 2020.\nBitcoin is concentrating on breaking key barriers towards $8,000. The largest cryptocurrency spent most of December in consolidation between $7,000 and $7,500. The recent break above $7,800 seems to have revived the buyers’ interest in the digital asset. Besides, Bitcoin tested $8,000 resistance on Monday before retreating to the current $7,916.\nThe Bitcoin community is counting the months before the historic halving event takes place. The mining rewards halving occurs every four years due to code integrated in the blockchain by Satoshi Nakamoto. Miners’ rewards per block will be slashed by half from 12.5 BTC to 6.25 BTC. The event is expected to bring with it increased demand amid scarcity of supply and high volatility.\nMeanwhile, Bitcoin’s hash rate continues to surge before the May 2020 halving. The hashrate measured on a seven-day basis hit an all-time high of 106 EH/s. Bitcoin’s network hashrate recovery has been tremendous over the past year from 40 EH/s at the beginning of 2019.\nBitcoin price technical analysis\nBitcoin’s prevailing trend is bullish and supported by the upward-pointing RSI. The indicator has recovery impressively from 2020 low at 28.57 to levels above 70. If the price continues to ignore the RSI’s oversold conditions, BTC could easily sail above $8,000.\nAs far as support is concerned, $7,500 is the key support likely to come in the bull’s recue in the event of a reversal. The 50 SMA and the 100 SMA on the 4-hour chart are inline to offer support as well. In addition to that $7,000 and $6,500 will come in handy especially if Bitcoin bears swing in with a revenge mission.", "label": "Yes"}
{"text": "I use the Term Asset Allocation in many of my articles specifically those which are related to Investments.\nOne of my blog readers Parul asked on mail that how would one figure out which Asset allocation is best for her, and as investment, value keep on changing so how would one ensure that the Asset allocation stays intact for the complete investment tenure.\nThere was no one-line answer to this so I decided to write a detailed post on this subject which I think will benefit other readers too.\nWhat is Asset Allocation?\nIn simple terms asset allocation is dividing the investment amount among different unrelated investment asset classes with a goal of minimizing the volatility and optimizing returns.\nUnrelated assets mean those which do not respond to the same market forces in the same way at the same time. This may lead your investments to gain on one front when the other side is losing (it may not happen always, but over a longer period of time it works like this only)\nIt is just like having a balanced diet with the goal of taking all nutrients our body requires to stay healthy.\nAsset allocation is a must to keep your investments healthy. With a lure of earning more return, one has the tendency to move into more of stock market investments in the bull market phase but this portfolio starts bothering in the volatile phase. (Read: What is Equity – It’s more than stock market investment)\nIn a volatile environment, investors tend to move towards safe assets but under high inflation scenario and low post-tax returns they could not achieve their goals. (Read- How good is gold as an investment?)\nSo having a proper mix of different asset classes is what one requires.\nIn my article 21 good money habits, I have pointed out Asset Allocation as one of the very important Good Money habits.\nHow to decide ideal Asset Allocation?\nThe common misconception among people is that they decide the suitable asset allocation as per their Age. Well, this is not only their fault…many advisers or investment houses also works in the same fashion.\nThey say 100 minus age is what you should have in equity (aggressive) and remaining in debt (Defensive). But this is the wrong strategy.\nI believe even 70 years old person can have a risk tolerance of investing 80% in equity if he’s having an arrangement of regular income and have a surplus fund available with him with no goals targeted. So believing in “age funda” for asset allocation may prove to be lethal for investments.\nSee asset allocation is a factor of your risk profile. Risk profile is something which tells how you generally react to different market and real-life situation. Your perception towards an investment might change for short term but your inherent behavior towards risk will always remain the same.\nAnother factor that affects your asset allocation is the goals targeted. Even if you are high on risk tolerance but your goal is just 2 years away then there’s no point in going for aggressive allocation\nHow to determine your own asset allocation\n1. Understanding different Asset classes– This is the first and very important point. One has to understand that in India there are only 4 asset classes to invest in. Equity, Debt, Gold, and Real estate.\nEquity and Real estate come under aggressive and volatile asset classes whereas Debt and Gold is somewhat safer and less volatile.\nAll these asset classes can be invested in directly or through Mutual funds or Portfolio management route. Even Insurance ULIPs provide you exposure in different asset classes.\nSo whatever investment instruments you have, you have exposure to these 4 asset classes only. For e.g. If you have 4 endowment/money-back insurance policies, PPF a/c. bank and corporate fixed deposits, RBI bonds, etc. All these collectively result in your debt allocation.\n2. Understanding your Risk profile – As I wrote above, your risk profile doesn’t just come out of your age, it is how you generally react to different situations.\nAre you in a habit of taking chances with your money, at what speed you drive your vehicle- do you wear seat belts, do you use mobile phone while driving, do you favor a fixed salary with less bonus or low salary with high bonus, etc.\nAll these real-life instances collectively form your risk tolerance attitude in investments. Risk profiling is like knowing one’s blood pressure level and thus sensitivity to volatility.\nDoing a proper risk profiling is one of the regulatory requirements for SEBI registered investment advisers which include many banks too. So if you are dealing with a registered adviser he will take care of this part.\n3. Knowing your goals – Relying totally on your risk profile sometimes may not be the right strategy for you, but it doesn’t even mean you can ignore it.\nAs the ultimate requirement is to achieve the goals comfortably so as you reach near to the goal you should move from aggressive to conservative.\nIf you have invested heavily in equity or real estate for a goal targeted, then you should be out of these assets at least 2-3 years before the target year…even if you are very bullish on market performance 😉\nWhen should Asset allocation be rebalanced?\nOver a period of time, with an increase in the value of your investments, you will find that the ratio of your allocation has got changed. You may find yourself again high on equity or high on debt.\nSo timely rebalancing of your investment allocation is very important. You can do the rebalancing by selling one asset class and buying the other with the same amount, or if you have surplus funds available with you, you may make some additional purchase in the asset where the value has gone down.\nLet’s understand this with an example:\nSay you have Rs 5 lakh with you as surplus available and after going through the risk profiling process your advised asset allocation comes out to be 60% Aggressive and 40% defensive.\nThe above chart shows that now to rebalance the allocation suitable to your risk profile, you need to sell Rs 10200/- of equity and buy Rs 6900/- and Rs 3300/- of debt and gold respectively.\nThis calls for buying Rs 28793/- of equity and selling of Rs 22432/- and Rs 6361/- of debt and gold respectively.\nYou have to repeat this process after every particular interval, which may be 1 year or 3 years. This rebalancing process will keep the volatility as per your acceptable risk tolerance and also help you in buying low and selling high.\nIf this was not the process you follow then you would have bought more of equity in Year 1 under the lure of high returns as the stock market was performing good and next year, you would have lost big money.\nDetermining an asset allocation is a very important financial decision, more important than selecting the right investment product, as this will have more impact on your overall portfolio return. And be sure to periodically review your portfolio to ensure that your chosen mixes of investments also have diversified among different sectors.\nHope your doubts regarding Asset allocation have been cleared. If you have any question, feel free to ask in the comments section below", "label": "Yes"}
{"text": "UBS: Get used to low returns from equities\nOne of the big questions dominating equity markets today is whether or not equity markets will produce a lower return than the historical average going forward after the impressive gains since the end of the financial crisis.\nHistorically, the S&P 500 has returned an average 9% per annum for the past 100 years as a mix of earnings growth, and higher equity valuations have pulled the market up. However, post 2008 there is evidence that real growth has slowed down on a trend basis. Long-term expectations of inflation have also fallen globally. Nonetheless, equity valuations have remained resilient during this period.\n- The trade for the next 35 years? Short bonds long equities\n- ETF Inflows Spike In July But Investors Are Still Selling Equities\n- Investors Abandon Gold, Equities Turn To Bonds\nAccording to research from UBS, most of the equity market gains since the financial crisis has been due to a big decline in risk-free yields. “For current valuations to make sense amid a secular decline in earnings growth, we estimate that the “implied discount factor” for equities has likely declined by about 4% on aggregate in the US and EU. Is this excessive? No, it is the mirror image of the secular decline in bond yields. More specifically, at least 75% of the drop in the equities discount factor is driven by a sharp drop in long-term risk-free rates” the bank’s analysts write in a Global Macro Strategy research report published at the beginning of September.\nBond yields remained depressed, or fall further into negative territory UBS concludes that there is no reason why current equity market valuations cannot be sustained. In other words, while most of the analysts on Wall Street are currently arguing that the S&P 500 is overvalued, UBS hints at the idea that the market could be fairly valued considering the current environment.\nGet used to low returns from equities\nUnfortunately, while the market would appear to be fairly valued when weighed against risk-free yields, the slowdown in real global growth and reduced long-term expectations of inflation will severely limit equity gains going forward. If the market is indeed fairly valued, only earnings growth will propel the index higher. UBS estimates that earnings growth is also likely to decline on average from pre-crisis norms of 10 to 11% to ca. 6 to 7% in Europe and the US. Therefore, we are likely entering a “new paradigm for stocks” according to UBS. What does this new paradigm look like, Japan is a real world example:\n“Lower total returns. Risk adjusted total returns declined in Japan as the economy fist started sliding into stagnant growth in the 90’s. As Figure 22 shows, total returns were on average quite high in the 80’s and 90s (almost 9% p.a.), even accounting for the burst of the asset bubble. In the 20 years that followed, total returns have averaged 0.2% annually. At the same time, vol increased in the 90’s and has stayed high since.”", "label": "Yes"}
{"text": "I. ELASTICITY A. Issue: a change in price will cause a change in the quantity demanded, but how much of a change? Example of importance: Energy crisis in the 1970s – Lessons to learn in response to current price changes During the 1970s depletion of known stock of oil supplies and bad political relations with the Arab world resulted in a sharp decrease in the supply of oil. As a result, the equilibrium price of oil rose quite sharply. Since oil is essential to modern economies and rising oil prices were causing the costs of producing almost all goods to rise sharply, governments found it necessary to develop policies with respect to oil. One choice governments had to make was whether to permit the price of oil rise to the new equilibrium price or not. Many government's, including Canada's, controlled the price of oil because of the hardship high prices would cause to firms and to individuals. In Canada, the federal government under the Trudeau Liberals restricted the price of oil in Canada and as a result drastically reduced the flow of oil revenues to Alberta. (Alberta is still extremely unlikely to vote Liberal.) The first difficulty with this policy was that holding oil prices below equilibrium caused SHORTAGES of oil to develop. Considerable debate ensued about the appropriate policy. Some people believed that the quantity demanded would fall by very little if the price of oil rose, because oil is such a necessity. In addition, these people argued, the quantity supplied could not increase very much in response to rising prices because of the depleted stocks of oil. They were arguing that demand and supply were both very INELASTIC, that is the quantity demand or supplied changed very little as price changed. If they were right, prices would have had to rise to very high levels indeed in order to eliminate the shortages. They argued that the price should be held down to protect purchasers of oil from high prices. Other people argued that although quantity demanded and quantity supplied could not respond to prices very much in a short period of time, rising prices would cause considerable adjustment in the quantity demanded and supplied in time. People would switch from oil heat to gas, wood, or coal generated electric heat. Cars with better mileage would be developed. Insulation of homes, more efficient furnaces etc. would reduce the quantity of oil demanded. Similarly they argued that high prices would result in exploration and discovery of new supplies of oil. They were arguing that with a little time both demand and supply would be quite ELASTIC, that is the quantity demanded or supplied would change a great deal in response to a change in price. As it turned out, the policy of allowing price to rise appears to have been the correct policy. Higher oil prices did result in a decline in the quantity of oil demanded and a great increase in exploration and the discovery of new oil fields. Clearly in developing the policies, an understanding of the ELASTICITY of the demand and supply of oil were very important. Similar types of concerns could be found with other issues. The government policies regarding funding of universities is forcing Nova Scotian universities to charge ever higher tuition rates. The government wishes to have students pay a larger portion of the costs of their education. At the same time, we are told that the key to economic growth in the future is a highly educated labour force. If the quantity of education demanded declines a lot as tuition fees rise, then the government's funding policy may make it difficult to produce an educated labour force. If the quantity of education demanded falls very little as tuition rates rise, then the impact on the labour force may be very small. Again, the degree of ELASTICITY of demand is a matter of concern. B. Demand Elasticity 1. Determinates of demand elasticity: there is no absolute way to determine elasticity, but the following factors have a large influence on it. a. Substitutability: the more readily available are substitutes, the more elastic demand will be, ie the more quantity demanded will change when price changes. A good such as pears has many substitutes and its demand will be relatively elastic, while milk has few substitutes and the demand for it will be much less elastic. Necessities have few substitutes and are essential to our well-being, so demand for them is inelastic. Luxuries have many substitutes including not consuming them, so demand for them is more elastic. b. The larger the impact of spending on a good on a person's budget, the more elastic demand will be. Demand for expensive goods such as housing or automobiles will often be more elastic than demand for cheap goods, such as pencils or toys. c. Time: The more time passes, the more elastic demand will be. Often adjustments to use a substitute require time. Insulating a house or buying a car with better mileage can reduce the use of fuel, but they required time to undertake. 2. Calculating the coefficient of Demand elasticity a. Percentage change in quantity divided by percentage change in price. Always give the absolute value of the demand elasticity. (Make the answer a positive number.) Q . avg. Q P . avg. P b. Alternative method is the formula (Again give the absolute value.): Q2-Q1 Q2+Q1 P2-P1 P2+P1 c. Types of elasticity, defined by the coefficient calculated Infinite Elasticity: A tiny change in price causes an unlimited change in Quantity Elastic coefficient > 1 Unit Elastic coefficient = 1 Inelastic coefficient < 1 Zero Elastic coefficient = 0 C. Supply Elasticity The major determinate is time: the more time passes, the more elastic supply becomes. 1. Market period: the commodity has been produced. Low elasticity since the commodity can either be placed on the market or with held from production. Elasticity of perishable products such as fish or strawberries will be especially low in the market period. 2. Short-run: more or less of the commodity can be produced, but at least one factor of production is fixed in supply. Elasticity is greater than in the market period, but there are constraints on the expansion of production, and firms may prefer to produce than to leave capital or land idle when the price is low. 3. Long-run: the quantities of all factors of production can be adjusted. Elasticity is very great, since if price is high more of all factors of production can be directed towards production of the good, and all factors can be withdrawn and directed to other activities when the price is low.\nPages to are hidden for\n\"demand elasticity\"Please download to view full document", "label": "Yes"}
{"text": "March 2020 will go down as one of the most dramatic months in financial markets and an acid test of the ETF market. The Stronghold EUR model had cut equity exposure to zero in February and was coming into March being the most defensive since the portfolio's inception in July 2017. Despite the portfolio being defensive markets became highly correlated and liquidity became erratic in some the ETFs that Stronghold EUR was exposed to.\nEven though Stronghold EUR leaves the first quarter with a negative quarterly return, it has performed decently when comparing to other tactical asset allocation portfolios with similar risk levels. Comparing to the BlackRock EUR portfolios on Saxo Bank's SaxoSelect offering, the Stronghold return for the first quarter lies between the quarterly return for the BlackRock Defensive and BlackRock Moderate Defensive portfolios.\nThe Stronghold EUR model started March well as credit and inflation-linked government bonds were bid but then the US Treasury market and inflation-linked bonds began a historic dislocation due to margin calls and collapsing inflation expectations. The model had to reduce risk multiple times during the month starting on 16 March selling all exposure to investment grade corporate bonds and majority of exposure to inflation-linked bonds. The spreads had already widened and liquidity was terrible. The trade-off was between high trading costs hitting the portfolio value or staying within our risk budget. The latter is most important at all times so we had to eat the increased friction and trading costs in ETFs. Two days after on 18 March the portfolio's covered bond exposure was cut to zero as mortgage bonds in Europe went in free fall relative to normal volatility; there were no places to hide as investors were in a 'dash for cash'. Even gold became correlated and acted as a risky asset such as equities. The 18 March was an extraordinary intra-week rebalancing as the estimated portfolio risk was too far away from our target. On 18 March asset classes became so correlated that we had to add 0-1 year Euro government bonds with a 20% maximum weight in order for the model to stay within the risk budget. This was not something we had seen during the financial crisis in 2008 during our simulations.\nFinally on 23 March the model reduced some of its 10-year global government bonds exposure and increased exposure in Euro 1-3 year government bonds. Despite the aggressive actions of the model the portfolio was down 6.5% in March compared to minus 3.7% for the benchmark. The reason for this difference is driven two factors. The benchmark is static with quarterly rebalancing so trade costs are minimal. Stronghold EUR had to sacrifice some performance to maintain its strict focus on minimizing risk. The second factor is that Stronghold EUR went ultra-defensive with 80% exposure in Euro government bonds across the 0-1 year and 1-3 year segments and zero equity exposure so when the 18% rebound in global equities came Stronghold EUR did not get any return from that. Meanwhile the benchmark has a 35% exposure to global equities.\nYear-to-date Stronghold EUR is down 8.6% compared to 7.1% for the benchmark portfolio. With many economists expecting a bigger hit to the economy from COVID-19 than the 2008 crisis financial markets will continue to be volatile and in the case equities continue to fall Stronghold EUR will benefit relative to the benchmark.", "label": "Yes"}
{"text": "Southeastern Vermont businesses still working to recover from Tropical Storm Irene may have some help coming.\nState officials have announced that the Vermont Community Development Program has decided to award the money to two regional development corporations in Springfield and Brattleboro.\nIt’s the latest installment in nearly $22 million in Community Development Block Grant Disaster Recovery funds made available around Vermont since the storm nearly 16 months ago.\nIndividual businesses will be able to apply for funds beginning next Wednesday. Applications will be on the websites of the Brattleboro Development Credit Corp. and the Springfield Regional Development Corp.\nWas this article valuable?\nHere are more articles you may enjoy.", "label": "Yes"}
{"text": "In a BSE submitting, the Hinduja Group firm stated VBCL is a 100 per cent subsidiary and the preliminary capital of Rs 60 crore was absolutely infused by the corporate at par of Rs 10 every per share.\nVBCL has been included to hold on the enterprise of bus physique and coach-building, the submitting stated.\nIn one other notification, Ashok Leyland stated its shareholding in Optare PLC, the UK, has come all the way down to 91.63 per cent from 99.24 per cent following the conversion of loans by Hinduja Automotive Ltd into fairness shares in Optare PLC.\n“We want to inform that consequent to the conversion of loans by Hinduja Automotive Ltd, UK, into fairness shares in Optare PLC, the Ashok Leyland Ltd shareholding in Optare PLC, stands diminished from 99.24 per cent to 91.63 per cent,” the corporate stated.\nThe consolidated income of Optare PLC as on March 31, 2020, was Rs 336.22 crore.\nOptare PLC is engaged within the enterprise of producing and promoting buses within the UK.", "label": "Yes"}
{"text": "How does the composition of public spending matter?\nPublic spending has effects which are complex to trace and difficult to quantify. But the composition of public expenditure has become the key instrument by which development agencies seek to promote economic development. In recent years, the development assistance to heavily indebted poor countries (HIPCs) hasbeen made conditional on increased expenditure on categories that are thought to be\"pro-poor\". This paper responds to the growing concern being expressed about the conceptual foundations and the empirical basis for the belief that poverty can be reduced through targeted public spending. While it is widely accepted that growth and redistribution are important sources of reduction in absolute poverty, a review of the literature confirms the lack of an appropriate theoretical framework for assessing the impact of public spending on growth as well as poverty. There is a need to combine principles of both public economics and growth theory to develop appropriate theoretical guidance for public expenditure policy. This paper identifies a number of approaches that are beginning to address this gap. Building on these approaches, it proposes a framework that has its foundation in a broadly articulated development strategy and its economic goals such as growth, equity, and poverty reduction. It recommends the use of public economics principles to clarify the roles of the private and public sectors and to recognize the complementarity of spending, taxation, and regulatory instruments available to affect public policy. With regard to the impact of any given type of public spending, policy recommendations must be tailored to countries and be based on empirical analysis that takes account of the lags and leads in their effects on equity and growth and ultimately on poverty. The paper sketches out such a framework as the first step in what will have to be a longer-term research agenda to provide theoretically and empirically robust and verifiable guidance to public spending policy.\n|Date of creation:||01 Mar 2005|\n|Contact details of provider:|| Postal: 1818 H Street, N.W., Washington, DC 20433|\nPhone: (202) 477-1234\nWeb page: http://www.worldbank.org/\nMore information through EDIRC\nPlease report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on \"citations\" and make appropriate adjustments.:\n- Shenggen Fan & Xiaobo Zhang, 2008.\n\"Public Expenditure, Growth and Poverty Reduction in Rural Uganda,\"\nAfrican Development Review,\nAfrican Development Bank, vol. 20(3), pages 466-496.\n- Fan, Shenggen & Zhang, Xiaobo & Rao, Neetha, 2004. \"Public expenditure, growth, and poverty reduction in rural Uganda,\" DSGD discussion papers 4, International Food Policy Research Institute (IFPRI).\n- Angus Deaton, 2002.\n\"Health, inequality, and economic development,\"\n209, Princeton University, Woodrow Wilson School of Public and International Affairs, Research Program in Development Studies..\n- Angus Deaton, 2016. \"Health, Inequality and Economic Development,\" Working Papers id:8791, eSocialSciences.\n- Angus Deaton, 2002. \"Health, inequality, and economic development,\" Working Papers 270, Princeton University, Woodrow Wilson School of Public and International Affairs, Center for Health and Wellbeing..\n- Deaton, A., 2001. \"Health, Inequality, and Economic Development,\" Papers 200, Princeton, Woodrow Wilson School - Development Studies.\n- Angus Deaton, 2001. \"Health, Inequality, and Economic Development,\" NBER Working Papers 8318, National Bureau of Economic Research, Inc.\n- Paul Collier & Stefan Dercon & John Mackinnon, 2002.\n\"Density versus Quality in Health Care Provision: Using Household Data to Make Budgetary Choices in Ethiopia,\"\nWorld Bank Economic Review,\nWorld Bank Group, vol. 16(3), pages 425-448, December.\n- Paul Collier & Stefan Dercon & John Mackinnon, 2004. \"Density versus Quality in Health Care Provision: Using Household Data to Make Budgetary Choices in Ethiopia,\" Development and Comp Systems 0409052, EconWPA.\n- Paul Collier & Stefan Dercon & John Mackinnon, 2002. \"Density versus quality in health care provision: Using household data to make budgetary choices in Ethiopia,\" CSAE Working Paper Series 2002-17, Centre for the Study of African Economies, University of Oxford.\n- Musgrave, R.A., 1985. \"A brief history of fiscal doctrine,\" Handbook of Public Economics, in: A. J. Auerbach & M. Feldstein (ed.), Handbook of Public Economics, edition 1, volume 1, chapter 1, pages 1-59 Elsevier.\n- Lipton, Michael & Ravallion, Martin, 1995.\n\"Poverty and policy,\"\nHandbook of Development Economics,\nin: Hollis Chenery & T.N. Srinivasan (ed.), Handbook of Development Economics, edition 1, volume 3, chapter 41, pages 2551-2657\n- François Bourguignon & Maurizio Bussolo & Luiz A. Pereira da Silva, 2008. \"The Impact of Macroeconomic Policies on Poverty and Income Distribution : Macro-Micro Evaluation Techniques and Tools,\" World Bank Publications, The World Bank, number 6586.\n- Gupta, Sanjeev & Clements, Benedict & Baldacci, Emanuele & Mulas-Granados, Carlos, 2005. \"Fiscal policy, expenditure composition, and growth in low-income countries,\" Journal of International Money and Finance, Elsevier, vol. 24(3), pages 441-463, April.\n- Paul Mosley & John Hudson & Arjan Verschoor, 2004. \"Aid, Poverty Reduction and the 'New Conditionality',\" Economic Journal, Royal Economic Society, vol. 114(496), pages 217-243, 06.\n- Raghbendra Jha & Bagala Biswal & Urvashi D. Biswal, 2001.\n\"An Empirical Analysis of the Impact of Public Expenditures on Education and Health on Poverty in Indian States,\"\nASARC Working Papers\n2001-05, The Australian National University, Australia South Asia Research Centre.\n- Raghbendra Jha & Bagala Biswal & Urvashi D. Biswal, 2001. \"An Empirical Analysis of the Impact of Public Expenditures on Education and Health on Poverty in Indian States,\" Working Papers 998, Queen's University, Department of Economics.\n- Shantayanan Devarajan & Vinaya Swaroop & Heng-fu Zou, 1996.\n\"The composition of public expenditure and economic growth,\"\nCEMA Working Papers\n77, China Economics and Management Academy, Central University of Finance and Economics.\n- Devarajan, Shantayanan & Swaroop, Vinaya & Heng-fu, Zou, 1996. \"The composition of public expenditure and economic growth,\" Journal of Monetary Economics, Elsevier, vol. 37(2-3), pages 313-344, April.\n- Jung, Hong-Sang & Thorbecke, Erik, 2003. \"The impact of public education expenditure on human capital, growth, and poverty in Tanzania and Zambia: a general equilibrium approach,\" Journal of Policy Modeling, Elsevier, vol. 25(8), pages 701-725, November.\n- Lopez, Ramon & Thomas, Vinod & Yan Wang, 1998. \"Addressing the education puzzle : the distribution of education and economic reform,\" Policy Research Working Paper Series 2031, The World Bank.\n- Canning, David & Bennathan, Esra, 2000. \"The social rate of return on infrastructure investments,\" Policy Research Working Paper Series 2390, The World Bank.\n- Agénor, Pierre-Richard & Bayraktar, Nihal & El Aynaoui, Karim, 2008.\n\"Roads out of poverty? Assessing the links between aid, public investment, growth, and poverty reduction,\"\nJournal of Development Economics,\nElsevier, vol. 86(2), pages 277-295, June.\n- Pierre Richard AGÉNOR & Nihal BAYRAKTAR & Karim EL AYNAOUI, \"undated\". \"Roads out of Poverty? Assessing the Link between Aid, Public Investment, Growth and Poverty Reduction,\" EcoMod2004 330600003, EcoMod.\n- Agenor, Pierre-Richard & Bayraktar, Nihal & El Aynaoui, Karim, 2005. \"Roads out of poverty? assessing the links between aid, public investment, growth, and poverty reduction,\" Policy Research Working Paper Series 3490, The World Bank.\n- Niloy Bose & M. Emranul Haque & Denise R. Osborn, 2007. \"Public Expenditure And Economic Growth: A Disaggregated Analysis For Developing Countries,\" Manchester School, University of Manchester, vol. 75(5), pages 533-556, 09.\n- Tony Killick, 2004. \"Politics, Evidence and the New Aid Agenda,\" Development Policy Review, Overseas Development Institute, vol. 22(1), pages 5-29, 01.\n- Jos Mooij & S. Mahendra Dev, 2004. \"Social Sector Priorities: An Analysis of Budgets and Expenditures in India in the 1990s,\" Development Policy Review, Overseas Development Institute, vol. 22(1), pages 97-120, 01.\n- T. Paul Schultz, 2002.\n\"Wage Gains Associated with Height as a Form of Health Human Capital,\"\nAmerican Economic Review,\nAmerican Economic Association, vol. 92(2), pages 349-353, May.\n- T. Paul Schultz, 2002. \"Wage Gains Associated with Height as a Form of Health Human Capital,\" Working Papers 841, Economic Growth Center, Yale University.\n- Ravallion, Martin, 2003.\n\"In measuring aggregate\"social efficiency\",\"\nPolicy Research Working Paper Series\n3166, The World Bank.\n- Ajwad, Mohamed Ihsan & Wodon, Quentin, 2007. \"Do local Governments maximize access rates to public services across areas?: A test based on marginal benefit incidence analysis,\" The Quarterly Review of Economics and Finance, Elsevier, vol. 47(2), pages 242-260, May.\n- Schultz, T. Paul, 1997. \"Assessing the productive benefits of nutrition and health: An integrated human capital approach,\" Journal of Econometrics, Elsevier, vol. 77(1), pages 141-158, March.\n- Karuna Gomanee & Sourafel Girma & Oliver Morrissey, 2005.\n\"Aid, public spending and human welfare: evidence from quantile regressions,\"\nJournal of International Development,\nJohn Wiley & Sons, Ltd., vol. 17(3), pages 299-309.\n- Karuna Gomanee & Sourafel Girma & Oliver Morrissey, 2006. \"Aid, Public Spending and Human Welfare: Evidence from Quantile Regressions,\" Working Papers id:761, eSocialSciences.\n- Paul Atkinson & Paul van den Noord, 2001. \"Managing Public Expenditure: Some Emerging Policy Issues and A Framework for Analysis,\" OECD Economics Department Working Papers 285, OECD Publishing.\n- John J Matovu & Era Dabla-Norris, 2002. \"Composition of Government Expenditures and Demand for Education in Developing Countries,\" IMF Working Papers 02/78, .\n- Dollar, David & Kraay, Aart, 2002.\n\"Growth Is Good for the Poor,\"\nJournal of Economic Growth,\nSpringer, vol. 7(3), pages 195-225, September.\n- Belli, Pedro, 1996. \"Is economic analysis of projects still useful?,\" Policy Research Working Paper Series 1689, The World Bank.\n- Lanjouw, Peter & Ravallion, Martin, 1999. \"Benefit Incidence, Public Spending Reforms, and the Timing of Program Capture,\" World Bank Economic Review, World Bank Group, vol. 13(2), pages 257-273, May.\n- Mackinnon, John & Reinikka, Ritva, 2000. \"Lessons from Uganda on strategies to fight poverty,\" Policy Research Working Paper Series 2440, The World Bank.\n- Shenggen Fan & Peter Hazell, 2001. \"Returns to Public Investments in the Less-Favored Areas of India and China,\" American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 83(5), pages 1217-1222.\n- repec:oxf:wpaper:wps/2002-17 is not listed on IDEAS\n- Marianne Fay & Danny Leipziger & Quentin Wodon & Tito Yepes, 2003. \"Achieving the Millennium Development Goals : The role of infrastructure,\" Policy Research Working Paper Series 3163, The World Bank.\n- Abhijit V. Banerjee & Ruimin He, 2003. \"The World Bank of the Future,\" American Economic Review, American Economic Association, vol. 93(2), pages 39-44, May.\nWhen requesting a correction, please mention this item's handle: RePEc:wbk:wbrwps:3555. See general information about how to correct material in RePEc.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Roula I. Yazigi)\nIf references are entirely missing, you can add them using this form.", "label": "Yes"}
{"text": "What is a unit trust?\nA unit trust pools monies from individual investors and is professionally managed by a fund manager. The monies are then invested in various assets like bonds, fixed income instruments, equities or other asset classes as provided for in the unit trust’s prospectus.\nWhat are the benefits of investing in a unit trust?\nThe benefits are:\n- Low minimum investment amount\nDepending on the unit trust, you can invest in a unit trust with as little as S$1,000.\n- Professional management\nYour money is managed by experienced and professional fund managers who have access to the latest information on markets and companies and are in a position to make informed investment decisions.\nOne benefit of investing in a unit trust is diversification, which helps reduce risks. With unit trust, you, the investor, are able to spread your investment risks across various markets, sectors and asset classes. By pooling your resources with other investors, you can invest in a range of companies in their respective markets and sectors. This kind of diversification is usually not possible for the individual investor because of limited financial resources and the scale of investment.\n- Access to specialised markets and overseas opportunities\nUnit trust give investors access to specialised and overseas markets. This opportunity is difficult for an individual investor to have because of limited resources.\nUnit trust investments can be redeemed at any time and processed on the same day or the next working day, depending on the time that such redemption requests are submitted by the investor. Upon redemption, the fund managers will buy back the unit trusts sought to be redeemed by the investor at a price based on the NAV price of the unit trust investment. Generally, most unit trust investments are valued daily and in some cases, weekly, monthly or quarterly.\nHow do I decide which unit trust to invest in?\nYour choice and decision should be made based on your goals, risk tolerance and investment time horizon. Different unit trusts invest in different asset classes, markets and sectors, depending on the investment objective and strategy of that particular unit trust. Consequently, they also have different levels of risks and returns.\nAre returns guaranteed?\nLike all investments, there are risks involved. Unit trusts are no exception and returns cannot be guaranteed. Prices can rise or fall depending on a range of factors including market conditions and investors have to exercise judgment and make their own decisions.\nWhat is the minimum investment amount?\nThis varies from unit trust to unit trust. Generally, the minimum initial investment amount for most unit trusts is S$1,000. For subsequent investments, the amount is lower, usually between $200 and $500.\nPlease refer to the relevant unit trust’s prospectus for more details.\nWhat are the transaction fees/ charges involved?\nGenerally, there are 3 types of transaction fees/charges:\n- Sales charge\nFor unit trust with net asset value (NAV) pricing, an initial sales charge will be deducted from the investment amount. This is a fee charged by the bank for its services in facilitating the processing of unit trust investments. For unit trusts with bid / offer pricing, the initial sales charge is already factored into the offer price.\n- Annual management fee\nThis is an annual fee charged by the fund manager for their management of the unit trust.\n- Trustee fee\nThis is the annual fee charged by the trustee for the provision of custody services of the unit trust’s assets.\nWhen and where are the purchase prices available?\nUnit trust investments operate on a forward pricing basis. This means that unit trust prices are only calculated at the end of the day after all investments and the cost of all transaction activities have been taken into account.\nThe unit trust’ prices can be obtained by:\n- Clicking on \"Rates\" on the footer of the Bank's website.\n- Checking the major newspapers.\nWill dividends be paid?\nThis depends on the type of unit trust you buy. Dividends, if any, are also paid out at the discretion of the fund managers.\nWho can invest in unit trust?\nYou need to be at least 18 years old (as at the date of application for the unit trust) to invest in unit trust. Before investing in any unit trust, please ensure that you have read the relevant unit trusts’ prospectus and the relevant terms and conditions.", "label": "Yes"}
{"text": "Here's the facts: Walker wants to eliminate the unions ability to collectively bargain pension plans and benefits. Currently, union members are paying astronomically low rates; less than 1% into their pension, only 6% into health care. In exchange, the unions take on lower salaries. Less money now, more down the line. All in all, the deal is a sweetheart deal, but let us be clear, there was no divine order stricken down from the heavens demanding that union members will only pay X amount into this or Y amount into that. The deal was negotiated. It was collectively bargained. But now, when its time to pay the \"more later\" bit, the government, headed by Scott Walker is attempting to renege. Instead of focusing on the facts, Walker continues to point out what a great deal these union workers have, correctly stating that other \"working men\", i.e. his relative at Sears, would love such a deal. It is a relatively smart bit of thinking, but with the aforementioned facts brought to light, it is also completely irrelevant.\nIf the fight were really about making economic concessions, though, the strikes would be over. Wisconsin union members are willing and ready to make the necessary compromises, so long as their ability to bargain collectively remains intact. Walker, though, refuses to allow it. Because, alas, it has nothing to do with the economic climate, it has to do with another \"Tea Party Governor\" trying to union bust and infringe on basic social rights of Americans. It is happening all across the country. Thankfully, Wisconsin has put its foot down, hopefully America takes notice.", "label": "Yes"}
{"text": "Turkmenistan seeks to boost up potential of Caspian ports\nBy Aynur Karimova\nTurkmenistan, one of the five Caspian-littoral countries, has proposed to hold an international meeting to discuss boosting the potential of ports of the Caspian states.\nThis offer was made by Turkmen President Gurbanguly Berdymukhamedov during the high-level talks with his Iranian counterpart Hassan Rouhani in Tehran on November 22-23.\n\"Currently a major project is underway to construct the Turkmenbashi International Sea Port, which will help develop mutual transport links with the Iranian ports of Anzali and Neka on the Caspian Sea,\" Berdymukhamedov said.\nBoosting the potential of the Caspian ports will allow multiplying cargo transportations through the Bandar Abbas Port to the Persian Gulf, according to the Turkmen president.\nBerdymukhamedov also proposed to establish the Turkmenistan-Iran Interstate Coordination Commission for Trade Issues to modernize interconnection among the ports.\nCurrently, Turkmenistan’s modernized large-capacity vessels are actively involved in freight transportations in the Caspian Sea, operating on international routes from the port of Turkmenbashi to the ports of other Caspian states.\nAlso, the legal status of the Caspian Sea was among the hot topics discussed by Berdymukhamedov and Rouhani.\nThe Turkmen president said the proposals put forward by\nTurkmenistan and Iran are a basis for new types and mechanisms of\nmultilateral, mutually beneficial cooperation in the Caspian Sea\nregion in such fields as security, emergency situations, trade and\neconomic partnership, transport and communications.\nHe believes that all these creates favorable conditions for strengthening the mutual trust between the littoral countries, first of all, for developing the trade and economic relations.\nTurkmenistan is the largest supplier of natural gas to Iran. The most convenient transportation route for Turkmen resources to the energy markets of the region passes through Iran.\nTurkmenistan was the seventh leading importer of Iranian non-oil goods in the previous Iranian calendar year, which ended on March 20, 2015, according to the Iran Customs Administration.\nThe value of bilateral trade between Iran and Turkmenistan exceeded $4 billion in 2014, while this figure exceeded $2.62 billion in the first nine months of 2015.\nTurkmenistan and Iran effectively cooperate within influential regional and international organizations and develop the mutually beneficial partnership in trade and economic spheres.\nMoreover, a number of large-scale joint projects have been implemented by the two countries during the years-long cooperation.\nAynur Karimova is AzerNews’ staff journalist, follow her on Twitter: @Aynur_Karimova\nFollow us on Twitter @AzerNewsAz", "label": "Yes"}
{"text": "12 major suppliers for Tesco Ireland’s own-brand food products have pledged to cut food waste as part of the retailer’s efforts to halve food waste by 2030.\nThe dozen companies will measure their food waste and regularly publish the data from next year.\nThey have also committed to reducing wastage by 50pc, in line with Tesco’s targeted adopted as part of UN sustainable development goal 12.3, which calls for a reduction by half in farm-to-fork waste over the next 10 years.\nThe companies that have agreed to the initiative are: Aryzta in Dublin, Stapleton’s in Tipperary, Panelto in Longford, Country Crest in Dublin, Total Produce in Dublin, Keelings in Dublin, Manor Farm in Cavan/Meath. Ballymaguire Foods in Dublin, Western Brand in Mayo, O’Brien Fine Foods in Kildare, ABP in Louth and Hilton Meats in Louth.\nOther Irish companies such a Hilton, Kepak, Kerry, Greencore and Ornua had previously signed up to the No Time for Waste pledge as part of the wider Tesco group.\nThis move is part of Tesco’s No Time for Waste initiative which aims to minimise food waste and increase surplus food donations from Tesco stores nationwide by 2020.\n‘As a food business, we, along with our suppliers, will inevitably have a level of food waste in our business,’ Tesco Ireland CEO Kari Daniels said. ‘That’s why it is so important that we’re tackling waste right across the supply chain — both at branded and own-brand levels.’\nMinister for Communications, Climate Action and the Environment Richard Bruton said: ‘A key part of the government’s climate action plan is tackling food waste and it is an area in which business can really make a tangible, measurable change.’", "label": "Yes"}
{"text": "Santos need Chelsea to help fund Malouda - report\nAccording to English newspaper Daily Mirror, Santos will make an attempt to sign out-of-favour Chelsea midfielder Florent Malouda in January.\nHowever, the report suggests that any deal would be dependent on the Blues paying a proportion of the former Les Bleus star's wages - with Santos unable to meet the player's demands.\nIt is thought that Malouda, whose with is Brazilian and who was born in French Guiana, would be open to a move to Brazilian football and has previously held talks with Vasco da Gama over the possibility of a transfer.\nThe move would rival Botafogo's capture of Clarence Seedorf earlier this year as the biggest transfer in the history of Brazilian football, with both transfers heavily influenced by the players' respective backgrounds.\nAt Chelsea, Malouda currently receives £80,000 a week and whilst Santos would not be expected to match that figure, the suggestion is that they would still need help from the selling club to match the Frenchman's demands.", "label": "Yes"}
{"text": "Categories Economics There is _________ relationship between money supply and inflation. Post author By thelooknow Post date March 27, 2022 A. Positive B. Negative C. No D. None of the above CORRECT ANSWER IS: Positive ← According to classical and modern economists inflation function describe the relationship between _____________ and ___________________. → Import function describe the relationship between _________ and __________.", "label": "Yes"}
{"text": "Learning from Innovation in the Health Industry\nEdited by Marco R. Di Tommaso and Stuart O. Schweitzer\nChapter 8: The Geography of Intangibles: The Case of the Health Industry\nMarco R. Di Tommaso, Daniele Paci and Stuart O. Schweitzer 1 INTRODUCTION Industrial policy for the promotion of high-tech sectors is desirable under certain circumstances. In particular, as shown by Di Tommaso and Schweitzer in this volume, this could be the case for health care-related sectors, which are usually characterized by advanced technological content. Furthermore traditional industrial policy objectives applied to health sectors can be useful in the light of a new approach to health care policy. According to Di Tommaso and Schweitzer (2000), traditional health policies, focused only on cost containment, should be replaced by more comprehensive policies, considering health care expenditures not just as a cost, but as an investment that can have remarkable returns in terms of innovation, employment and trade. In this view, health care is considered as a broad industrial sector. The authors called this model the ‘Health Industry Model’, which is composed of three main actors: providers of health services (hospitals, clinics and other structures), financing organizations (both public and private) and the suppliers of health-related goods and devices. Despite the difficulties of providing a unique definition of ‘high-tech’, pharmaceutical and biotechnology industry can be considered hightechnology sectors both in terms of inputs (R&D and highly-skilled personnel) and in terms of outputs (complexity of products).1 As Di Tommaso et al. (2005) noted, one of the most interesting features of high-tech sectors is their reliance on intangible assets (IAs). Intangible assets include nonphysical sources of value for firms, such as patents,...\nYou are not authenticated to view the full text of this chapter or article.\nElgaronline requires a subscription or purchase to access the full text of books or journals. Please login through your library system or with your personal username and password on the homepage.\nNon-subscribers can freely search the site, view abstracts/ extracts and download selected front matter and introductory chapters for personal use.\nYour library may not have purchased all subject areas. If you are authenticated and think you should have access to this title, please contact your librarian.", "label": "Yes"}
{"text": "Last Updated on March 28, 2022 by tim\nNeopets starting selling NFTs in November 2021. Despite the community outcry that saw no need for Neopets NFTs, the sale proceeded as planned. What is the current state of the Neopets NFT market?\nThe Neopets Metaverse lists 3 official NFT marketplaces where you can purchase Neopets NFTs: Solanart, Magic Eden, and Solsea. Of the 3 exchanges, as of the time this post was written the cheapest Neopets NFT costed 0.88 SOL on Magic Eden – a Water Kacheek with a Nutcracker Hat. At the current Solana price of $78.71, that is around $69.26.\nAs you probably expect, the price for the most expensive Neopets NFT is through the roof. Solanart has a Wraith Kougra listed at 20,000 SOL, around $1,574,200.\nAll 3 NFT marketplaces do list general market data that is useful to try and see how big the Neopets NFT market is. Solsea has 14 listed NFTs and a volume of 7.61 SOL. Solanart has 670 listed and 2.06k SOL volume. Magic Eden has 151 listed and 2357.37 SOL volume.\nSo the market does not seem that big. The primary issue I see with Neopets NFTs is that it is difficult to price a NFT. Pricing seems to be random and there doesn’t seem to be a correlation between rare pet traits and NFT prices.\nThe NFTs also have no use outside of collecting. These days with NFT games popping up all over the place it would have been a good idea to build some sort of game around these Neopets NFTs.\nThe community backlash was also not helpful. Neopets is a dying game but still has a small, dedicated community that play the game. Any Neopets project needs to have this community fully on-board or the project is likely to not take off. The community should have been more involved.", "label": "Yes"}
{"text": "Researchers suggest that the global market of business intelligence and analytics will expand to reach $22.8 billion by 2020.\nThe demand for business users to access critical business data in real-time is increasing exponentially. BI is essential for any business to gain insights from old records, predict future shortcomings, and aid in avoiding challenges. Data visualization and analytics tools assist in achieving long-term goals for any organization. The self-service business intelligence market is fueled by the increasing demand for extensive data in the companies and also manages their operations diligently.\nSelf-Service Business Intelligence\nSelf-service business intelligence is a type of BI that promotes professionals to generate business reports without the assistance of the IT department. This advanced analytics tool allows business users to access company data easily, along with investigating and manipulating it to identify business opportunities. Your company does not require to be technically efficient to get hands-on self-service BI. The tool is specially built to frame the status of metrics and reveal the relationship between parameters and data points. The self-service analytics tool provides opportunities for improvement in the existing techniques and works on refining business strategies.\nHence, self-service business intelligence and analytics solution is a smart data preparation tool that authorizes business users to access multi-structured data and increases the chances of data discovery in a business ecosystem. Selecting a self-service BI solution requires a diverse approach than that of the traditional BI tool.\nImportance of High Self-Service Factor for Business Intelligence Solutions\nThe factors mentioned above should be considered before opting for a self- service analytics solution. Hence, a high self-service factor helps in making the required data available to the business user in real-time. Self-service BI is the right solution for your company when it is designed and deployed by experts.", "label": "Yes"}
{"text": "The Competition Commission of India (CCI) has directed that prepayment penalty charged by banks on home loans is very much within the competition laws.\nThe ruling by CCI comes in response to the complaint filed by a borrower, Mr Neeraj Malhotra against Deutsche Post Bank Home Finance Ltd for charging him with prepayment fees. The bench of four members of CCI said that the levy of charge by the bank was in no case violating Section 3 and 4 which relate to anti competitive practices and use of dominant position.\nTwo members of the bench however said that levying charge of this nature should be discontinued by banks, the order released on CCI website read.\nPrepayment penalty currently ranges in between 1-2% for most banks. Using this charge banks aim to recover the losses in terms of interest occuring due to preclosure of loan.\nHowever there are some lenders who charge this fee only in case the customer opts for refinancing his home loan amount by switching to another lender offering lower interest rates.", "label": "Yes"}
{"text": "FTSE 100 miner Polymetal said it was giving 191m dollars back to shareholders after solid financial results.\nThe firm said that \"having considered the performance of the group during the year to date, available free cash flows and future investment requirements\", it would pay special dividend of $0.50 per ordinary share on 21st January.\nThe move follows a change in divined policy in October, which now states regular dividends should represent 30% of the company's net earnings provided that net debt / adjusted EBITDA is below 1.75.\nSubscribe to MoneyWeek\nSubscribe to MoneyWeek today and get your first six magazine issues absolutely FREE\nChief Executive Vitaly Nesis said the declaration of the first special dividend in the company's history reaffirmed the group's commitment to capital discipline and was also a result of solid operating and financial results.\n\"The implementation of our new dividend policy reflects the importance we place on delivering meaningful cash returns to our shareholders and sustainable value creation,\" he said.\nThe shares go ex-dividend on 12th December and there is an option for shareholders to elect to receive the dividend in pounds sterling.\nDecember 2023 NS&I Premium Bond winners - check now to see what you’ve won\nIf you hold money in NS&I Premium Bonds, you can check from today (2 December) to see if you have won in the December prize draw. Here’s how to check.\nBy Vaishali Varu Published\nOpenAI – corporate drama unleashed\nOpenAI, the firm behind ChatGPT, was in uproar as its boss was booted out, briefly snapped up by Microsoft and then brought back again.\nBy Dr Matthew Partridge Published", "label": "Yes"}
{"text": "Flood hazard identification, mapping project gains support from North Perth council\nSeptember 19, 2022\nBy Melissa Dunphy, Local Journalism Initiative Reporter\nAt its Sept. 12 meeting, the North Perth Mapping Project was endorsed by municipal council. There was the recommendation that council approve the application planned by Maitland Conservation (MC) to secure the grant funding that would be used to update data mapping related to flood hazards within the municipality of North Perth.\nIn January 2022, Natural Resources Canada (NRCan) in partnership with the Ministry of Natural Resources and Forestry launched the Flood Hazard Identification and Mapping Program (FHIMP), a program that provides up to 50 per cent matched federal funding for eligible flood mapping projects. Funding will be released until March 2024 and aims to reduce the costs associated with updating these maps.\nBy identifying flood hazard areas, it aids in reducing the risk to property or people and increasing the accuracy of publicly-accessible flood maps, therefore informing land use planning decisions. The current official regulation mapping for the municipality of North Perth dates back to as early as 1976, with the latest edits being from 1992. With more accurate maps, the promise is that of preparation of future flooding and reducing long-term disaster assistance costs for Ontario.\nThe North Perth Mapping Project was presented to council by Chief Administrative Officer Kriss Snell, with the MC facilitating the application process and managing the project.\nThere are four major cost components associated with this North Perth Mapping Project. The LiDAR (Light Detection and Ranging), which provides base digital model elevation, will cost zero dollars, as the Ministry of Natural Resources will be conducting this and will cover costs for the entire project area. The hydrology component of the project, that determines routing flows, will cost an estimated $30,000. There is an urban mapping component which models flood extent that covers from Highway 23 to the drain confluence and costs $60,000. Finally, the rural mapping component, covering flood extent from Ethel to Highway 23, costs $85,000. The total cost of the project is projected to be $175,000.\nWith the FHIMP program possibly covering 50 per cent of the costs, North Perth would be responsible for the remaining $87,500. Should funding be received, this project will have to be included in the 2023 budget planning process.\nPreviously, this project would have been fully funded by the municipality.\n“At least we are at the point now where we can get 50 per cent of our funding covered,” states Snell.\nMC mentioned that individual property owners having to do studies on their own, would cost between $10,000 to $15,000. So by having these publicly-accessible flood maps, it would save individually incurred costs.\nConcerns were raised during the council meeting regarding the proposed end date of the project, being that grant funding ends in March 2024 while the MC has proposed an end date of October 2024.\nHowever, conservation authority staff believe they can finish this project within the allotted time.\n“It would certainly rely on the outside consultation, [and the] consultants [doing] the project but they felt it could be done within that time frame and had no concerns about the timing of the application and grants, “ says Snell.\nThere was a unanimous vote by council to support the project, and the municipality has endorsed the application planned by MC to secure the grant funding from FHIMP.\nMelissa Dunphy is a Local Journalism Initiative Reporter with the Listowel Banner.\nPrint this page", "label": "Yes"}
{"text": "Co-working concept, Work.Life, which opens near King Street this November, has announced it has partnered with five high-profile Manchester entrepreneurs for the launch of its new space.\nSteven Bartlett (Founder and CEO, Social Chain), Sacha Lord (Founder, The Warehouse Project, Founder, ParkLife, and Night Time Economy Advisor to Greater Manchester), Nick Speakman (Founder, SPORF), Karina Jadhav (Founder, Menagerie) and Anthony Logan (Founder and CEO, Noir) have all worked with Work.Life to create bespoke artwork for the space.\nRepresenting the Manchester entrepreneurial scene, each has provided their own wall quote to inspire the next generation of start-ups and Manchester businesses working within the space.\nThe artwork will be available to view when the co-working venue, situated in the CORE building on Brown Street, officially opens on 19 November.\nTo celebrate further, Work.Life will also be hosting a series of’ ‘An Evening With..’ sessions with the entrepreneurs, for business owners and start-ups to hear exclusive takeaways, business tips and the stories behind their journeys to the top.\nEvening sessions with Karina Jadhav and Sacha Lord are already confirmed for November, with tickets opening today across the @workdotlife social channels and through EventBrite.\nSacha Lord, Founder, The Warehouse Project, Founder, ParkLife, and Night Time Economy Advisor to Greater Manchester and who has contributed to the design of Work.Life, comments, “Start ups form the foundation of business throughout Greater Manchester. I’m delighted to see and support Work.Life, which will undoubtedly become a hub for the next generation of entrepreneurs from our city.”", "label": "Yes"}
{"text": "Also hold apprised of all safety updates of materials and points with things like off-gassing, carbon monoxide production, and different chemical precautions. Let the native public courses find out about your teaching business.\nCultivate relationships with the workers and encourage them to suggest you as a coach. Golfing is a recreation that business folks use to develop relationships outside the office.\nThe Resuming Business Toolkit is designed to help employers in slowing the unfold of COVID-19 and decreasing the influence of their office when reintegrating workers into non-healthcare business settings. There is still time to entry no- and low-interest loans designed to assist small businesses endure pandemic restrictions on their operations. USPS® offers bulk mail and volume delivery companies for small to massive businesses. Easily print and monitor labels, schedule pickups, arrange commercial forwarding, and handle customer returns. Boost campaigns with targeted promoting and business insights from advertising and transport consultants.\nCost to start out this business can be advertising supplies and a reliable automotive to get from consumer to client. A love of cooking became a full-time business for Nancy Neal of Melbourne, Fla. She makes jams, jellies and spreads right in her house kitchen, now has about 50 merchandise together with soup mixes at herNancy’s Pantry Cornerin a wide range of markets.\n- Selling life insurance on the aspect could quickly generate a consistent $1,000 – $2,000 per 30 days relying on how a lot time you make investments in this aspect business idea.\n- Avon, Mary Kay, Pampered Chef, and Tupperware all enlist the assistance of native gross sales representatives to get the word out to shoppers about their products.\n- Selling insurance products—particularly life insurance coverage—could also be a great way to bring in some further cash and build residual income in your spare time.\n- If you’re comfortable talking to folks a couple of product, this business concept might be for you.\nLegalZoom gladly offers providers to citizens of the EU wishing to start out a business or defend their intellectual property within the United States. A trademark is likely one of the most important business property you will ever own. It distinguishes your organization and its products in the market.\nPlus, your neighborhood members will learn from one another alongside the way in which. Creating the house for that group can be as simple as establishing a private Facebook group or selecting a community-constructing platform like Slack that has extra capabilities to use your personal custom URL, have internal forums, personalized designs and more. With what number of business ideas already exist out in the world, it may be troublesome to come up with the right aspect business concept you need to be spending your time on. And by now you probably already know… one of many lowest value (and most attainable) business ideas you can start engaged on proper nows launching a weblog of your own. For that purpose, I recently put together a free information that breaks down how to begin a weblog and I share the precise strategies I’ve used to show my blog right into a more than $50,000/mo business.\nYou do need to be a greater than average golfer to develop a status as a golf coach. You also must be a great trainer, know the way to be motivational and be keen to work with many different types of individuals. People love to spend weekends rummaging via tables filled with different people’s undesirable gadgets, looking for treasures. Make certain to vary your layout and put new stuff out for sale often.\nAnother issue with the PPP loan is that it covers only eight weeks of expenses, and the money should be used as quickly as the business proprietor starts receiving it. That’s robust for restaurants and other businesses which are nonetheless closed or working with a skeleton crew for takeout. Another big criticism is that small companies have to use three-quarters of the PPP cash on payroll in order for it to become a grant that does not should be repaid.\nBut in your individual business you possibly can transcend the boundaries and guidelines to make your small business successful. But when it comes to your personal business then there isn’t a restrict for cash to return in. You can get as much revenue as you want along with your onerous work ( it is a condition 😉 ). In job there is a limit to it but in Business there is no restrict. If you’ve a job then there you will get a fixed monthly salary for your work, which can be increased with “unnoticeable amount” after a 12 months or two.", "label": "Yes"}
{"text": "The marketing mix is a combination of 4 P’s (product, price, place and promotion) that should be used in conjunction with each other to ensure a competitive edge over other companies. ‘The marketing mix is designed to produce mutually satisfying exchanges with a target market’.\nMarketing mix is one of the most popular terms of the management. Marketing mix includes several terms like place, price, product and promotion these factors hold the key and known as Four P’s and even though there are some other factors like people, process and physical evidence. Any organization either a profit-making or non profit-making has to analyse and understand all these factors because they play a vital role in the marketing environment.\n“The term marketing mix refers to a unique blend of product, place (distribution), promotion, and pricing strategies (often referred to as the four Ps) designed to produce mutually satisfying exchanges with a target market.”(Lamb,Hair and McDaniel, 2012, p.47). A marketing mix is important in business because it maximizes a company's chances of achieving steady, continual success in its operations. It also ensures that a company remains responsible to its customers by living up to its product claims.\nThe marketing mix is primarily made up of four variables, and they are product, place, price, and promotion. These variables are often referred to as the four P's. Many sources often describe the marketing mix as a recipe used in developing a viable marketing strategy, with each ingredient being used different ways and at different times based on the product or service one is trying to market. This paper will utilize three sources to describe the elements of the marketing mix. It will also describe how each one of the four elements of the marketing mix impacts the development of an organization's marketing strategy and tactics.\nThe marketing mix is a business tool used in marketing and by marketers. The marketing mix is often crucial when determining a product or brand's offer, and is often associated with the four P's: price, product, promotion, and\nMARKETING MIX Thus the overall marketing strategy is outlined. The next step is to choose the most appropriate marketing mix – the 4Ps that will bring the company the best response to its wants. Product – the portfolio of goods-and-services the company offers to the target market Price – amount of money to be paid, adjusted to the current competitive and economic situation, in line with buyer`s perceptions of the product`s value. Place – all the activities that make the product available to target consumers, including intermediaries, distributors, sellers. Promotion – all the activities that present the unique characteristics of the product and persuade the customer to buy it.\n“Marketing Mix” is made up of 4P’s of marketing. This tool blends these variables together to produce the results it wants to achieve in its specific target market. “Brand Position” mentions to consumer’s reason to buy the products in preference to others.\nMars-library, 2015, Marketing mix in marketing strategy: Product, Price, Place and Promotion, viewed 3 June 2015, < www.marsdd.com/mars-library/the-marketing-mix-in-marketing-strategy\nThe marketing mix is the business tool which is used in marketing and even used by the marketers. It is often crucial for determining the product or brand and it provide overall worth to its clients. Marketing mix associated with 4P’S product, price place, and promotions.\nThe marketing mix is an integral tool in building an effective marketing strategy and implementing it with tactics. The main objective of this study is to understand the role of marketing mix. This study can be used as a tool to assist in pursuing marketing objectives.\nEvaluate concepts and principles of strategic marketing and the application to the development of an appropriate marketing mix for Kathmandu.\nThe 'marketing mix' is a set of controllable, tactical marketing tools that work together to achieve company's objectives. The marketing mix analysis is also called 4P analysis. This analysis contains a set of controllable strategic tools of marketing which work in simultaneously to attain the objectives of an organization. In this paper we will analysis two organizations with respect to their marketing mix. The companies that I have chosen for this task are Pepsi Co and Coca Cola.\nThe marketing mix concept often referred to as the “4Ps” (McCarthy, 1964), as a means of translating marketing planning into practice (Bennett, 1997) is one of the fundamental concepts of marketing theory. Marketing mix is not a scientific theory, but merely a conceptual framework that identifies thee principal\nThe four P’s of a marketing mix are as follows, product, price, place, and promotion. Each of these offers a marketing parameter for the management and company team to control. With each marketing tool there are decisions that should be met as far as the business is concerned. Therefore, there is a list for each one that should be analyzed to meet the business standards.\nMarketing mix refers to the enterprise for their target market needs, control various marketing factors (product, price, place and promotion) to optimize the combination and comprehensive utilization, in order to accomplish better economic and social benefits (Chai, 2009, p.4). Place and product will be attached more importance in this section.", "label": "Yes"}
{"text": "Crude Falls 2.8% as Hamas Says Gaza Truce Is Close\nCrude oil futures prices plunged 2.8% after reports Israel and Palestinians were near a truce eased worries the conflict would block supplies from the region.\nHamas, the Gaza Strip's ruling party, is close to a deal to halt hostilities along the Gaza Strip, but hasn't yet reached one, the Associated Press cited a senior Hamas official as saying. Meanwhile, Israeli government spokesman Mark Regev told CNN that a cease-fire deal with Gaza militants hasn't been finalized and the \"ball is still in play.\"\nU.S. oil futures had climbed 4.5% over the previous two sessions on fears that the conflict could spread throughout the Middle East and disrupt oil production and transportation.\n\"We've a had a 5% gain...since the shooting started. If it's going to stop, then the [oil] bulls have run out of steam,\" said Addison Armstrong, senior director of market research at Tradition Energy in Stamford, Conn. \"That's the main cause of the selloff today.\"\nFront-month January crude oil futures prices on the New York Mercantile Exchange settled down $2.53 a barrel, at $86.75 a barrel. The decline was the biggest in a single day since Nov. 7 when data showed a sharp drop in U.S. oil demand in the wake of Hurricane Sandy.\nNorth Sea Brent crude oil on the InterContinental Exchange settled 1.7%, or $1.87, lower to $109.83 a barrel.\nCrude-oil prices began to fall even before the truce report, with traders and analysts citing increased diplomatic efforts to quell the Gaza turmoil by the U.S. and the United Nations, along with Egypt, Qatar and Turkey.\n\"The market has built about a $3 to $5 a barrel risk premium into the price of oil since the fighting began last week,\" said Dominick Chirichella, analyst at the Energy Management Institute. \"The price of oil will likely fall quickly and pretty strongly\" if a diplomatic solution can be reached, he said.\nAs fears of an expanding Mideast conflict ease, market participants said traders will be faced with the abundant oil production and weak demand that has plagued the market since mid-September, the last time U.S. futures moved over $100 a barrel in intraday trading.\nMr. Armstrong said a Gaza cease-fire would send oil traders back to focusing on the supply and demand fundamentals and could set the stage for oil prices to fall below $80 a barrel for the first time since late June.\nThe global crude-oil market is well supplied, while signs of a sagging global economy prompts fears that the world's appetite for crude is eroding, traders and analysts said.\n\"While the global economy is continuing to falter, with no signs that a reversal is imminent\" for oil prices, Mr. Chirichella said.\nU.S. oil inventories stand at a four-month high, and the surplus from 2011 levels has widened out to a three-year high of near 39 million barrels, or 11.5%. Analysts expected data set for release Thursday by the federal Energy Information Administration to show stocks rose again last week, by 800,000 barrels. Analysts also expected the data to show a 1-million-barrel gain in gasolnie stocks and a 800,000-barrel fall in distillates (diesel and heating oil).\nThe American Petroleum Instiute, a trade group, said in its survey late Tuesday that crude oil stocks fell by 1.924 million barrels, while gasoline stocks fell 4.809 million barrels and distillates dropped 4.397 million barrels. API said refiners boosted operations to 86.1% of capacity from 83.9% a week earlier.\nTim Evans, energy futures specialist at Citi Futures, said he sees fair value for U.S. crude at around $82 a barrel now and $95 a barrel for Brent, given the supply/demand picture.\nDecember reformulated gasoline blendstock futures settled 4.2 cents, or 1.5% lower, at $2.7125 a gallon. December heating oil lost 1.2%, or 3.59 cents, to settle at $3.0392 a gallon.\nWHAT DO YOU THINK?\nGenerated by readers, the comments included herein do not reflect the views and opinions of Rigzone. All comments are subject to editorial review. Off-topic, inappropriate or insulting comments will be removed.", "label": "Yes"}
{"text": "Rwanda | Nyamasheke: Access to finance forum’s meeting convened\nA meeting of Access to finance forum in Nyamasheke district convened on the 3rd.Oct.2012 to revise the operations of financial institutions in the district and their limitations.\nCharles Bahizi the president of this forum and the vice mayor for finance and economic development who presided over the meeting asked the financial institutions to work hard and get people out of poverty and manage well people’s property.\nThis meeting discussed the problem of unpaid credits people got from financial institutions that were closed and resolutions to encourage people with certain debts to pay them for these finances to be used as they were supposed to in the development of the country.\nFinancial institutions were asked to always present monthly reports for the forum to follow closely on their operations and their limitations and to look for their solutions. The forum also analyzed the Hanga Umurimo program to see if the selected projects got the credit where some of the projects got the 1st phase of the credit.\nSavings and Credit Cooperatives in sectors were reminded to find nice buildings to operate in and to be careful in their construction process while managing well people’s fund.\nPeople who attended this meeting suggested that Access to finance forums be put in sectors and a team to learn about this and seek advice from National Bank of Rwanda was elected.", "label": "Yes"}
{"text": "...us contracts to its developing portfolio of media businesses and it has lately won A 3 year agreement for each day Office environment cleaning for IPC Media's landmark creating, Blue Fin Creating.\nWhich of the subsequent outcomes of supplying accounting information is based on the provision and need model Agency idea\nFarm Provides (merchant wholesalers besides People marketing garden and backyard garden provides through retail strategy)\nWhich of the next varieties of the effective industry speculation defines all accessible details as all publicly accessible info together with earlier inventory costs? Weak\nA reduction need to be individually for a component of Internet money when it is abnormal in mother nature and which of the following?\nMoney details can affect the speed of capital development inside the financial state and end in a reallocation of wealth involving usage and investment decision inside the financial state.\nThe just one-time overstatement of restructuring charges to lessen assets, which lessens long term charges, will be the definition of which of the next earnings management approaches? Getting a bathtub\nIf a little small business omits a GAAP necessity from audited financial statements, an experienced or adverse viewpoint could be rendered.\n...t afraid of shocks and may be used to wire the equipment all through transportation... Aquasaver Detersaver and for optimal management of cleaning solution.\nWhat is the title of the form that international corporations have utilized to reconcile their economic statements to U. S. GAAP?\nStationery and Workplace Provides (service provider wholesalers except All those offering stationery and Business materials by way of retail system)\nThe principal downside of applying The proportion of completion means of recognizing earnings from very long-term contracts is that it's unacceptable for income tax applications\n...guards world wide. At a current Conference, leaders of UNI Residence Providers, the worldwide union for cleaners, servicing and private security staff, passed a strategic want to organise employees and raise criteria in cleaning and security - two industries that make use of several of the globe's most susceptible employees when it comes to pay back and working hour...\nWhat is the essential assumption of company concept? marketing leads Why is the relationship concerning shareholders and administration an agency relationship?", "label": "Yes"}
{"text": "Ainscough Crane Hire has announced that Janet Entwistle is stepping down as chief executive after just 30 months with the company.\nIn a statement, the company said: “Ainscough has continued to deliver a strong profitable performance in challenging market conditions. Janet has been working with the board to build longer-term plans for the business to deliver future success and growth.”\nIt added: “Although Janet will now step back from the business, she will support the Board over the coming months to ensure a smooth transition.”\nJanet Entwistle joined Ainscough as CEO in September 2016. She had previously run British Telecoms’ fleet management company, BT Fleet.\nJanet Entwistle said: “I have been proud to be CEO of Ainscough Crane Hire and have thoroughly enjoyed my time with the company. I leave behind a great team and a strong business. I wish them and everyone in the business every success in the future.”\nSince 2015 Ainscough Crane Hire has been owned by US private equity firm Oaktree Capital Management. It is the third group of investors to have ownership since brothers Martin, Brendan and James Ainscough sold up in 2007.", "label": "Yes"}
{"text": "Once you get above $600 you will be seeing a variety of middle range to top end bikes. This is where things can start to get a little pricey, however if you were to build a custom to a similar spec you would be spending more so, in the long run, a complete bike is probably the perfect option! Middle range bikes in this price bracket might feature A combination of High tensile and full Cromo frames and can feature aftermarket parts on complete models.\nHopefully this guide gives you some options when you're looking at upgrading or stepping into the huge world of BMX! With technologies and manufacturing standards getting better and the market getting more competitive BMX looks like it's instore for better bikes as we move forward!\nBikes over $600", "label": "Yes"}
{"text": "If you're looking for a small personal loan online today, there are several options available. Various online lenders specialize in providing quick access to personal loans with a simple application process. Here are a few places where you can find such loans:\n- Online lending platforms: Websites like LendingClub, Prosper, and Avant facilitate personal loans online. They offer a fast and convenient application process, often providing instant decisions. These platforms connect borrowers with individual or institutional investors willing to lend money.\n- Peer-to-peer lending platforms: Platforms like Peerform, Upstart, and Funding Circle connect borrowers directly with individual lenders. You can apply for a personal loan and get funding from other individuals through these platforms.\n- Online banks and credit unions: Many traditional banks and credit unions now offer online-based services. You can apply for a personal loan on their websites, and if approved, the funds will be deposited into your bank account. Examples include Marcus by Goldman Sachs, Discover, and Navy Federal Credit Union.\n- Payday alternative loans: Some credit unions offer payday alternative loans (PALs), which are small, short-term loans designed as an alternative to predatory payday loans. These loans typically have lower interest rates and more favorable repayment terms.\n- Online installment loan providers: Companies such as CashNetUSA, Check Into Cash, and OppLoans offer installment loans online. You can apply and receive funds quickly, with the loan amount paid back over a fixed period in regular installments.\nRemember to carefully compare interest rates, fees, repayment terms, and customer reviews when seeking an online personal loan. Always borrow responsibly and choose a reputable lender with transparent terms.\nWhat is the difference between secured and unsecured small personal loans obtained online?\nSecured and unsecured small personal loans obtained online differ primarily in the presence or absence of collateral and the associated risk for the borrower and the lender. Here are the key differences:\n- Collateral requirement: Secured loans typically require collateral, such as a car, home, or savings account, which serves as security for the lender in case the borrower defaults on the loan. In contrast, unsecured loans do not require collateral.\n- Risk for the borrower: With a secured loan, the borrower risks losing the pledged collateral if they fail to repay the loan according to the agreed terms. Unsecured loans carry less risk for the borrower since there is no collateral at stake if they default.\n- Risk for the lender: Secured loans minimize the risk for lenders as they have the right to claim the collateral in case of non-payment. Therefore, secured loans often have lower interest rates compared to unsecured loans. Unsecured loans carry higher risk for lenders, leading to higher interest rates and potentially stricter approval criteria.\n- Loan amount and term: Secured loans generally allow borrowers to secure larger loan amounts over longer terms due to the added security provided by collateral. Unsecured loans typically have lower borrowing limits and shorter repayment terms.\n- Approval process: Secured loans may involve more paperwork and a lengthier approval process since the lender needs to assess the value and condition of the collateral. On the other hand, unsecured loans are faster to process with less documentation.\nBoth secured and unsecured personal loans have their benefits and considerations, so borrowers should evaluate their financial situation and preferences before choosing between the two options.\nWhat is the average repayment period for small personal loans obtained online?\nThe average repayment period for small personal loans obtained online varies depending on the lender and loan terms. Typically, repayment periods range from six months to five years. However, some online lenders offer shorter-term loans with repayment periods of three months or less, while others may offer longer-term loans with repayment periods of up to seven years. It is important to carefully review and understand the terms and conditions of the specific loan offer before accepting it.\nHow to find online lenders offering small personal loans with flexible repayment terms?\nTo find online lenders offering small personal loans with flexible repayment terms, you can follow these steps:\n- Research online lenders: Start by doing a thorough search of online lenders that specialize in personal loans. Look for reputable lenders with positive customer reviews and ratings.\n- Compare terms and conditions: Review the terms and conditions of each lender you come across. Look for flexibility in repayment terms, such as options for longer or shorter loan durations, ability to make early repayments without penalties, and options for adjusting monthly payments.\n- Check eligibility criteria: Look for lenders that have lenient eligibility criteria. Some may consider borrowers with lower credit scores or allow you to use alternative qualifications, such as income, employment history, or assets.\n- Read borrower reviews: Check for online reviews from other borrowers who have used the services of these lenders. This can give you valuable insights into their reputation, customer service, and overall satisfaction.\n- Compare interest rates and fees: Take note of the interest rates and fees charged by each lender. Compare these to ensure you find a lender with competitive rates and reasonable fees.\n- Apply for pre-approval: Once you have shortlisted a few lenders, apply for pre-approval to see if you meet their initial criteria. This process typically involves a soft credit check that won't impact your credit score.\n- Evaluate loan offers: After receiving pre-approval, compare the loan offers provided by each lender. Consider the loan amounts, interest rates, and repayment terms offered to find the most flexible options.\n- Read the fine print: Before committing to any lender, carefully read the loan agreement and understand all terms and conditions, including any potential fees or penalties associated with early repayments or late payments.\n- Make a final decision: Consider all the factors, including loan terms, interest rates, fees, and customer service, before choosing the lender that best suits your needs.\nWhat is the customer support availability for online lenders offering small personal loans?\nThe customer support availability for online lenders offering small personal loans may vary depending on the lender. However, most reputable online lenders provide customer support through various channels such as phone, email, and live chat. They generally have customer support representatives available during regular business hours, which can range from 9 AM to 5 PM or 8 AM to 8 PM, Monday through Friday. Some lenders may also offer limited customer support on weekends or outside regular business hours. It's always a good idea to check the lender's website or contact their customer support directly for accurate and up-to-date information on their availability.", "label": "Yes"}
{"text": "A recent UNCTAD study identifies three ways smallholder farmers in the landlocked southeast Asian nation can boost earnings from their harvests.\n© Hanoi Photography\nRice is king in Lao People’s Democratic Republic, but the government has put the sustainable production of another crop, maize, at the heart of its socio-economic development strategy.\nThe growing appetite for meat in southeast Asia, thanks to rising personal income, has created a flourishing regional market for animal feed, of which maize is a main ingredient.\nSandwiched between China, Thailand and Vietnam, Laos is ideally placed to benefit from this trade, according to an UNCTAD study that sheds new light on the maize value chain in the landlocked nation.\nAs the second most planted crop in the country, maize has an important bearing on welfare in a land where almost a quarter of people live in poverty, and where the poverty rate is four times higher in rural communities than in urban areas.\nThe study, Analyzing the maize value chain for export in Lao People’s Democratic Republic, highlights measures that could help the country’s farmers capture a larger share of value from maize exports, and support poverty reduction efforts by national authorities and development partners.\n“While a lot of analysis has been done aiming at improving the sustainability of maize production in Laos, there has been very little research on how to help farmers and traders take better advantage of export opportunities,” says UNCTAD economist Rodrigo Cárcamo.\n“Yet this is a crucial piece of the poverty reduction puzzle, as it’s necessary for creating jobs and boosting economic growth in the country.”\nThree key factors weigh heavily on incomes\nThe study is based on data from a field survey conducted in May and June 2019, which collected information on more than 180 farmers and 165 agricultural traders in three provinces: Xiengkhuang in the north-east and Xayaboury and Oudomxay in the north-west, where poverty is particularly widespread.\nThe author identified three key factors other than geographic location that weigh heavily on the income of farmers, who earn more if they sell maize in grain instead of on the cob, if they are part of a cooperative, and if they are less financially constrained.\nMr. Cárcamo, who is the report’s lead author, explains that “less financially constrained” means a farmer has access to storage facilities and doesn’t borrow from traders to buy inputs such as seeds and fertilizer.\n“Our analysis suggests that the factors we identified have important effects on farmers’ livelihoods,” he says.\nFor example, those who sold maize in grain earned on average $41 per ton more than those who sold it on the cob. Since the farmers in the study sold on average almost 16 tons of maize annually, this amounts to an additional $655 each year.\n“That’s a lot of money when you consider that the average farmer in the surveyed group earns just $3,622 annually,” Mr. Cárcamo said.\nLikewise, the findings show that farmers in cooperatives earn almost $21 per ton more than those who are not, when considering all other factors studied.\n“Cooperatives allow farmers to buy inputs in bulk at lower prices and help them get access to credit,” Mr. Cárcamo says. “But most importantly, they give the farmer more negotiating power with local traders when selling their produce.”\nThe study highlights that many farmers in Laos sell their maize right after harvest because they need the money immediately or lack access to storage facilities. This is unfortunate because there is a price premium for maize sold out of storage.\n“Adequate storage of dried maize reduces the risk of damage by pests and fungi and, as in the case of cooperatives, gives farmers more bargaining power with buyers,” Mr. Cárcamo says. “Unfortunately, almost a quarter of those involved in the study have no access to storage facilities.”\nAnother key finding is that farmers who receive inputs from traders earn on average between $6–8 per ton less for their maize. This is because they got such inputs as seeds on credit – for an average monthly interest rate of 2.5%, according to the study – and must pay for them by forfeiting to the trader part of their harvest.\nThe author concludes that better access to finance would greatly increase the capacity of farmers to hold on to their maize after harvest.\nThe study brings forth important questions about the current factors that restrict rural finance in Laos.\n“The findings confirm the importance of cooperative membership and helping farmers get access to the credit they need to invest in capital goods, such as storage facilities, and for buying inputs competitively,” Mr. Cárcamo says\n“Collecting the information necessary to identify the factors that restrict rural finance in the country will be key to designing effective policies.”\nThe study was carried out as part of an UNCTAD project helping commodity-dependent, landlocked developing countries integrate into regional and global value chains.\n“The project will bring a number of benefits to the Lao People’s Democratic Republic maize sector, helping us in the future to better design, implement and assess policies in this area,” said Xaysomphet Norasingh, director-general of the government’s trade promotion department in the industry and commerce ministry.\nHe added: “Enhanced data availability, as well as quantitative analysis of the maize value chain for export, are important for fostering the development of the sector in the country.”\nBesides maize in Laos, the project is analyzing the value chains for exports of roasted coffee in Ethiopia, red meat in Mongolia and dried fruits in Uzbekistan.", "label": "Yes"}
{"text": "Squeezing the most out of your budget as you head into the last quarter of the year takes both skill and strategy. It’s an art and something you get more efficient at with experience.\nI get questions like:\n- Should I reduce spend and improve my NOI or spend some to get more leads?\n- What should I invest in and what should I dial back on?\n- What will give me the quickest return if I do tick up my spend late in the year?\nLearn how to balance saving and spending now so you can be the budget season hero at year-end (and into 2024).\nHere are my three tips to use your 2023 budget wisely and get returns—and recognition—in the future:\nFocus on Bottom-of-Funnel Efforts\nReview your lead-to-tour and lead-to-lease conversion rates. It’s very likely you don’t need MORE leads, but you likely do have an opportunity to convert better on the ones whyo are already on your radar.\nWork to identify the leaks in your funnel…where are leads falling off and failing to take the next step? Invest in tools that help you convince those prospects to convert.\nConsolidate Your Tech by Re-Demoing Your Current Vendors\nNo matter what services and tools you have, start NOW and schedule a demo with as many of those partners as you can. Even a 20 minute call can help you discover gaps that can be solved with a tool or product you’re already using – and many times, at no or low additional cost.\nAdditionally, you may find you’ve had some “tool overlap” and can start to consolidate, which saves money and helps with NOI or, will help you find savings that you can then reinvest into something else you have a need for, but couldn’t yet afford. Every day our industry is evolving and if we don’t take these small steps to keep up with the tech, we’re leaving money and improved performance on the table.\nConsider Short-Term Spend that Has Long-Term Results\nHave you managed your budget effectively this year and have savings in a specific line? While we don’t ever want to spend money just because we have it, it can be beneficial to make some strategic investments with late-year budget savings.\nFor example, if you’ve identified you need to address your conversion problem and want to layer in a conversion tool, you could potentially pay for that conversion tool now with your 2023 savings, but get the service for all of 2024 without it ever hitting your 2024 budget.\nMany services offer a 5-10% discount for paying in full versus monthly and this can be a resourceful way to squeeze more out of your 2023 budget, with benefits and ROI that extend into 2024.", "label": "Yes"}
{"text": "In June, David traveled to China to visit our Chinese tea supplier personally. Along the way he bought a lot of tea and teaware, and has created these limited edition gift packs so that you can experience \"all\" the tea in China!\nWhile this is only a limited number of teas compared to everything China has to offer, we feel that a selection of teas this extensive and fresh has never been offered all together before.\nBe one of the select few to get a sampling of 29 teas (black, green, oolong, white and puerh) brought directly from China this past month.\nYou have two options:\nThe Mega Pack has double the tea of the other option in addition to more teaware. If we were to price each thing normally, the cost would be $525. However, because you're buying everything together, and in celebration of this trip, we are offering the whole pack for $375.\nThe Super Pack has everything the Mega pack has, though a few less teaware items, and half the tea. $195 ($275 retail)\nSpecial Tea Tasting\nEveryone who purchases any of the options will be invited to a special tea tasting this summer where we can try these teas together and you can learn more about Chinese tea.\nTea Farm Visit\nPictures of the Trip", "label": "Yes"}
{"text": "With bitcoin prices stuck in a months-long holding pattern, some cryptocurrency traders are speculating on what might be the next hot market bet: digital assets associated with visions of a decentralized Internet, referred to colloquially as Web 3.0 tokens.\nData tracked by Messari and published by Arca Chief Investment Officer Jeff Dorman shows the cryptocurrency sub-sector of “Web 3.0 tokens” gained 22% in the week ended Aug. 1, outshining bitcoin and every other sub-sector, including non-fungible tokens (NFTs). Bitcoin, the largest cryptocurrency by market value, rallied 10%.\nOn a year-to-date basis, tokens associated with decentralized Internet applications have seen an average 244% rise, trailing the NFT sub-sector’s 2,726% gain but beating bitcoin’s 37% appreciation.\nSome of the most prominent Web 3.0 coins, such as livepeer (LPT), helium (HNT), and bittorrent (BTT), are up at least 800% this year, despite a slump in cryptocurrency markets since April, according to Messari.", "label": "Yes"}
{"text": "Get Amazing Deals, Coupons, and Offers When Shopping at Camp Chef\nGet great deals and coupons for Camp Chef and earn cash back while you shop. Use our Chrome Extension to always get the best financial offers and rewards.\nCoupons, Cashbacks & Promo Codes\n4.00% Single Percentage on All Goods\nGrill Now Pay Later. Get 0% financing with AFFIRM on orders of $450 or more.\nMore Smoke, More Space! Get More Smoke and More Capacity on The XXL Pro Vertical Pellet Smoker.\nReach new peaks at the best prices by shopping the Camp Chef Outlet. Outlet items are always first quality, overstock items. Purchases cannot be combined with any other promotions and are non-refundable, final sale.\nNew Woodwind 24/36 - Look Who Got a Facelift! While We Kept Many of Same Features You've Grown to Adore Like the Full-Color Wifi Controller, Slide and Grill, the Pellet Purge.\nGet free shipping on orders of $150plus.\nEarly Bird Sale! Purchase a Woodwind Pro or Woodwind Grill and Get $150 Meat on Us.\nThe Stryker has never been lower, Get 63% off our favorite back packing stove for a limited time, use code SAVE95.\nMILITARY DISCOUNTS Camp Chef knows the honor and sacrifice you've made for our country—thank you for your service.\nFrequently asked questions\nDo I earn cashback?\nHow do I download the extension?\nDoes Paperclip work with Chrome and Android?\nHow much money do I get in advance?\nHow long do I have to pay back my loan?\nWhat can I pay for using my Paperclip earnings?\nWhat happens when I watch financial advice clips?\nDownload Paperclip Today!\nPaperclip takes the stress out of finances! Now you can spend more time enjoying life instead of worrying about money and bills. Download Paperclip today to check it out for yourself!", "label": "Yes"}
{"text": "It all started 3 weeks ago, when we were in the thick of exams. Anaga was preparing for her 10th and Ananya for her 6th. In between answering questions on Ashoka and Buddhism, Ananya was busy scribbling down a menu card. “What are you doing?”, I asked. “Mummy, this is for the charity sale for Easter. Shika and I are getting it ready.”\nI brushed it off as another attempt by Ananya to avoid studying! Not really. 3 weeks and umpteen cupcakes, sandwiches and custard cups later, she and her cousin have collected an amazing Rs 3200 from the sale. Rs 800 came from some craft items Ananya and her friends made, while the rest came from the food.\nBut more than the actual money they made (ahem….I spent almost that at Reliance!), what amazed me was Ananya’s planning and execution……She had everything ready on the day of the sale – April 5. She had already gone to all our neighbors and told them about the sale. Along with that, she distributed small pieces of paper with the date and time. She also had a menu card that listed the items for sale and the prices. The day before the sale, she went with the menu card to each of these houses and recorded their orders.\nOn April 5, we started the cooking at 9:30 AM. By 2 PM we had sold everything we made. Only because, Ananya had written down each family’s order in a separate page in her small notebook, and had tabulated the total number of items under each category. I had to just cook to order!\nAfter the food was delivered, she and her cousin started preparing the bills! Each villa/house had a separate bill and the collection process started. When my neighbor Rakan asked for a discount of Rs 5, Ananya refused – saying it was tax and had to be paid!!! (That’s all I need – a run-in with the local sales tax department!)\nBy 4 pm, both girls were tired and tanned! But the girls were ecstatic at the money that poured in – in 10, 20 and 50 rupees. On hearing about this, their grandmoms and aunts have promised some additional money to add to their kitty!\nSo what have they decided to do with the money? A local girl’s home in Kakkanad (near Infopark) is looking for funds to buy some sports equipment for the inmates for summer – volley ball nets, volley balls, badminton rackets and shuttlecocks……and they have decided to donate to that cause.\nFrom the Rs 3000 or so they made, Ananya is keeping back 25% as seed money for the next charity drive, since she felt bad that I spent “my” money to fund the sale. The rest is going to a local not-for-profit organization that is organizing the sports equipment for the girls home.\nSo end of the day, let’s do the math:\nSupplies from the local art shop – Rs 437\nIngredients for the bake sale from Reliance – Rs 1335\nTotal sale made – Rs 3100 (as of April 9 – they have a couple more orders to complete)\nMoney given to charity – Rs 2400\nFinding out how hard it is to earn money, even for a good cause – PRICELESS!\nSo is this blog about a mother’s pride in her daughter? Not really. This blog is about what I learnt about myself.\nI was entirely skeptical about the entire charity effort in the beginning. I also fretted and fumed about having to bake stuff and cook things for close to 4 hours. But Ananya stuck to her plan throughout the 3 weeks. And I realized that as I grow older, my conviction that “I can make a difference” has certainly taken a hit. While I donate money to good causes, the passion that I personally can do something to change the world around me was certainly lacking.\nAs I watched Ananya stick to her plan, she showed me that it does not take much to make a difference. All it takes is a small plan, little kindness and some hard work.\nThank you Shika and Ananya. For showing me that every drop counts.", "label": "Yes"}
{"text": "Prepare yourself -- the super-intelligent machines that used to be the stuff of science-fiction movies are now becoming reality. Thanks to giant strides in big-data collection and processing, machines can now be taught to recognize speech, images, and writing and even understand entire industries. Once trained, computers can interpret incoming information and react accordingly.\nThese super-human artificial intelligence (AI) capabilities are working their ways into just about every industry, and they are becoming huge competitive advantages to the companies that best employ them.\nYou may think the stocks at the forefront of this tech revolution would trade at sky-high valuations, but as the following three names show, that's not necessarily the case.\nHe wasn't kidding.\nThat year, Alphabet unveiled its AI Tensor Processing unit, an accelerator specifically designed for machine learning neural networks. TPUs are ideal for high-volume, low-precision computing tasks that make them especially useful for processing massive amounts of data. TPUs are available only in Google's Cloud platform, where they work alongside third-party graphics processing units (GPUs) and central processing units (CPUs), though Google has begun renting these proprietary TPUs to outside customers.\nThen in 2017, Alphabet launched Google.ai, a division solely dedicated to leading AI research, tools, and applied AI projects.\nAI has come to permeate all of Alphabet's businesses –- even the company's \"old\" search engine business. In 2016, Google installed its then-head of AI to lead the search business, and soon found that machine-learning algorithms executed search results even better than human-constructed algorithms.\nAI is also at the center of Alphabet's \"Other Bets\" segments, made up of transformative, \"moonshot\" projects. One example is the Waymo One self-driving taxi business, which is now driving passengers around Phoenix and could be coming to a town near you in the not-too-distant future.\nYou may think that all of this innovation would come at a sky-high valuation, but Alphabet trades at a quite reasonable 23 time forward earnings. If you strip out its $100 billion-plus in excess cash, that valuation comes down to just 20.\nThat's a huge bargain for not only the world's dominant search engine, but also several Other Bets that currently make no profits, but could one day be worth hundreds of billions of dollars.\nWhile Google has its own TPU chips, it still uses GPUs from gaming chip giant Nvidia (NVDA -2.28%). Nvidia's business began in video gaming GPUs, but as the world soon found out, graphics processors -- which can perform many more calculations at once than CPUs -- were also highly beneficial to the compute-intensive workloads AI requires. The only problem? That data must be translated into a form that a graphics chips can interpret.\nNvidia thus invented its CUDA software platform in the mid-2000s, which finally allowed massive amounts of data to be translated into familiar programming languages on graphics chips. That innovation proved prescient, as Nvidia's GPU chips and CUDA platform proved the ideal combo for the age of big data and artificial intelligence.\nLook no further than Nvidia's booming data center business as evidence. Over the past three years, Nvidia grew its data center business from just $296 million in FY 2015 to $1.93 billion in FY 2018, a more than 500% increase in just three years.\nWith all this going for it, Nvidia's stock has nevertheless been crushed over the past six months, and now trades at a sub-20 P/E ratio. This has been due to a toxic combination of the Chinese slowdown, a pause in data center investment by cloud giants, and the crash in cryptocurrencies.\nNevertheless, I expect data center investment to pick up after the cloud giants digest their current investments. Since Nvidia's CUDA platform gives it a strong competitive advantage over competitors, I expect the stock to bounce back once this slowdown passes.\nAnother stock suffering from the same temporary headwinds as Nvidia is Micron (MU -0.76%). If you think Alphabet's and Nvidia's stocks are cheap, how about a P/E ratio of 3.3?!\nThat's not a typo, but rather par for the course for Micron, which has traditionally been an extremely cyclical stock. Micron produces DRAM memory and NAND flash storage products, both of which will see exponential demand in the coming age of AI. Nevertheless, memory prices can fluctuate wildly from quarter-to-quarter based on supply and demand, and currently we are in a period of memory price declines.\nStill, artificial intelligence servers will need up to six times the amount of DRAM and twice the amount of NAND flash as a traditional server, and AI servers will become an increasing portion of cloud servers going forward. Micron is one of only three producers of DRAM worldwide. With only two competitors, the industry should be able to keep supply under control, even while demand for DRAM booms over the next decade.\nThat makes the near-term swoon a huge opportunity for long-term investors to pounce on this dirt cheap memory stock.", "label": "Yes"}
{"text": "The universal child care benefit (UCCB) was introduced in 2006 as a taxable benefit designed to help Canadian families through direct financial support.\nParents have since 2006 been receiving a $100 taxable benefit a month for each child under age six.\nOn January 1, 2015, the UCCB was expanded to include a new benefit for children aged six through 17, and the payments that parents receive for children under the age of six were increased.\nThe payment is now $160 a month for children under six, and children between six and 17 are eligible for $60 a month.\nSince payments are retroactive to Jan. 1, parents recently received $360 for each child six to 17 years old, for the first six months of 2015.\nBut don’t be so quick to spend that extra cash. According to a story published by the National Post, Canadians who received the payments can expect to see some of that amount taxed next April unless their income is so low that they don’t pay income taxes.\nThe benefit is taxable on the lower income earner in every household. However, Angella MacEwan, Senior Economist with the Canadian Labour Council, told the National Post that the lower income earner in some families will be moved into a higher tax bracket this year because of the government’s recent decision to allow income splitting. That will marginally increase how much they are asked to pay in taxes on the child care benefit, she said.\nThe increase in benefits, combined with the elimination of the child tax credit, will mean middle and upper-income earners will have more of the money taxed back at the end of the year than lower income households, said David Macdonald, Senior Economist at the Canadian Centre for Policy Alternatives, to the National Post.\n“You get a cheque and it’s tangible. You have no idea what you’re going to pay back at the end of the year,” Macdonald said.\nThe universal child care benefit applies to all Canadian families regardless of income so long as they have children under the age of 18.", "label": "Yes"}
{"text": "The subject of the current thesis work was Development of Business Planning System Based on IBM MAXIMO. I worked on my thesis as an employee of a big multinational company in an Asset and Work Management Project at Közmű Zrt. Közmű Zrt. is a power transmission company, whose main task is to ensure the transmission of electrical energy from the power plants to the electricity service providers.\nMain subject of my thesis work was the business planning process, which creates the planned budgets for different kind of maintenance, refurbishment and development works. My task was to redesign the current business process, which will be supported by IBM Tivoli MAXIMO asset and work management system.\nFirst of all I intended the MAXIMO object hierarchy in order to support the special needs of business planning at Közmű Zrt. I learned the basics of MAXIMO development and created validations, which prevents the users of creating wrong object hierarchy. I developed the MAXIMO side of MAXIMO-SAP interface, which allows the approval of business planning budgets form SAP. As a next task I created several BIRT reports, which provides the necessary data from the system for the business planning process. In order to make the process handling easy I did the necessary MAXIMO user interface customizations as well.\nAnother main part of my work was to invent how Primavera Project Management software can be involved in business planning process. As a part of this task I developed a new MAXIMO-Primavera import functionality to extend the current possibilities of implemented MAXIMO-Primavera integration. With the new import function it is possible to import the modified service costs from Primavera to MAXIMO automatically.\nWith the help of newly created business planning process in MAXIMO, more accurate planning of work costs is possible. The main advantage of this is that Közmű Zrt. is now able to save huge amount of costs on different kind of works.", "label": "Yes"}
{"text": "Bookmakers use odds to even out the bets, getting gamblers to wager on both sides of the line by leveling the playing field. Although there is overall parity in the NFL, there are teams that are haves and others that are have-nots. Indianapolis is still superior to Cincinnati but when they play each other the bookies have to get about half of the bettors to put cash on the Bengals. This covers the sportsbooks ensuring they’ll make a decent amount of cash on just about every game.\nThe National Basketball Association (NBA) has always been a staple of the sports betting community. As a part of one of the big four sports, bettors have been working to develop systems to best the basketball betting industry for decades. Some have succeeded and enjoyed the spoils, while some have fallen. Our guess is that most of those who have fallen did so due to a lack of effort, a lack of information, or just no knack for the sport.\nThat was all before Charles McNeil, a math teacher from Chicago, invented the concept of the point spread. An avid gambler, McNeil created what he called “wholesaling odds” and started his own bookmaking operation in the 1940s. He started out offering this new style of betting on football, but his business model grew to include basketball. McNeil changed the way sports betting was done, and his legacy lives on today in what we now call the point spread.", "label": "Yes"}
{"text": "As companies spend more than $2 trillion every year on acquisitions, many studies peg the rate of failure of these transactions in fulfilling expectations somewhere between 70 and 90 percent. Such performance is unacceptable in just about any endeavor. However, over time old lessons in mergers and acquisitions (M&A) failures continue to be relearned by many companies.\nThe question arises as to the board of director’s risk oversight role in overseeing the process of screening, selecting and pursuing M&A candidates, closing M&A transactions, and integrating merged and acquired entities, with emphasis on reducing risk in M&A activity. This issue of Board Perspectives: Risk Oversight analyzes the board's risk oversight role from an acquiring company's perspective.", "label": "Yes"}
{"text": "Where does the nation stand in employment opportunities in the backdrop of AI?\nWe are living in a time where everything is digital. Disruptive technologies like artificial intelligence (AI) has become central to this transformation. From retail to Fintech and cybersecurity to predictive analytics, tech pundits avow that AI now plays an essential cog in the future of these industries and disciplines. However, through some alarmists argue that AI is stealing jobs through automation and robotics, on the contrary, it has been observed that AI is also adding new job roles every day to the existing employment pool. Researchers have tracked down new job roles, occupations and emerging industries, in the AI landscape that can help us understand the job market better. Although the impact of AI is no longer confined to theoretical assumptions, the skillset of the existing workforce does shape the demand for jobs in this domain.\nThis year, the World Economic Forum had forecasted a tremendous increase in AI jobs globally over the next two years, with new jobs per 10,000 opportunities increasing from 78 today to 123 in 2022. This statistics further is backed by analyst firm Gartner, which views 2020 as a turning point where AI will start to create more jobs than it is destroying. According to a previous report, of the 1.8 million jobs AI will get rid of, the emerging field will create 2.3 million by 2020, says Gartner. Such findings, draw attention to the nexus between what is possible in the job opportunities due to AI. Economists forecast that the USA shall grow to be a major leader in AI jobs. These include machine learning engineer, data scientist, computer vision engineer and more.\nAccording to an independent study by Poker.org, most AI jobs are being offered in states with high-population cities like California, New York, and Texas. The company’s team had analyzed data from over 8,000 job advertisements, at Indeed.com in September 2020 for all 50 US states. The company also compiled online search data for AI jobs in all 50 states, adding insights by using keyword research tools to find approximate search numbers for the key terms in every state. As per the key observation, the USA state of California offered the highest jobs in AI with 1515 jobs, with San Francisco and Santa Clara offering 270 and 214 jobs respectively. Following next is Virginia with 843 jobs with Arlington having a share of 146 jobs. States like Washington, Massachusetts, New York and Texas also feature in the top 10 list, accounting for 592, 573, 562 and 447 jobs respectively. In Washington, Seattle fetches the largest share of 413 jobs, while for New York’s New York City offered 379 jobs. Even Austin had 158 jobs opening in AI out of Texas’s 447 total AI-oriented jobs.\nPoker.org also used Google Trends data to analyze the states where people search the most often for the term, AI Jobs. They also used keyword research tools to get a clear idea of how many times people in each state searched for that term. The top USA states searching for AI jobs the most were, California, Texas, New York, Florida and Illinois.\nThe AI job ads research also showed USA states with the highest number of remote jobs. The state with the most remote jobs is California (148), followed by New York (89). Texas (76), Massachusetts, (39), and Virginia (31). Furthermore, the findings revealed US states that currently offer the most entry-level jobs in AI. With California leading again (351), followed by Massachusetts (126), New York (113), Virginia (110) and Washington (84). Meanwhile, the data also showed USA states with fewest AI jobs. These are Alaska, which is also the only state with zero AI job ads, Mississippi (2) and South Dakota (4).\nBrendon Thomson, a spokesperson for Poker.org, commented: “Our research confirmed that AI jobs are growing fast, with thousands of new AI careers popping up around the country.\n“It was great to see that not all AI jobs that are currently being advertised, are mid or senior level, but there are plenty of opportunities for AI enthusiasts to join the industry through an entry-level job. The same goes for the offer of remote AI jobs in the majority of large US cities.”", "label": "Yes"}
{"text": "Application Center for Automation in Healthcare\nYou need an EU Login account for request proposals for editions or creations of new hubs. If you already have an ECAS account, you don't have to create a new EU Login account.\nIn EU Login, your credentials and personal data remain unchanged. You can still access the same services and applications as before. You just need to use your e-mail address for logging in.\nIf you don't have an EU Login account please use the following link. you can create one by clicking on the Create an account hyperlink.\nIf you already have a user account for EU Login please login via https://webgate.ec.europa.eu/cas/login\nFRAUNHOFER-GESELLSCHAFT ZUR FOERDERUNG DER ANGEWANDTEN FORSCHUNG E.V\nTheodor-Kutzer-Ufer 1-3, 68167, Mannheim (Germany)\nLink to national or regional initiatives for digitising industry\nFraunhofer is active member in the initiative „Forum Gesundheitsstandort Baden-Württemberg“ headed by the Ministerpräsident of Baden-Württemberg Winfried Kretschman, dem Ministerium für Wirtschaft, Arbeit und Wohnungsbau (https://www.baden-wuerttemberg.de/de/service/presse/pressemitteilung/pid/forum-gesundheitsstandort-baden-wuerttemberg-gestartet/). dem Ministerium für Wissenschaft, Forschung und Kunst und dem Ministerium für Soziales und Integration to strenghten the medical technology industry in Baden-Württemberg. For more information please contact\nDr. Siegfried Jaumann\nReferat 25: Lebenswissenschaften\nTheodor-Heuss-Str. 4, 70174 Stuttgart Germany\nPHONE +49 (0) 711 123 2468 FAX: +49 (0) 711 123 2145\nThe regional Cluster for Medical Technology (http://www.medtech-mannheim.de/de/cluster-medizintechnologie) is dedicated to supporting Startups and small and medium size companies in developing their digital health products more efficiently and strictly oriented towards clinical routine practice. This includes educational formats, the formation of applied research consortia, providing special office, workshop and lab infrastructure as well as bringing together Startup/SME, large corporations and and clinicians for mutual commercial projects. The Fraunhofer Project Group for Automation in Medicine and Biotechnology based in Mannheim is instrumental to these activities of the Mannheim Medical Technology Cluster, and forms a core facility for reverse translation in the field of digiatl health from-bed-to-bench-to-bed. For more information please contact\nDr. Elmar Bourdon\nFachbereich für Wirtschafts- und Strukturförderung\nRathaus E5 | 68159 Mannheim\nMobil: +49 152 546 93 258\nTel.: +49 621 293 2155\nFax: +49 621 293 9850\nMarket and Services\n- Health and social work\n- TRL1 - Basic principles observed and reported\n- TRL2 - Technology concept and/or application formulated\n- TRL3 - Analytical and experimental critical function and/or characteristic proof of concept\n- TRL4 - Component and/or breadboard validation in laboratory environment\n- TRL5 - Component and/or breadboard validation in relevant environment\n- TRL6 - System/subsystem model or prototype demonstration in a relevant environment\n- TRL7 - System prototype demonstration in an operational environment\n- Awareness creation\n- Visioning and Strategy Development for Businesses\n- Collaborative Researchs\n- Concept validation and prototyping\n- Testing and validation\n- Incubator/accelerator support\n- Access to Funding and Investor Readiness Services\n- Education and skills development\nDevelopment of a fully automated sorting device for zebrafish eggs\nClient Profile: German Resilience Center & Focus Program Translational Neuroscience (FTN) University Medical Center, Johannes Gutenberg University Mainz (https://www.ryulab.org/)\nClient Needs: Prior to the development of the new device the sorting of zebrafish eggs in the lab from petri dishes into microtiter plates was performed manually. Therefore a lab assistant had to pick the eggs from a petri dish one by one and sort them into the microtiter plate. This was a time consuming procedure and plans to scale up the whole process in numbers made it necessary to automate the task.\nProvided Solution to meet the needs: Therefore engineers of Fraunhofer IPA developed a machine which detect the eggs in the petri dish by using machine vision. The developed machine then calculates which egg needs to be picked up next by taking into account the distances between the fish and by avoiding clusters of eggs which could have caused multiple fish to be picked up accidentally. Whenever necessary the machine would separate the clustered eggs to pick them up individually. The picked up fish would then be sorted into the microtiter plate. Once fully filled the plate could be transformed to the follow up process.\nSystem for blood-sample-taking in the digital hospital\nClient Profile: University Hospital Mannheim UMM, Department for Clinical Chemistry, https://w2.umm.de/start/\nClient Needs: Taking blood samples is one of the most common medical standard working procedures in a hospital. The procedure consists of several steps that have to executed carefully: 1.) Reliable assignment of a blood sample to a patient 2.) Follow different protocols for different types of blood samples 3.) Ensure time and local (plus in future condition) sample tracking. Though the procedure of blood sample taking is part of the daily clinical routine, it is still highly prone to errors. This can result in incomplete samples, bad information for diagnosis, increasing workload for the medical staff and finally higher stress for patients, if procedures have to be repeated.\nProvided Solution to meet the needs: In the project „LabCoder“ a mobile prototype-device including software was developed and delivered to UMM. The device provides an interface to the KIS (Krankenhaus Informations System) of UMM, so that the various taken-procedures can be pre-planned and can be done centrally. The device guides through the procedures. The sample-patient assignment and the measurement of time, environmental temperature and filling level is performed within a sensor slot of the device. The procedure has to be confirmed by the user and the information is send automatically to KIS and the LIMS (Lab Information and Mangements System) of the clinical lab. In the current status, the system was developed and tested in a pre-clinical test in UMM.More details: https://w2.umm.de/start/\nProject-Name: Fusing data records to the DICOM standard\nClient Profile: QIT Systeme GmbH & Co. KG is a leading IT service company in the fields of radiology, medical imaging and DICOM communication (https://www.qit-systeme.de/ueber-uns/).\nClient Needs: QIT wanted to augment the existing archiving technology based on DICOM by features for collecting raw data (e.g. sensor data from robotics) and contextual metadata (e.g. notes written by assistants during the intervention) for each relevant event in the intervention room and then fusing the semantic and temporal dimensions of corresponding activities/events.\nProvided Solution to meet the needs: In a joint project we helped QIT collecting the data and analyzing them while QIT adapted fused data records to the DICOM standard and archived them in their platform. A graphical interface developed by Fraunhofer PAMB retrieves and presents the fused data in situation-specific ways. This opens up new avenues for knowledge discovery and data analytics in intervention environments. The newly implemented DICOM classes secures QIT status as a leading IT service company.\nUsability Tests of Clinical Software\nProject-Name: Usability Tests of the OPASCA Check-in Terminal for Digital Patient Registration\nClient Profile: OPASCA, https://www.opasca.com/\nClient Needs: The registration of patients at clinics is not yet well digitized in Germany thus requiring unnecessary occupation of clinical staff and time. The SME OPASCA is developing a check-in terminal for patient registration similar to check-in terminals found in airports. The system is currently deployed in three clinics in Stuttgart, Freiburg, and Mannheim for general patient registration as well as for radio-oncological clinics.Provided Solution to meet the needs: As part of private-public project, Fraunhofer is analyzing and testing the usability of the system at the university clinics of Mannheim. The test aim to identify weaknesses of the current implementation in order to improve user-friendly in future versions. More details: https://www.opasca.com/\nModular automation platform for cell cultivation\n- Primacyt Cell Culture Technology, http://www.primacyt.de/\n- AFT Automation, https://www.aft-automation.de/en/homepage/\nClient Needs: A high degree of automation is required to meet the rapid development of methodologies in personalized medicine for the future treatment of a wide range of diseases. Specifically, the human-specific cultivation and production on industrial scales is required, which was not possible at the beginning of the project. Cell cultivation is currently performed manually or in a semi-automated fashion on a laboratory scale. Such small-scale methodologies rely heavily on the accuracy, reproducibility, and efficiency of the process conducted by human technicians. Ensuring processed cells meet stringent quality criteria constantly is a key factor.\nProvided Solution to meet the needs: The EU project ManuCyte aimed at the development of an integrated, intelligent, flexible and modular automation platform for cell cultivation in order to enable patient-specific cell cultivation in an industrial scale.More details: https://cordis.europa.eu/result/rcn/140355_en.html\n(part of) Public organization (part of RTO, or university)\nNumber of employees\n- National basic research funding\n- National specific innovation funding\n- Private funding\nKUKA ROBOTER GMBH\nUniversity Medical Center Mannheim\nUniversity of Mannheim\nMedical Technology Cluster Mannheim\nCarl Zeiss Meditech\nUniversity of Heidelberg\nResearch & Technology organization\n- Micro and nano electronics, smart system integration\n- Sensors, actuators, MEMS, NEMS, RF\n- Photonics, electronic and optical functional materials\n- Robotics and autonomous systems\n- Interaction technologies (e.g. human-machine Interaction, motion recognition and language technologies)\n- Data mining, big data, database management\n- Simulation and modelling\nEuropean Network of competencies and platforms for Enabling SME from any sector building Innovative CPS products to sustain demand for European manufacturingEuropean Network of competencies and platforms for Enabling SME from any sector building Innovative CPS products to sustain demand for European manufacturing\nSMEs play a key role in European economies; they constitute the largest business block and provide the bulk of employment. They generate most of the innovative ideas for ICT and CPS-enabled IoT products, two areas which represent an inflection point for innovators and industry in Europe.\nEuroCPS is an ambitious project that aims to arm Europe with a network of design centres that will boost and initiate synergies between SMEs, major CPS-platforms, and CPS-competency providers, to capture the emerging markets for IoT products.\n1. Leverage the existing regional ecosystem across the full value chain (from micro-electronics, smart systems, and CPS, to high value added products and services) and range of expertise and competencies to provide innovators from any sector with an easy path to build innovative CPS-enabled systems.\n2. Act as a one-stop-shop that provides a critical mass of technologies and competencies by facilitating user-supplier partnerships across value-chains and regions. Hence the typical development time of innovative for CPS applications will be significantly decreased through the ease of access to the platforms, and coaching by the competence partners within EuroCPS.\n3. Link software, system and nano-electronic industries along the full CPS value chain to demonstrate a new cooperation model evidenced by experiments initiated and led by innovators that translate the rich pool of ideas from end users into implementation of CPS applications made in Europe.\nEuroCPS gathers major European system suppliers and world class research centres and technology providers, all rooted in the top European regional ecosystems. Based on strong foundations in European and national initiatives, EuroCPS will, through pan European collaboration and knowledge exchange and access to the strong value chain in this strategic sector, significantly reduce development time and certification efforts, thus putting Europe at the cutting edge of CPS development and implementation.\nOpen Data INcubator for EuropeOpen Data INcubator for Europe\nThe Open Data INcubator for Europe (ODINE) project will set up an environment to support and advice SMEs and start-ups in creating commercial added value from open data. Drawing on the experience from key players in the consortium including Wayra (an incubator/accelerator), Fraunhofer IAIS and the ODI (both data facilitators and incubators), Telefonica (providing computing infrastructure and strong links to data protection and privacy stakeholders), and the University of Southampton (renowned for its open data research and home of Sir Tim Berners-Lee and Sir Nigel Shadbolt), we plan to establish a EU-wide, industry-focused network of open data companies around Europe, promoted and guided by the trusted authorities and commentators at the Guardian and OKFN. To achieve this we shall take an approach that follows ‘best in class’ practice for incubators and which makes it as a simple and smooth as possible for SMEs to apply for help. We will offer: (i) a transparent, fair, and efficient proposal process for SMEs and start-ups, based around Wayra, IAIS and ODI’s existing and successful processes; (ii) a network of European open data SMEs and start-ups; (iii) initial investment in these companies through an open call; (iv) incubation and mentoring by ODI, Fraunhofer and Wayra academies, with the possibility of acceleration via Wayra, Telefonica Ventures, and Fraunhofer Venture; (v) access to data services and computing infrastructure from IAIS, ODI, OKFN and Telefonica; (vi) expert support from serial entrepreneurs and intrapreneurs, and coaching from business schools; as well as (vii) high visibility through promotion of success stories by the Guardian, ODI and the OKFN. A successful open data incubator will significantly help Europe to regain leadership in technical innovation, balanced with the ethical treatment of data for which the public are crying out, and to create skilled jobs that help Europe become more productive and competitive in the 21st Century.\nGateOne - Innovation Service for European Smartization by SMEsGateOne - Innovation Service for European Smartization by SMEs\nGateOne’s mission is to accelerate smart systems adoption by European SMEs in facilitating their access to advanced technologies for the development of innovative and smart solutions. GateOne offers Innovation as a Service to the benefit of SMEs in structuring a complete and adapted innovation chain to contribute to the Smartization of Europe. The concept is based on an innovative and pragmatic approach to cross the valley of death. Our Innovation Action is designed to enter efficiently into a new management paradigm in implementing critical size mechanisms. We will work on a unique Pan European portfolio of smart systems technologies to make them attractive and available for evaluation by a large panel of European SMEs. 20% of the portfolio will be related to bioelectronics technologies. In implementing the New Product Introduction process, our service will provide a collaboration framework between SMEs and RTOs, to progress from Lab to Market. From a complementary smart systems technologies portfolio we will work on 50 small scale projects to deliver innovation concept in the form of demonstrators. They will be produced at the only condition that an SME expresses interest and engages to enter into a testing phase. Our innovation service will allow low risk evaluation conditions. We will introduce “product concept” designed on a business case to meet SMEs expectations. We will structure, an adapted innovation chain, while validating the cost efficient manufacturability of the solution. A broad diffusion will make GateOne a European entry point of state-of-the-art technology for smart systems.Inherited from COWIN CSA success and commitment of RTOs to further apply and develop the COWIN approach, GateOne will lead to a major breakthrough for European competitiveness in engaging SMEs in the smartization wave. The support of the European Commission will validate the concept and prepare its sustainability with RTOs, industrials and private investors support.\nSupercomputing Expertise for SmAll and Medium Enterprise NetworkSupercomputing Expertise for SmAll and Medium Enterprise Network\nNetwork of HPC Competence Centres for SMEs\nAccess to I4MSAccess to I4MS\nThe new industrial revolution which is based on the deep integration of ICT in manufacturing and characterised by new industrial technologies such as cyber-physical systems, IoT, additive manufacturing, and simulation offers great potential. EU industries are well placed to benefit from the new ICT- driven industry, but a challenge is for SMEs to participate in and to benefit from the new industrial revolution. To turn this vision into reality for European SMEs the I4MS project aims to increase the uptake of ICT by manufacturing SMEs. It does so through innovation and support actions. The Access to I4MS (XS2I4MS) project is a support action to advance the European I4MS community, and expand its coverage, notably through the I4MS Mentoring programme which is aimed at supporting the establishment of a network of Digital Innovation Hubs.\nXS2I4MS supports the continued expansion of services provided to DIHs in a number of ways. It has established a special section on the single portal for the I4MS community (WP1). The project builds a solid information base for I4MS in WP2 - the I4MS Observatory. Sharing best practices and dissemination (WP3) aims to extend the reach and impact of IMS as widely as possible through the collection of information about other digitization activities in Europe. Brokerage support and information activities (WP4) are aimed at supporting a key task of the DIH and also focuses on the assessment how DIHs can be financed. Specifically, the outreach activities in WP5 (Mentoring and Coaching for Regional Innovation Hubs) aim to extend the network to include SMEs in regions not currently participating in I4MS. WP6 (Management and Coordination) will ensure effective coordination of tasks.\nThe XS2I4MS consortium presents a strong mix of organisations to realise excellence and impact. Three large European applied research organisations, TNO, Fraunhofer and VTT, have as their core business transfer of technologies to manufacturing. They have state-of-the art facilities in open innovation. They have programs tailoring technologies and business models to the needs of SMEs. The Manufacturing Technology Centre (MTC) is specialized on advanced manufacturing and has a dedicated Training Centre. Brainport Development has a major role to support high-tech SME start-ups in developing business plans, and accessing finance for growth.\nFactories of the Future Resources, Technology, Infrastructure and Services for Simulation and Modelling 2Factories of the Future Resources, Technology, Infrastructure and Services for Simulation and Modelling 2\nFortissimo 2 will drive the uptake of advanced modelling, simulation and data analytics by European engineering and manufacturing SMEs and mid-caps. Such an uptake will deliver improved design processes, better products and services, and improved competitiveness. For the European Union as a whole this means improved employment opportunities and economic growth.\nThe importance of advanced ICT to the competitiveness of both large and small companies in the engineering and manufacturing domain is well established. Despite early successes in this area, there are still many barriers to the uptake of such solutions, not least of which are the initial cost and complexity of adoption, particularly in the context of challenging trading conditions. This proposal targets the ICT Innovation for Manufacturing SMEs (I4MS) action line (Phase 2) and builds on Phase 1 of that initiative.\nPhase 2 addresses the adoption of next generation ICT advances in the manufacturing domain. At the core of Fortissimo 2 are three tranches of Application Experiments (~35 in total). An initial set is included in this proposal and two further sets will be obtained through Open Calls for proposals. These experiments will be driven by the requirements of first-time users (predominately SMEs) and will bring together actors from across the value chain, from cycle providers to domain experts via the Fortissimo Marketplace. This will enable innovative solutions to manufacturing challenges, leading to new and improved design processes, products and services. A key feature of Fortissimo 2 will be the adaption of the Marketplace to meet the needs of end-users. It will offer a responsive and reliable service to companies which want to access HPC and Big resources and expertise.\nFortissimo 2 initially involves 732 months of effort, a total cost of €11.1m and EC funding of €10m over a duration of three years, commensurate with achieving its ambitious goals.\nBusiness Experiments in Cyber Physical Production SystemsBusiness Experiments in Cyber Physical Production Systems\nBEinCPPS Innovation Action aims to integrate and experiment a CPS-oriented Future Internet-based machine-factory-cloud service platform firstly intensively in five selected Smart Specialization Strategy Vanguard regions (Lombardia in Italy, Euskadi in Spain, Baden Wuertemberg in Germany, Norte in Portugal, Rhone Alpes in France), afterwards extensively in all European regions, by involving local competence centers and manufacturing SMEs. The final aim of this Innovation Action is to dramatically improve the adoption of CPPSs all over Europe by means of the creation, nurturing and flourishing of CPS-driven regional innovation ecosystems, made of competence centers, manufacturing enterprises and IT SMEs.The BE in CPPS project stems upon three distinct pillars:• A FI-based three-layered (machine-factory-cloud) open source platforms federation, integrated from state-of-the-art R&I advances in the fields of Internet of Things, Future Internet and CPS / Smart Systems and able to bi-directionally interoperate data pertaining to the machine, the factory and the cloud levels.• A pan-European SME-oriented experimentation ecosystem. In a first phase of the project, the five Champions will provide requirements to the platforms integrators. In a second phase, an Open Call for IT SMEs developers (applications experiments) will award 10 third parties. In a final third phase, the extended platform will be instantiated and deployed in additional 10 third parties equipment experiment SMEs.• A well-founded method and toolbox for Innovation management, where an existing TRL-based methodology for KETs technology transfer will be enriched by a CPPS certification, education and training programme for young talents and experienced blue collar workers and by a well-founded three-fold (objectives-variables-indicators) method for results assessment and evaluation.\nROBOTT-NET - A shared infrastructure to sustainably optimise technology transfer throughout EuropeROBOTT-NET - A shared infrastructure to sustainably optimise technology transfer throughout Europe\nThe main objective of the TT-Net initiative is to create a sustainable European infrastructure to support novel robotic technologies on their path to market. TT-Net will develop and test mechanisms for sharing expertise and physical research infrastructures, and a unique multidisciplinary approach that enhances cross-fertilisation of ideas between academia and industry. We transform successful national structures and mechanisms used by Research and Technology Organisations (RTOs) in Denmark, Germany, Spain and the UK; merging them into a Europe-wide, composite, technology transfer system. Together we will test and improve a four-stage process to accelerate the path to market for new robotic technologies. The first stage involves promoting state-of-the-art industrial and professional service robot technologies to over 1,200 end-users and robot developers (from industry and academia) in a bidirectional exchange of views and opinions about robotic research trends, needs and technology developments, and soliciting participation in TT-Net. The second stage involves technical and business feasibility studies for both end-users and robot developers at about TRL 5. The third stage implements first field trials at TRL 6 for a novel technology and then produces complete TRL 7+ robotic automation solutions at end-user sites. The fourth stage is the completion to TRL 9, facilitated within TT-Net but happening outside project control. Accelerating the path to market of new robot technologies will increase Europe’s market share in both industrial and professional service robotics. Installing European-standard robotic automation at end-user sites instead of the present national-standard automation will contribute substantially to increasing the competitiveness of Europe's manufacturing sector and in particular SMEs.\nEUROPRACTICE training, CAD and prototyping services for European universities and research institutEUROPRACTICE training, CAD and prototyping services for European universities and research institut\nThis proposal is submitted to continue the current EUROPRACTICE 2013 Service.\nThe current EUROPRACTICE 2013 Service project, part of the 7th Framework and ending on 31 December, 2018, is widely recognized as a world-leading service offering state-of-the-art CAD tools and microelectronics-based technologies to universities and industry. Today, through the EC funding of the EUROPRACTICE 2013 project, 650 European Academia (550 universities and 100 research centers) have access to this Service. Continuation of this service is considered indispensable (strong support letters from 130 Academia) as universities need to be able to renew their annual CAD licenses for continuing support of their research and training courses and need to get further IC prototyping services for their EC-funded research projects. The proposal covers 2.5 years of full operation (1 July 2016 until 31 December 2018).\nThe objectives are offering access to CAD tools for training and research, and access to advanced IC and More-then-Moore technologies for prototyping.\nAs a broker, EUROPRACTICE negotiates low cost conditions with the most popular industry-standard CAD vendors for educational use and non-commercial research within the 650 European Academia. EUROPRACTICE has negotiated with several foundries agreements to buy or share low cost MPW (Multi Project Wafer) runs in order to offer low cost prototype possibilities to universities and research institutes in advanced IC and More-than-Moore technologies. Also discussions will continue with other European “service” providers, initiated by EC funded projects, in order to make them available to the Europractice member Academia. As such, the IC service will be further extended with prototyping possibilities in MEMS and Photonics-like technologies.\nDedicated training courses mainly on design flows using the latest EDA tools, PDKs and advanced technologies (that are available through Europractice) will be organized for the benefit of the 650 institution\nROS-Industrial quality-assured robot software componentsROS-Industrial quality-assured robot software components\nROSIN will create a step change in the availability of high-quality intelligent robot software components for the European\nindustry. This is achieved by building on the existing open-source “Robot Operating System” (ROS) framework and\nleveraging its worldwide community. ROS and its subsidiary ROS-Industrial (European side led by TU Delft and\nFraunhofer) is well-known, but its European industrial potential is underestimated. The two main critiques are (1) is the\nquality on par with industry, and (2) is there enough European industrial interest to justify investing in it? Partially, the\nanswer is “yes and yes”; ample industrial installations are already operational. Partially however, the two questions hold\neach other in deadlock, because further quality improvement requires industrial investment and vice versa. ROSIN will\nresolve the deadlock and put Europe in a leading position.\nFor software quality, ROSIN introduces a breakthrough innovation in automated code quality testing led by IT University\nCopenhagen, complemented with a full palette of quality assurance measures including novel model-in-the-loop continuous\nintegration testing with ABB robots. Simultaneously, more ROS-Industrial tools and components will be created by making\n50% of the ROSIN budget available to collaborating European industrial users and developers for so-called Focused\nTechnical Projects. ROSIN maximizes budget efficacy by alleviating yet another deadlock; experience shows that industry\nwill fund ROS-Industrial developments, but only after successful delivery. ROSIN provides pre-financing for developers\nwhich will be recovered into a future revolving fund to perpetuate the mechanism.\nTogether with broad education activities (open for any EU party) led by Fachhochshule Aachen and community-building\nactivities led by Fraunhofer, ROSIN will let ROS-Industrial reach critical mass with further self-propelled growth resulting\nin a widely adopted, high-quality, open-source industrial standard.\nBringing FIWARE to the NEXT stepBringing FIWARE to the NEXT step\nDigital technologies underpin innovation and competitiveness across a broad range of market sectors. A key technology to boost such innovation and competitiveness is represented by the full and wide adoption of Open Service Platforms. In fact, they will allow increased competition and market penetration because they should be built on top of royalty-free open specifications, adopting open source reference implementations, and s such allowed to be offered by multiple vendors. The Seventh Framework Programme for Research and Technology Development (FP7) has developed the FIWARE platform which has demonstrated its potential of becoming a service platform of choice, with proven potential for usage by SMEs and startups. This rises to the extent that four main ICT players in Europe with global ambition have put FIWARE in their strategy for market development. More than that, those four players announced the creation of an open to all legal entity, the FIWARE Foundation, to have more stakeholders driving the evolution of FIWARE. Well in this scope, the aim of the FI-NEXT project is to put in place all the measures necessary in order to make FIWARE materializing such a potential. This will achieved pursuing the following objectives: a) bringing FIWARE from an European Open Source project to a global Open Source Community, b) ensuring FIWARE meets the highest quality standards and best technical support, c) positioning FIWARE as the de facto standard for the development of smart applications, and d) ensuring FIWARE Lab to be a self-sustainable environment.\nSMART Emerging Electronics Servicing DIHSMART Emerging Electronics Servicing DIH\nThe market for organic & printed electronic products is growing at a high level (BUS$ 23-24 in 2014) with predicted annual growth rates of 20 % in all fields. Although the use of OLAE in products is still limited and only have been commercialized by large corporates, the number and type of products has grown significantly. These emerging markets are a huge opportunity for the EU industry. But EU small & mid-size companies have had only a limited access to technologies and often lack the capabilities needed to benefit from OLAE. These include the ability to fully understand the technological implications and the related business implications. They need support in the translation of the OLAE technologies into innovative products, assessing potential markets, finding investors, developing new business models and creating the right partnerships to optimally benefit from OLAE opportunities.\nSMARTEES will be the Digital Innovation Hub dedicated to OLAE, an organized European innovation network that provides both access to competencies and business support for innovation adoption. SMARTEES will help the European industry to create a competitive advantage within the global economy by providing access to disruptive OLAE technologies and innovation support in a pragmatic, operative and efficient pan-European manner.\nA 1-Stop-Shop will be set to establish a collaborative environment and to provide wider access to the technology at the same time as coordinating the bespoke services and efficiently and effectively linking them together. 20 Application Experiments will be conducted to explore the technology transfer into business, organization of cooperation, access to finance, services to be provided and act as showcases to raise awareness and activate potential users. The established eco-system will be harnessed by the consortium to propel the continuity of the initiative beyond SMARTEES. This will include the formulation of a comprehensive business plan as a strategic outcome.\nFederated CPS Digital Innovation Hubs for the Smart Anything Everywhere InitiativeFederated CPS Digital Innovation Hubs for the Smart Anything Everywhere Initiative\nThe overall ambition of the FED4SAE innovation action (IA) is to boost and sustain the digitization of the European industry by strengthening competitiveness in Cyber Physical Systems (CPS) and embedded system markets. In alignment with the \"Smart Anything Everywhere\" initiative goals, FED4SAE will:\n- Create a pan-European network of Digital Innovation Hubs (DIH) by leveraging existing regional ecosystems across full value chains and a range of competencies. DIHs will enable both tech and non-tech innovative Third parties (Startups SMEs, Midcaps) from any sector to build new products and services with “digital inside”.\n- Act as a European added-value one-stop-shop to facilitate innovators-suppliers cross-border partnerships which will accelerate innovation in products and processes of European Third parties by providing technical, industrial and innovation management expertise. This will lead to quantifiable increases in market shares, productivity, industrial capacities of the Third parties, and a broader adoption of CPS and embedded systems solutions.\n- Link innovators to investors associated to DIHs to reach out to further funding opportunities and enable the next steps of the Third parties’ developments after completing their application experiments (AEs).\n- Ensure the self-sustainability of the DIHs pan-European network by developing cooperation with regional organizations and key stakeholders engaging public and or private investment to fund FED4SAE network activities.\nFED4SAE is built upon the key learnings obtained in the EuroCPS, Gateone-project, CPSE Labs IAs. FED4SAE will leverage the best practices related to Third party engagement, submission, evaluation and selection of AEs. FED4SAE will give birth to a competitive ecosystem where European Startups, SMEs and Midcaps will thrive as they access to leading technology sources, competencies and industrial platforms and also to well-connected business infrastructures and existing regional innovation hubs.\nDigital Innovation Hubs boosting European Microelectronics IndustryDigital Innovation Hubs boosting European Microelectronics Industry\nDIATOMIC aims to establish a sustainable ecosystem to facilitate AME/SSI-based innovation in the health, agrifood and manufacturing sectors, all of which are under-digitized and of prime importance for society and the economy.\nDIATOMIC ecosystem draws from the advanced technological excellence of the DIATOMIC consortium to execute three sector-specific cross-border Application Experiments to help technology adopters, end-users and smart solution developers realise tangible benefits of digitization. In-house excellence in dissemination is leveraged to ignite further ideation of digital products, processes and business models from non-tech SMEs and midcaps; thus promoting interest in experimentation with AME and SSI.\nAt the heart of the ecosystem, three interconnected sector-specific Digital Innovation Hubs (DIH) pulsate to accelerate digitization in-beat with sector-specific needs, and to enable delivery of AME/SSI based applications to a critical mass of customers. DIHs first assist non-tech companies to couple with counterparts across the EU with complementary technological competencies. Then, acting as a one-stop-shop, they offer the teams (i) strong technological support to accelerate design, development, prototyping and manufacturing and (ii) business support to develop solutions with a robust product/market fit.\nTwo open calls are organised to attract and select the best of the best consortia, consisting of tech adopters, tech providers and Competence Centers. Application Experiments will be funded to generate AME/SSI-based products, processes and business models with strong market potential.\nDIATOMIC delivers the structure and three instances of sector-specific DIHs, +75 Competence Center, +20 application experiments, along with a validated ecosystem sustainability plan.\nDIATOMIC consortium is a fusion between: technological research centers (IPA, IPN and BIOS), CCs (INTRA, LIB and SYN), innovation consulting (INO), SMEs community (F6S) and investors (FASTT).\nManufacturing Industry Digital Innovation HubsManufacturing Industry Digital Innovation Hubs\nVISION: By 2023, Europe will set the reference for the Industry 4.0 market: European CPS/IOT Open Digital Platforms providers will be able to flexibly and dynamically connect the Real World with digital Enterprise Systems through common open standards; European ICT SMEs will be growing fast through leadership in data-driven smart Industry 4.0 services; European Manufacturing SMEs will successfully compete globally with innovative products and services, digitised Industry 4.0 processes and innovative business models, involving their workforce at all levels in this Digital Transformation innovations.\nMISSION. The MIDIH 4.0 project aims at implementing the fast, dynamic, borderless, disruptive side of the I4MS innovation coin: technological services (interactive try-on demos, webinars, challenges, hackathons and awards) will be driven by young and dynamic ICT talents virtually meeting older and experienced manufacturing engineers in a one-stop-shop global marketplace; business services (ideas incubation, business acceleration, demand-offer matchmaking and brokerage, access to finance) will support SMEs, startups, web entrepreneurs as well as corporates in the delivery of innovative products and services, in accessing new markets, in fund-raising; skills building services (serious and role games, participative lessons and webinars, virtual experiments in physical teaching factories, professional courses for existing technicians as well as for executives) will not only help SMEs and corporates understand the new technologies, but also take full advantage of them, providing an operational framework that will stimulate trust, confidence and investments.\nThe MIDIH project is an inclusive Innovation Action of 21 beneficiaries coming from 12 EU Countries, including, Competence Centers, Digital Innovation Hubs, CPS/IOT Technology Providers as well as Lighthouse Manufacturing Industries. A two-iteration Open Call will help achieve a critical mass of cross-border experiments.\nLogistics for Manufacturing SMEsLogistics for Manufacturing SMEs\nL4MS (Logistics For Manufacturing SMEs) will spark incremental (productivity increase of new users by a factor of 4 and system setup time reduction by a factor of 10) and disruptive innovation (batch size one & consumerization) for over 100,000 European Manufacturing SMEs & Mid-Caps, building on their intra-factory logistics challenge (50% of the production cost of an item) unleashing their digitalization potential by powering new robot systems that are more cost effective at lower lot sizes.\nL4MS relies upon:\n• An open industrial IoT platform with enablers for rapid and efficient deployment of customized logistics solutions.\n• A suite of \"Smartization services\" including business modelling, technical support, mentoring, access to skills and to finance.\n• The L4MS Marketplace, a one-stop-shop, where European Manufacturing SMEs & Mid-Caps will access the L4MS services.\n• A portfolio of 23 cross-border Application Experiments by 50 SMEs selected through 2 competitive Open Calls, that will test more than 40 services & apps leveraging 10M€ of public funding across 12 established and emerging Digital Innovation Hubs.\n• A growing ecosystem that will foster Smart Specialization in each single region linked to L4MS.\nL4MS will transform a pan-European ecosystem into a self-sustainable start-up operating an Open Platform for Innovations in Logistics (OPIL) and L4MS marketplace consisting of 21 members. Comprising 6 Competence Centres, 5 technology providers, 4 industry associations, 3 end-users and 3 business developers -currently engaged in I4MS (XS2I4MS, HORSE and BEinCPPS) and FIWARE- plus 6 Satellites Nodes. L4MS covers 14 EU countries, 15 regions with 8 of them from East Europe.\nL4MS will help demonstrate that public funded research with a “Smartization” approach (accelerating Industry 4.0) can help manufacturing SMEs & Mid-Caps achieve digital excellence and global competitiveness through logistics automation become “entrepreneurial states and digital industries”.\nEU SMEs/mid-caps face clear barriers in the uptake of Additive Manufacturing (AM) related to lack of skilled human resources, and lack of access to know-how, equipment, infrastructure and markets. The principal objective of this project is to overcome those barriers and enable the uptake of AM technologies by SMEs/mid-caps leading to the development of innovative business and service models and new value-chain models in a fully digital environment – thus bringing their ideas and business cases to life and making their innovations Additively Manufacturable (AMable). To achieve this objective, partners with expertise right across the AM value chain have been brought together from the four corners of the EU to:\n- create an open-sourced-based, living and adapting AM eco-system which can offer required assistance to European SMEs/mid-caps and become self-sustainable after project execution;\n- provide all necessary assistance to SMEs/mid-caps allowing successful exploitation of AM, including 3 ‘competitive calls’ for experiments;\n- offer a comprehensive range of (at least 10) AM support services through an open source- and API-based digital marketplace structured as three Platforms (Technology, Business, and Skills and Education);\n- support and develop ‘best in class’ AM data handling tools and approaches, on an open-source basis.;\n- coordinate the development of synergies with the already existing I4MS framework, Competence Centres, Digital Innovation Hubs and other related research and innovation activities at the European level.\nThrough these activities, the following direct impacts are anticipated:\n- >50 SME/mid-cap application experiments\n- >150 SME/mid-cap business case evaluations and/or Application Experiments\n- >500 people trained through AMable approved courses\n- >2,000 SMEs/mid-caps reached through training, roadshow and exhibition events\n- specific support for EU-13 countries, with >5 centres supported and coached\nCloudification of Production Engineering for Predictive Digital ManufacturingCloudification of Production Engineering for Predictive Digital Manufacturing\nInformation and Communication Technology (ICT) is essential for the digitalization of the manufacturing sector; notwithstanding, less than 25% of the manufacturing companies in Europe profit from ICT-enabled solutions. In order to democratically boost the competitiveness of the European manufacturers (especially Small and Medium-sized Enterprises - SMEs), innovative solutions need to consider technological and commercial scalability from the beginning. From this perspective, the cloudification of services has become the ideal enabler in the manufacturing digitalization. Successful European initiatives such us CloudFlow, cloudSME or Fortissimo have demonstrated the benefits of cloudification for engineering services, by means of combining HPC resources, computational tools, and cloud computing platforms. Manufacturing SMEs are empowered to compute and solve problems that cannot be tackled without cloud and HPC technology, making them more competitive by reducing development times for innovative product with better performance. The results of these initiatives are fostering the engineering and to some extend the prototyping processes within the manufacturing workflow; however, monitoring and optimizing production processes have not yet greatly benefited from an integrated information workflow and simulation loop based on on-line factory data.\nThe core partners of CloudFlow (eu-cloudflow.eu) and cloudSME (cloudsme.eu) are joining forces to leverage factory data with cloud-based engineering tools:\na) paving the way toward manufacturing analytics,\nb) enriching the manufacturing engineering process with on-line data, and\nc) simulating and optimizing the production process with the vision to support it in real-time.\nThe consolidated platform between CloudFlow and cloudSME with extended capabilities to process factory data is going to be accessed through a central interface, enabling the stakeholders to interact, and collaborate.\nACceleraTing PHotonics innovAtion for SME’s: a one STop-shop-incubatorACceleraTing PHotonics innovAtion for SME’s: a one STop-shop-incubator\nACTPHAST 4.0 (ACceleraTing PHotonics innovAtion for SMEs: a one STop-shop-incubator) is a unique photonics innovation incubator for Europe which is perfectly aligned with the needs of SMEs in overcoming the challenges and seizing the opportunities afforded by the new digital revolution of Industry 4.0 in which photonics technologies are a key enabler. ACTPHAST 4.0 will directly support the broader and faster take-up of photonics by a critical mass of SMEs by providing action-oriented solutions on two complementary levels, driven by the business needs of the companies: (i) ready-made access to rapid prototyping services using the top photonics technologies and expert know-how of Europe’s leading photonics competence centers covering the entire integrated supply chain of photonics technology platform capabilities to make deep interventions in the SMEs’ new product development through focused short-duration co-innovation projects; combined with (ii) professional coaching on the technical, business and financial aspects of the innovation process, from concept feasibility through to a mass-manufacturable marketable product. ACTPHAST 4.0 is designed to ensure that all of Europe’s SMEs, in particular first users and early adopters across a wide range of end user industries, have open access to the incubator for timely, efficient and cost-effective photonics innovation support. As a result, ACTPHAST 4.0 expects to boost photonics innovation in Europe at a scale and with a leveraging factor never seen before, delivering a substantial increase in the revenues, venture capital and jobs across all of the supported companies. In addition, through its tight links with the EU pilot lines, as well as its collaboration with smart “first mover” regions across the EU on best practices for co-funding on SME innovation, ACTPHAST 4.0 will act as a game-changer in revitalizing European manufacturing and as one of the vital catalysts to the successful digitization of European industry.\nBeing safe around collaborative and versatile robots in shared spacesBeing safe around collaborative and versatile robots in shared spaces\nIncreasing demand from the growing and aging population can be assuaged by ever closer safe human-robot collaboration (HRI): to improve productivity, reduce health limitations and provide services. HRI and safety are both major topics in the Work Programme. Safety regulations will be a barrier to cobot deployment unless they are easy to access, understand and apply. COVR collates existing safety regulations relating to cobots in e.g. manufacturing and fills in regulatory gaps for newer cobot fields e.g. rehabilitation to present detailed safety assessment instructions to coboteers. Making the safety assessment process clearer allows cobots to be used with more confidence in more situations, increasing the variety of cobots on the market and the variety of services cobots can offer to the general population.\nTRYG provides a one-stop shop which uses a common approach to safety assessment and is valid across all fields and applications. TRYG will provide clear and simple online access to best-practice safety testing protocols via a user-friendly decision tree, guided by questions about the cobot and its intended behaviours. Resulting application-specific testing protocols specify how to assess safety and document compliance with regulations.\nWe support coboteers by providing safety-relevant services based in well-equipped facilities at each partner site. TRYG services cover all stages of cobot development from design through final system sign-off to safety in use and maintenance, provided through consultancy, risk analysis, actual testing, workshops, courses, demonstrations, etc. – all designed to inspire people to increase cobot safety.\nAll TRYG elements will be beta-tested by external cobot developers etc. financed by FSTP. By using project elements “live”, these FSTP beneficiaries not only develop their cobots further towards market, but also contribute their knowledge to the TRYG system and provide valuable feedback to both partners and standards developers.\nConnecting the dots to unleash the innovation potential for digital transformation of the European agri-food sectorConnecting the dots to unleash the innovation potential for digital transformation of the European agri-food sector\nSmartAgriHubs is dedicated to accelerate the digital transformation of the European agri-food sector. It will consolidate, activate and extend the current ecosystem by building a network of Digital Innovation Hubs (DIHs) that will boost the uptake of digital solutions by the farming sector. This will be achieved by integrating technology and business support in a local one-stop-shop approach involving all regions and all relevant players in Europe. The heart of the project is formed by 28 flagship innovation experiments demonstrating digital innovations in agriculture, facilitated by DIHs from 9 Regional Clusters including all European member states. Concurrently, SmartAgriHubs will improve the maturity of innovation services of DIHs so that digital innovations will be replicated across Europe and widely adopted by European farmers. A lean multi-actor approach focusing on user acceptability, stakeholder engagement and sustainable business models will boost technology and market readiness levels and bring user adoption to the next level. This will be enhanced by synergetic effects between SmartAgriHubs and RIS3, since SmartAgriHubs will work in lock step with European regions to maximize the return of European investments, including regional structural funds and private capital. Open Calls with a total budget of ±6 M€ will expand the network and ensure that technological developments and emerging challenges of the agri-food sector are incorporated in the DIH service portfolio. SmartAgriHubs’ inclusive structure and ambitious targets will bring the entire European ecosystem together, connecting the dots to ensure global leadership for Europe in the AgTech market. The consortium, led by Wageningen Research and other partners of previous key projects such as IoF2020, FIWARE, S3P Agri-Food and I4MS, will leverage the existing ecosystem and guarantee a maximum ROI for European taxpayers and a vital agri-food sector producing adequate and safe food for future generations.\nA Pan‐European Network of Robotics DIHs for Agile ProductionA Pan‐European Network of Robotics DIHs for Agile Production\nDIH^2 is a network of 26 DIHs, with a target to reach over 170 DIHs. The sole aim of the network is to spark incremental (cut 50% cost of advance robotics solutions, double the growth of robotics market) and disruptive (maximum productivity & optimum agility) innovations in over 300,000 Manufacturing SMEs and Mid-Caps. It will support SMEs in their Agile Production challenge (50% increase in productivity) and unleash their digitalization potential by enabling robot solutions that are more cost effective at lower lot sizes.\nDIH^2 relies on:\n• A Common Open Platform Reference Architecture for Agile Production (COPRA-AP) -based on Industrial Data Space Reference Architecture Model and FIWARE technologies- to serve the needs of SMEs by means of a continuously growing set of Robotic-based Open Standard Enablers (ROSE-AP).\n• A marketplace as one-stop-shop for SMEs to access essential services for digital transformation including business modelling, technical support, access to skills and finance.\n• 2 competitive Open Calls to launch an ambitious Technology Transfer Program with 260 Agility Audits, 26 cross-border Technology Transfer Experiments and 26 ROSE-AP, leveraging over 26M€ of public & private funding in advance robotics solutions for Agile Production.\n• Members deeply rooted in their regional Smart Specialization Strategy (bringing €5M additional funding on top of EU funds), ensuring ‘working distance’ services for every SME in Europe - whichever the sector, wherever the location, whatever the size.\n• A Corporate Sponsorship Program from equipment and automation suppliers committed with the network to get access to wider market and latest research in robotics.\nDIH^2 will transform this network into a self-sustainable non-profit association with members all over Europe. DIH^2 will demonstrate that public funded research can help SMEs & Mid-Caps achieve digital excellence and global competitiveness through adopting advanced robotics solutions in Agile Production.\nDigital Innovation Hubs in Healthcare RoboticsDigital Innovation Hubs in Healthcare Robotics\nDIH-HERO (Digital Innovation Hubs in Healthcare Robotics) will establish a broad-based pan-European network of Digital Innovation Hubs specialising in Healthcare Robotics. The network will focus on developing services that join business and healthcare stakeholders in developing innovative products and services for the healthcare market. DIH-HERO will develop channels between healthcare and technology providers that reduce barriers to adoption and which develop strong mutual understanding between robotics technology innovators and healthcare professionals. DIH-HERO will operate throughout the healthcare \"pathway\" that connects Prevention, Diagnosis, Treatment and Care as well as covering all aspects of hospital logistics and clinical services. It will also focus on home and care-based robotics addressing healthy aging and elderly care. The DIH-HERO consortium brings together a comprehensive network of partners reaching north, south, east and west across the European regions. The partners bring with them connection to their own regional networks and extensive expertise in healthcare innovation that ranges from surgical intervention to care at home. Each Hub partner delivers both technical and medical expertise to the consortium through their pre-existing operational relationships with hospitals and healthcare facilities. They couple in-built expertise in business development, access to finance and innovation to robotics technology and healthcare expertise in a network of hubs that will connect and stimulate robotics innovation in all aspects of healthcare. DIH-HERO is built on concrete plans to sustain the network beyond the time span of the project and to provide a long term network for innovators in healthcare. The network of Digital Innovation Hubs created and supported by DIH-HERO will ensure that robotics innovation in healthcare is accelerated, that SME can develop global reach and that the advantages of robotics based healthcare can be propagated across Europe.\nNext Europractice eXtended Technologies and Services: “The access point for the future generation of electronic components and systems”Next Europractice eXtended Technologies and Services: “The access point for the future generation of electronic components and systems”\nThe mission statement of NEXTS is to provide the European industry and academia with a platform to develop smart integrated systems, from advanced prototype design to volume production. The latter will be achieved by providing easy and affordable access to a wide range of fabrication technologies and tools complemented with training and support to the customer in all critical steps which are needed. NEXTS will act as a true one-stop shop for technologies enabling fully integrated systems and providing direct routes for industrial up-scaling of those systems and consequently it will sustain and grow jobs in Europe in the areas of design and fabrication of microelectronic component and systems.\nThe partners of the NEXTS proposal have already a vast experience and strong position in providing access to microelectronic technologies. Its predecessor EUROPRACTICE has supported the European academic sector with CAD tools and IC prototyping for over 25 years, and its partners have already supported SMEs with MPW and small volume services for over 15 years. The new consortium has been extended with CMP (Circuits Multi Projects) and TYNDALL who will provide additional access to foundry services and more importantly to system integration capabilities.\nNEXTS will ensure that the European industry grows the captured value from the development, fabrication and deployment of electronic smart systems and remains a global leader. As a value chain aggregator, NEXTS aims to close the gap between the supply- and demand- side for electronic smart systems in virtually all applications domains. Therefore, it provides maximum transformative impact to all sides of the value chain.\nDigital Technologies, Advanced Robotics and increased Cyber-security for Agile Production in Future European Manufacturing EcosystemsDigital Technologies, Advanced Robotics and increased Cyber-security for Agile Production in Future European Manufacturing Ecosystems\nThe main objective of TRINITY is to create a network of multidisciplinary and synergistic local digital innovation hubs (DIHs) composed of research centers, companies, and university groups that cover a wide range of topics that can contribute to agile production: advanced robotics as the driving force and digital tools, data privacy and cyber security technologies to support the introduction of advanced robotic systems in the production processes. The result will be a one-stop shop for methods and tools to achieve highly intelligent, agile and reconfigurable production, which will ensure Europe’s welfare in the future. The network will start its operation by developing demonstrators in the areas of robotics we identified as the most promising to advance agile production, e.g. collaborative robotics including sensory systems to ensure safety, effective user interfaces based on augmented reality and speech, reconfigurable robot workcells and peripheral equipment (fixtures, jigs, grippers, …), programming by demonstration, IoT, secure wireless networks, etc. These demonstrators will serve as reference implementation for two rounds of open calls for application experiments, where companies with agile production needs and sound business plans will be supported by TRINITY DIHs to advance their manufacturing processes. Besides technology-centered services, primarily laboratories with advanced robot technologies and know-how to develop innovative application experiments, TRINITY network of DIHS will also offer training and consulting services, including support for business planning and access to financing. Services of participating DIHs and dissemination of information to wider public will be provided through a digital access point that will be developed in the project. Another important activity of the project will be the preparation of a business plan to sustain the network after the end of the project funding.\nagROBOfood: Business-Oriented Support to the European Robotics and Agri-food Sector, towards a network of Digital Innovation Hubs in RoboticsagROBOfood: Business-Oriented Support to the European Robotics and Agri-food Sector, towards a network of Digital Innovation Hubs in Robotics\nagROBOfood is dedicated to accelerate the digital transformation of the European agri-food sector through the adoption of robotic technologies. It will consolidate, extend and strengthen the current ecosystem by establishing a sustainable network of DIHs. This will boost the uptake of robotic solutions by the agri-food sector: a huge challenge requiring an inclusive approach involving all relevant European players. The agROBOfood consortium has 39 partners, led by Wageningen University & Research and other core partners of previous key projects such as IoF2020, ROBOTT-NET, PicknPack and I4MS, to leverage the ecosystem that was established in those projects. The heart of the project is formed by Innovation Experiments (IEs), organized and monitored by the DIHs. In each of the 7 Regional Clusters, an initial IE will demonstrate the robotics innovations in agri-food in a manner that ensures replicability across Europe, wide adoption and sustainability of the DIHs network. agROBOfood will work in lockstep with the European robotics community, ensuring synergetic effects with initiatives such as EU-Robotics. This will maximize the return of European, including private capital, investments in the digital transformation of agri-food. A key instrument to achieve this objective is the Industrial Advisory Board. They will provide strategic guidance and also define priorities for the selection of solutions to be funded. Open Calls of 8MEUR will attract additional Innovation Experiments (12) and Industrial Challenges (8). These will expand the network and ensure that vast technological developments and emerging challenges of the agri-food sector are incorporated in the service portfolio of DIHs. Through its inclusive structure and ambitious targets, agROBOfood aims to bring the entire European ecosystem together; connecting the dots in a way that ensures effective adoption of robotics technologies in the European agri-food sector.\nSUSTAINABLE ECOSYSTEM FOR THE ADOPTION, RAMP-UP AND TRANSFER OF EMERGING ELECTRONICS SOLUTIONSSUSTAINABLE ECOSYSTEM FOR THE ADOPTION, RAMP-UP AND TRANSFER OF EMERGING ELECTRONICS SOLUTIONS\nDespite significant recent progress made by the EU industry, the level of digitalisation of industry remains uneven, depending on the sector, country and company size. Facing at the same time a scattered landscape of Research, Industry and Institutional stakeholders, the efficient adoption and transformation of enabling technologies into business visions & concrete market cases remain limited. This slow diffusion of digital technologies poses a risk to the EU’s ability to compete in the global economy. This is particularly true for Organic Large Area Electronics (OLAE) enabling technologies whose industry made significant progress recently and has established itself as a competitive growth industry. Despite proving that more and more products have matured onto the global market, the actual diffusion and efficient adoption of OLAE technologies remain limited. Underlying reasons and key challenges are identified (cost, processes, encapsulation, scalability, yield, standards & regulations), for which major breakthroughs are needed on use, production and cost rather than on basic technology, which reflects the growing market orientation of OLAE. To address both market & technology specific challenges, SmartEEs2 will be key role to link technology promises with real use/business cases. These cases will be implemented through a unique digitalisation experience providing experimentation, testing or support to manufacturing. SmartEEs2 will capitalize upon SmartEEs’ strong technological OLAE platform and focuss on the uptake of Flexible & Wearable Electronics enabling use cases, where OLAE can valorize its uniqueness (flexibility, conformability) and its promises for solutions in the fast growing business of wearables and Internet of Everything. SmartEEs2 will orchestrate a pan-EU collaboration network of Regional DIHs promoting the best quality level of digitalisation experience, hence boosting the efficiency and effectiveness of the overall OLAE European inDIH on Area3", "label": "Yes"}
{"text": "Using different routing rules you can set up the translation of transactions on the accounts to the payments of the \"Accounting\" module. The rules are set up on the \"Routing\" tab:\nThe upper part of the window contains the following buttons:\n•New rule — start creating a new routing rule.\n•Detach — delete all the payments and orders created in the \"Accounting\" module by the transactions according to the routing rules. As soon as it is pressed all the transactions will become unrecognized.\n•Apply — start the processing of transactions (without checking for the new ones) according to the routing rules.\nAll the created rules are displayed as a table where the name, payer, beneficiary and currency are specified.\nThe rules are applied from top downward. If a transaction is processed according to one of the rules then its further processing will be stopped. In this connection, one should carefully order the rules in the list for the correct routing.\nThe following buttons appear if you put the mouse cursor over the rule:\n• — move the selected rule up relatively to the others.\n• — move the selected rule down relatively to the others.\n• — create a copy of the selected rule.\n• — delete the selected rule.\nIn order to modify a rule, double-click on it in the list.\nIn order to create a new rule, press the corresponding button located in the upper part of the tab. The windows of creating and adding a rule are similar:\nThe window of editing is divided into three boxes.\nMain parameters of the rule are specified in the first one:\n•Name — name of the rule.\n•Beneficiary — selection of the beneficiary organization. The list of organization added to the corresponding module will also be opened as soon as you press on this field.\nThe selection of organizations in those fields is a declaratory one. It they are specified then the conditions of the rule must explicitly determine them in the transaction. In other words, the checking by the \"Payer\" and \"Beneficiary\" fields must be among the rules that are specified below.\nIn the second box it is necessary to specify the conditions for recognizing the transaction and the binding of it to the payer and beneficiary specified above. To add a condition you should press the \"Add condition\" button. A new line appears in the table, as soon as you do it. To edit a field in the line you should double-click on it.\n•Field — one of the fields of the transaction that will be analyzed.\n•Condition — condition the analysis of the field will be performed by (for example, \"Empty\", \"Filled\", \"Equal to\", etc.).\n•Value — value the field specified above will be compared with. If the \"Empty\" or \"Filled\" conditions are chosen then the value shouldn't be specified. You can also use macros #CID#, #AUTOLINK# and #COMPANY# as the values. They can be used for determining the \"Payer\" and \"Beneficiary\" fields. If they are specified, the searching for the \"CID\", \"Autolink\" values or an exact match of company name (#COMPANY#) is performed through the whole database of organization. If one is found, the conditions is considered to be fulfilled.\nThe third box is intended for choosing the actions that will be performed if a transaction complies with the specified rules:\n•Action — selection of the action:\n•Send an e-mail to the company accountants — send a notification message to the mailbox specified in the \"Value field\".\n•Change the payment sign — change the sign of the transaction amount before processing it (for example, adding it as a payment to the specified book). At that the transaction itself is not changed.\n•Withdraw the commission % — charge the commission of the specified size (in percents) from the transaction before processing it. At that the transaction itself is not changed.\n•Add into book — add the transaction as a payment to the book that is specified in the \"Value\" field.\n•Distribute commission among agents — distribute the commission fee from the transaction amount among the agents that are specified as the commission agents for the payer company of the given transaction. For the distribution of commission an order is automatically generated in the \"Accounting\" module. The payer of this order will be the company that received the transaction and the beneficiary will be the agent.\nAs soon as the orders are created by a certain product, it should be specified in the \"Value\" field as an additional condition. An individual product for working with commissions should be preliminary created in the \"Products\" module. For example, one can create the \"Commission\" product.\n•Value — name of the book the payment will be be copied to, name of the mailbox the notification will be sent to, or the product name for charging commissions.\nIn order to save the changes press the \"Update\" button.\nThe main requirement for a rule to trigger is the explicit determination of the payer and beneficiary, and also the fulfillment of all conditions specified in the rule of routing.\nThere are two ways of determination of the payer and beneficiary:\n•The payer and the beneficiary are specified in the main parameters of the rule\nIn this case the specified beneficiary and payer must be confirmed by the conditions of the rule. In other words, the beneficiary and the payer are known beforehand in this kind of rules, and the transaction must contain the parameters that correspond to them.\n•The payer and the beneficiary are not specified in the main parameters of the rule\nIn this case the payer and the beneficiary must be determined in the transaction itself. To do that you must perform their searching in the rule conditions via the #CID#, #AUTOLINK# or #COMPANY# macros. In this case, the determination by other parameters is impossible.", "label": "Yes"}
{"text": "Research and Innovation\nBoise State is a leader in research, innovation, athletics, and caring for our community. We foster an environment where research and creative activities thrive. The Division of Research and Economic Development leads this effort by:\n- Supporting students, faculty, and staff during all phases of research;\n- Managing the university’s intellectual property portfolio;\n- Facilitating relationships with industry for research and commercial collaboration; and\n- Fostering economic development in Boise and the region. Research enhances education, grows the university’s reputation and fuels economic growth.\nFor more information, contact the Division today at firstname.lastname@example.org or by phone at (208) 426-5732.\nExplore, the research magazine of Boise State University, is published by the Division of Research and Economic Development with support from the Office of Communications and Marketing. Learn more about the university’s research, creative activities and scholarly endeavors and stories here.", "label": "Yes"}
{"text": "North Korea has encouraged citizens to use their own feces to make manure, as the agricultural sector grapples with a shortage of fertilizer for crops, according to media reports.\nAccording to a Daily NK report, “the whole country is mobilized for the production of manure.“The report, citing a source in North Hamgyong Province, claimed that residents had started.”produce fertilizers from human wasteTo meet manure production quotas, introduced by Pyongyang last week.\nQuotas range from 150 kilograms of manure for a household to 500 kilograms for a worker in a state plant. The authorities even reduced the opening hours of the food market in January, which now operates from 3 to 5 in the afternoon instead of from 2 to 5, so people have “an extra hour to produce manure.“\nNorth Korea suffers from a shortage of agricultural manure used as a fertilizer substitute for crops. The country was buying manure from China and South Korea, but Chinese imports were blocked after North Korea closed its borders due to the Covid-19 pandemic in January 2020. In March 2021, Pyongyang has also refused manure deliveries from South Korea to underscore its demand for an end to US and UN sanctions. Now getting enough manure is considered number one in the country ”struggleFor 2022, the reports say.\nFertilizer made from human faeces is not entirely unusual for North Korea. Radio Free Asia reported earlier this year that farmers were asked to contribute two liters of their urine each day to help produce compost.\nStill, it can be hard to over-rely on ‘homemade’ manure – the country is sorely lacking in food amid typhoons and pandemic-induced border closures. Poor harvests combined with almost no outside deliveries led the country’s leader, Kim Jong-un, to admit last summer that the food situation in North Korea was “”tense. “In October, a Reuters report citing analysts and a United Nations expert asserted that the food crisis remained severe after poor harvests, and there were also reports of increased humanitarian aid shipments from China. .\nFor more articles on economics and finance, visit the business section of RT\nYou can share this story on social media:", "label": "Yes"}
{"text": "You simply cannot have missed it. Germany has become the place to be for low-cost carriers: Ryanair flying to Cologne, easyJet sitting tight in Berlin and Hamburg, Vueling massively developing in Germany in general…\nMedia has tried to link this newfound interest to Germany’s status of growth engine of Europe. While certainly true, this explanation still misses the point. The reason why all the transporters choose Germany lie in two words: business travel.\nHow does the German front look like?\nBefore going deep into strategic considerations, let’s take a look at German aviation market. Repeatedly pictured as “dynamic” before 2010, it suffered however a relatively weak low-cost penetration (32%) compared to countries such as Spain, the UK or France. According to the data found in the 2013 “Low Cost Monitor report” published by German aerospace center (Deutsches Zntrum für Luft – und Raumfahrt), the market share of the low-cost segment has been plateauing for some years.\nThis might be subject to change with the latest demise of Air Berlin, which has been struggling for cash and which may end up taking strategic decision… that is to say slashing into the less profitable routes. One has to consider that 96% of the German low-cost market is divided between Air Berlin, Germanwings, Ryanair, easyJet, Intersky and Flybe (in order of importance). Air Berlin had by far the most important low cost offer in Germany, that is to say 746 flights a week.\nLong accustomed to a static low-cost market, a reduction of routes for Air Berlin represent fresh air for the rivals and a potential goldmine. Without a doubt, they shan’t wait to feast on the remnants of Air Berlin’s old empire.\nThe reason why Germany could prove to be a reasonable investment though is its status of “growth engine” in Europe. I suspect carriers to attempt reaching to business travelers who commute between German cities and other countries. It was already the reason why easyJet chose Hamburg (2nd largest city, biggest port in Germany), a destination set to explode in the coming years, and which is a key place to do business according to Business Travel. And make no mistakes: all the lights are green for business travel to explode in Germany, as this graphic made by IATA and other professionals show.\nOf course, this does not mean that tourists will be left behind, although they are less valuable than what they are today. However the relative weakness of Germanwings and the change of strategy of Ryanair to business travel are, according to me, sound evidence that the battle for Germany will be about business travel.\nThe war promises to be bloody: in response to Ryanair’s surprise opening in Cologne, Germanwings decided to take on the Irish company on a Dublin-to-Cologne route. On the other hand, ailing Flybe chose to close its routes. A fair choice considering its bad financial health.", "label": "Yes"}
{"text": "Company Information – We’ve been in the flags wholesale market for over 36 years. This time was quite enough to learn the market itself and the needs of our customers in detail. Today each item of our flags wholesale stands apart from the competition due to its vivid, lasting colors, maximum durability, and the lowest possible price. Moreover, we guarantee you fast shipping and the highest level of customer satisfaction. Product ships directly from our US warehouse.\nQualityflagswholesale.com is a trusted company in the industry of distribution and wholesale for more than 39 years. Located in California, USA. With a 30,000 square foot warehouse in the city of Los Angeles. Our company has started selling general products since 1984. Since then, we have placed our focus on our Flag products. We offer a wide selection of any Flag products with always in stock at discounted prices. It is our commitment to provide you with the best value, at the best price. We value your business and strive to keep our prices low, and SAVE you money!\nWe sell quality designer Flags to what you see being sold in the US Flags market. The big difference is a 3x5ft Flag they sell for $14.99. We even offer volume sales for the wholesale price at $3. Today “Flags” is one of the fastest-growing industries in the US. We also value your online safety and offer a safe and secure online shopping environment. All data gets encrypted which actually makes it safer shopping here online than shopping at your local mall. No Joke!", "label": "Yes"}
{"text": "Establish organic and fair trade added value production chains locally that are ecologically, socially and economically sound, and to make it attractive to all parties in the chain.\nTo constantly challenge or stress our environment and its inhabitants is an environmental time bomb. It will cost us highly if we do not take action to sustain and replenish natural resources. If we accept the relationship between our activities and their consequences on the environment, then we must be willing to incorporate the true costs of producing our food and fiber into the marketplace. Organic and fair trade products are not expensive therefore, the other products are simply too cheap.", "label": "Yes"}
{"text": "Looking to capitalize, err, emulate, the success of Apple’s retail stores, Microsoft up and decided to create its own retail stores and place them in high-traffic mall areas, sometimes right across the way from an Apple store. Microsoft’s retail initiative borrows heavily from Apple, from the architectural design to the employees wearing brightly colored shirts, and all the way down to a Guru Bar (read: Genius Bar).\nBut Microsoft’s retail initiative hasn’t exactly been blowing anything out of the water. Lackluster foot traffic compounded by uninspiring products that one can find at an assortment of electronics shops effectually diminishes any sort of buzz these stores might otherwise have.\nWriting for the LA Times, Nathan Olivarez-Giles recently visited a Microsoft retail store in Mission Viejo to gauge how well Microsoft’s retail efforts were going. And with the holiday shopping season in full swing, what better time to stop on by than on black friday.\nOver a half-hour period, 19 people walked out of the mall’s Apple Store carrying purchases in one of the company’s signature white bags. By comparison, just three walked out of the nearby Microsoft Store with merchandise.\nThe survey may not have been scientific, but it reflects what analysts say is the challenge Microsoft Corp. faces in taking on Apple Inc. in America’s shopping centers.\nOne shopper Olivarez spoke to explained that Microsoft stores lack the exclusivity inherent in Apple stores. “Everything sold here can be bought somewhere else, likely for a lower price,” the gentleman explained. “There is no exclusive product here to pull me in. But at the Apple Store, there’s all kinds of stuff I can’t get anywhere else.”\nMore problematic, though, is that the Microsoft Store, even with all of its computing options, still lacks the variety users can find at stores like Best Buy and Target. If you can waltz into a Best Buy and play with 40 different computers and get all sorts of configurations, a relatively limited selection of PCs at a Microsoft store makes for an extremely uncompelling shopping experience.\nApple’s line of retail stores were borne out of necessity. Most stores didn’t carry Apple products, and those that did often showcased them in neglected and infrequently foot trafficked areas. Apple Stores finally gave Apple’s lineup of products to shine. Microsoft’s retail initiative, on the other hand, seems to be remedying a problem that doesn’t exist. Why, exactly, does Microsoft need retail stores?\nThe root of the problem may very well be that Microsoft simply lacks sexy products with which to lure in customers. Sure, it has the Xbox, but aside from that, who’s getting all excited for Windows 7? Where’s the awe-inspiring industrial design to catch the attention of passerbys? Apple has the iPhone, the iPad, the iMac, the MacBook Air – these are products that people actually get excited about and look forward to purchasing.\nIn the end, the biggest problem with Microsoft’s retail stores may very well be Microsoft.", "label": "Yes"}
{"text": "China's National Bureau of Statistics has announced that the country's economic output rose by over 10 percent in each of the past two quarters even as much of the world economy remains mired in slow growth. Another indicator of China's rapid rebound from the global economic crisis is the sale of luxury goods, with the total amount rising to $9.4 billion by the end of last year.\nChina now accounts for more than a quarter of the world's purchases of luxury goods. At this pace, it will soon bypass the US to become the top market for such products after Japan, even though its per capita income is still much lower than in America. Indeed, according to Du Junfei, a professor of Nanjing University, while purchases of luxury goods amount to 4 percent of consumer's assets worldwide, the figure in China is as much as 40 percent or higher.\nThis Chinese peculiarity reflects the distinctive makeup of the country's luxury goods market. Radha Chadha, a board member of a leading Shanghai-based consulting firm, says luxury goods buyers fall into three categories. One group is the really rich, another includes so-called \"cool\" youngsters, and the third consists of white-collar workers, especially managers.\nOf course, the first two groups are big buyers of luxury products in the West. Haughty, affluent youngsters flood high-end malls in the US and Europe just as they do here - I see lots of these kids while taking strolls in my Sanlitun neighborhood.\nRich people in and outside China buy luxury products to show off their wealth and status. What sets China apart from Western countries and, by extension, accounts for the unusually high purchase of luxury goods in relation to consumer assets here, is the third major segment of the high-end product market: white-collar workers. While white-collar workers in the West, especially America, are big consumers, they typically hunt for bargains. This behavior is reflected in the success of retailers like Wal-Mart and Costco.\nIn contrast, white-collar workers in China often equate expensive luxury brands with high quality. As one white-collar worker quoted in a Xinhua China.org report put it: \"I think a bag priced at 10,000 yuan is more suitable for me. It is better than 100 bags priced at 100 yuan each.\"\nAccording to a recent survey of netizens in Jiangsu and Zhejiang provinces, 56.7 percent of the respondents said they saved money to buy luxury goods. One extreme example cited in the China.org report is the case of Tony Wang, a senior executive in an advertising company. Even though Wang makes 20,000 yuan a month, he limits himself to fruits and a cup of coffee for lunch in order to add to his piggy bank for luxury purchases.\nWhile Chinese consumers at least haven't over-leveraged themselves to buy luxury goods, their obsession with high-end brand products strikes this particular laowai (expatriate) as being quite irrational. The money saved to make such purchases could surely be better spent on other things, including continuing education to upgrade skills or travel to unique destinations to broaden one's horizons.\nMoreover, this white-collar behavior certainly smacks of keeping up with joneses. The desire to show off one's taste for elegance locks middle-class Chinese into a competitive struggle to sport the latest and best Italian clothes, designer handbags, and the like. And when it comes to function, most of the time one can get by just well with good generic brands versus expensive luxury goods.\nFinally and most importantly, the scramble for luxury products doesn't seem to have made Chinese any happier. Indeed, in the most recent University of Michigan World Values Survey, China ranked 46th in the world with respect to the happiness of its citizens.\nIn my personal observation, the happiest people in Beijing are the laobaixing, or ordinary residents, I see in parks and other public spaces indulging in simple pleasures like singing and dancing together. I seriously doubt that few, if any, of these folks care much about owning lots of luxury brand products.\nIt is often said that money can't buy happiness; the same goes for owning a very expensive Luis Vuitton handbag.\nThe author is an American corporate trainer in China.", "label": "Yes"}
{"text": "Shimano’s mission statement is founded on the belief that “we are happier and healthier when we are outdoors enjoying the activities we love.”\nShimano Iron Works was founded in Japan in 1921 with a single lathe and a dream. Their quest for perfection and innovation has never wavered. Shimano has always strived to understand global trends and individual customer needs as they explore new markets and this was the pivotal idea that first drew Mr. Yoshizo Shimano to the U.S.\nA New Market\nIn the early 1960’s more than six million bicycles were sold annually in the U.S., with most production done domestically. The dominant U.S. bicycling companies were Schwinn, Murray Ohio and Muffman.\nIn the spring of 1965, Yoshi landed in the U.S. to set up a sales office that would later become Shimano American Corporation, their first operational headquarters outside of Japan. Yoshi wanted to be close to the influential and fast-growing U.S. market to observe consumer trends and be in touch with manufacturers. The initial office was in New York City with Yoshi and two associates.\nThe first order of business was to hang a sign that stated the objective of the new organization. The plaque simply read, “We are here …read more\nVia:: Team Novo Nordisk", "label": "Yes"}
{"text": "This webinar is designed with actionable change in mind and provides you with a framework to start your sustainability journey.\nThis session will be delivered by Helen Taylor, Director, Hosta Consulting, an entrepreneur and experienced small business owner who started her business with a strong environmental ethos which helped the business grow and successfully tender for public sector contracts. Helen has further developed her expertise in business and sustainability since completing her MBA and sees an opportunity for small businesses to start and grow in an environmentally responsible way with a low carbon strategy and that embraces environmental sustainability.\nThese sessions will help you understand the environmental issues we currently face both as individuals and business, how as business owners we can realistically respond to start and grow environmentally responsible businesses that embrace sustainability, increases customer value, creates competitive advantage and improves financial performance.\n- Introduction to sustainability\n- Purpose in business and how to develop a culture of sustainability\n- Climate and sustainability policy\n- ‘Greenwashing’ and how to avoid it\n- Barriers to sustainability in business and how to overcome them\n- A framework to help start your sustainability journey\n- Sustainability in your supply chain\n- How to communicate your sustainable strategy to customers", "label": "Yes"}
{"text": "Numerous easy, ready-to-use automatic cryptocurrency trading bots are available for purchase, subscription, or free download.\nIdentifying which cryptocurrency trading bots are likely to perform as planned, which are profitable, and which are unsuccessful experiments or, worse, are designed to steal the user's money is a difficult undertaking.\nWhile a free crypto trading bot may appear to be a good deal, free does not always equate to quality, and the best crypto bot will differ depending to the demands and experience of each user.\nSeveral advantages of utilizing a crypto trading bot platform include the following: Time is money. This is the primary benefit that automated trading and cryptocurrency bots provide: Trading that is efficient and rules-based without the need to monitor the markets.\nWhen combined with a backtested, algorithmic trading strategy (a crypto trading bot), traders maximize their chances of success.\nStrategies for cryptocurrency trading bots Automated trading bots are intended to be highly flexible in order to accommodate a broad range of trading methods.\nExchanges Accepted Binance.com, Kraken.com, Livecoin.net, Poloniex.com, Exmo.com, Yobit.net, The rocktrading.com, Wex.mz, Bitfinex.com, Bitstamp.com, Bittrex.com, OKEX, Huobi, HitBTC, Kucoin, CEX.10, Poloniex, Coinbene, ZB.com, CoinEx, Gemini, Gate.10, Liquid\nWhat are the dangers associated with Crypto Trading Bot Platforms?\nCertain cryptocurrency trading bots are designed to take advantage of inexperienced traders by stealing their personal information and funds.\n\" If this surpassed my expectations of Dogecoin, and I only struck it in two months, think of where it'll be in a year.\" Of course, as with any unpredictable investment, there is a genuine chance that Mr. Contessoto's Dogecoin holdings might lose most or all of their value, which his imagine homeownership could again be out of reach.\n5 million, roughly half what it was at the peak, he published another screenshot of his account on Reddit.\" If I can hodl, you can HODL!\" the caption read.\nThe hell year that is 2020 has actually wreaked havoc on life as we understand it. Bitcoin. There is now more than $350 billion worth of Bitcoin in the world, an incredible appreciation for a virtual cash that was worth basically absolutely nothing a decade earlier.\nI purchased a bunch of Bitcoin for $136 dollars each on a website called Coinbase and searched for methods to invest them. There weren't numerous places that understood what Bitcoin was, much less accepted it for purchases, however due to the fact that I resided in the tech capital of San Francisco at the time, I did have a couple alternatives, consisting of a cupcake store and a sushi restaurant called Sake Zone.\nI lost five pounds, both since of the minimal food options and because my only transport alternatives were strolling or riding a bike that a buddy rented to me for half a Bitcoin. And I was continuously caffeine denied since I could not discover anywhere selling coffee for cryptocurrency. On the last night of my experiment, a Monday, I chose to commemorate the week's end by throwing a dinner at Sake Zone with my staying crypto-stash.\nI had actually called the dining establishment's owner, Yung Chen, in advance to ensure it would be OKAY to do a group dinner and pay for it in Bitcoin. I had actually told him it would likely be 15 people or two. When I got to the tiny dining establishment on Clement Street in the Richmond District, there were currently 2 dozen individuals outside.\nBitcoin as a shop of worth? I didn't buy the arguments that Bitcoin was like gold. This month, with Bitcoin rising, I called Yung Chen to inspect in.\nIn 2017, after they shut down Sake Zone and when Bitcoin was worth a couple of thousand dollars, Mr. Chen sold about a quarter of his Bitcoin. He now is sorry for that choice offered just how much the digital cash has valued.\" I offered some. I feel so bad,\" he said. \"Now, I simply keep it.\n\" It's a lot. It's close to like a half-million dollars in my account.\" Mr. Chen's other half, 54, is completely retired, however Mr. Chen, 63, is still working, for the city of Oakland as a walkway inspector, a task he has actually had for almost twenty years. When I asked him why he had actually been an early believer in Bitcoin, he explained that he had experience in the tech sector.\nIn 2015, he made it through the betrayal of partners who had successfully bankrupted his business. Big debts and the need to pay expenses ended up being a call to action, so by utilizing all his experience and innate talent as a salesperson, along with his brilliant experience in crypto trading, Alex introduced his most effective task to date, PLATINCOIN.\nThe audience of the company's item audience is more than 500,000 people around the world, and every day there are a growing number of users. The primary objective of all PLATINCOIN products is to make cryptocurrencies available to every user on the planet and provide people an easy tool to go into the financial market, which today is more than 2 billion people are denied of.\nCalibra or Libra is a new cryptocurrency developed by Facebook and other business. Libra is perhaps one of the most questionable blockchain tasks, and viewpoints are divided about it. On the one hand, some sees the Facebook effort as a threat to the anonymity and decentralisation of the blockchain, whilst, on the other hand, others see it as the long-awaited advancement for the innovation. design a website with google.\nWhen Roger Ver found out about Bitcoin in 2011, he began investing greatly in technology and also began conducting educational activities. He posted ads on roadside signboards and posted them on the Internet, he lectured to schoolchildren and distributed free tokens. It was then that he earned the title of the 'Bitcoin Jesus'.\nIn the crypto neighborhood, Roger Ver is referred to as an ardent fan of Bitcoin Cash: among the famous forks of Bitcoin. After the spinoff, Roger announced that this digital asset was developing precisely along the course that was initially planned for Bitcoin - design a website using bootstrap. His main bugbear with Bitcoin is what he claims is its too little block size and his gripe with the low deal speed.\nCryptocurrency has actually received an increase from numerous high-profile backers. As of this writing, one Bitcoin is worth about $63,485.\nIf you desire to get into crypto's next huge thing before it really goes mainstream, I would suggest something that has not made a great deal of sound in the public however is thought about by lots of in the cryptosphere as the biggest thing since Bitcoin itself: Decentralized Finance (De, Fi).\nThese business will hold the secrets to their customers Bitcoins for them. There is a really popular saying in the cryptosphere: \"Not your secrets, not your Bitcoins\". This is cautionary recommendations from a market which has actually been burned lots of times. If there is one thing that dissuaded financiers from this property class, it is definitely the danger of fraud.\nDecentralized finance is the next sensible step in this experience. It intends to build monetary instruments based on wise agreements which automate deals without any interference from main authorities. These smart agreements can be both basic and complex.\nPicture buying a house using a smart contract which states that if you send out a particular amount of money monthly, and after a certain amount of time, the title of your home becomes yours. No need to borrow from the bank, no requirement for notaries or lawyers, and if you default on your payments? The title returns to the seller.\nAside from overt cases of scams or insider trading, the decentralized nature of coin exchanges results in a hands-off experience where the platform can effectively regulate itself. The most crucial difference to make between ICOs and IPOs is that the tokens offered are an extension of the company's product or service; in reality, it may even be the product or service itself. In this context, you can even think of an ICO as a software launch which leads into the next topic. Remarkably enough, the most significant\nobstacle to this technology's disruptive capacity is the revolutionary tech on which it's based - design a website blog. Blockchains are extremely beneficial in theory, but there's still a remarkable quantity of data in lots of longstanding markets that are essentially unattainable. (There are also major issues with scalability more.\non that later.) If you're well-informed in computer technology and mathematics, you can absolutely gain from discovering more about the different jobs presently underway to deal with these issues. A drastic simplification would be that they're a cross between collectible coins and trading cards. The term non-fungible methods that these tokens aren't interchangeable with routine currency; they're thought about unique and have no set price. Naturally, this has led to a huge speculative bubble sustained by stars where a video clip or social media post can cost over 6 figures.\nThere's also a significant problem with scalability when it comes to any Ethereum-based job (which is basically all De, Fi projects), so a disproportionate quantity of money will be invested on gas charges. Having to invest more cash than you make on transaction charges isn't viable for many usages and is in fact counter-intuitive to one of the significant selling points of De , Fi making finance more available and able to accommodate smaller transactions. Might 8, 2021 6 minutes read This story initially appeared on Stock, Market 4 Leading Cryptocurrencies To Think About Buying Other Than Bitcoin has been the talk of the marketplace over the last few years. It has actually ended up being the de facto requirement for cryptocurrencies. With the recent surge in cryptocurrencies, it sure does bring in a great deal of retail financiers' attention away from the traditional area. Cryptocurrencies are usually developed to be devoid of government intervention and control. And it is this fundamental aspect that made this property class grow in popularity. More Institutional Financiers Jumping On The Cryptocurrencies Bandwagon Cryptocurrency has been one of the greatest monetary stories of the year up until now. Costs seem to be soaring to expensive levels amidst strong institutional approval. Another catalyst behind the current rise is the growing usage of this altcoin's platform in decentralized financing (De, Fi) applications. Source: Coin, Market, Cap Right now, although there are some competing blockchains declaring that they can process deals faster and at lower charges, Ethereum is still the biggest and go-to blockchain for De, Fi.\nUnlike business cryptocurrencies, which are decentralised and regulation-free, it is issued and controlled by the nation's main bank (design a website report). That suggests, with the state guaranteeing the value of the cash, it uses both the financial stability of physical money and the benefit and security of crypto. Or, in other words, it is a digital variation of the bank's coins and notes.\nIn Europe, efforts are less innovative. The European Central Bank last year released what it called a \"thorough report\" into the potential for a digital euro, however its President Christine Lagarde said last month it would take a minimum of another four years to reach fulfillment, if it ever introduces at all.\n\" I like the Bahamas' digital currency since they began with the position of 'we have a problem, how do we fix it',\" he states (design a website blog). \"Their issue was that the external islands didn't have great banking gain access to so the main bank actioned in. It's supplying a form of cash that can be used in those islands and can be used offline.\nTargeting cookies are used to make marketing messages more appropriate to you and your interests. They carry out functions like avoiding the very same content from coming back, guaranteeing advertisements are shown and, sometimes, selecting content based upon your interests. See More.\nThe past decade has actually seen the unrelenting rise of cryptocurrency as an alternative form of digital currency. However what precisely is it and what capacity does it have to change the world of money? In this remarkably clear, one-stop guide WIRED Senior Editor Gian Vopicelli describes everything you require to understand about cryptocurrency.\nNo one can invest their coins twice, since when a deal is taped in the journal, every node in the network will know about it. Who paved the way for blockchains?\nBlockchains likewise have potential applications in the relatively dull world of corporate compliance. After all, storing records in an immutable journal is a pretty excellent way to ensure auditors that those records have not been tampered with. This may be excellent for more than just catching embezzlers or tax cheats. Walmart, for example, is using an IBM-developed blockchain to track its supply chain, which might help it trace the source of food pollutants.\nLand records. Used cars. Real estate. Streaming content. For this reason the expression \"xxx on the blockchain\" as a catch-all for the enduring hype cycle. The concern is, if one company (say, Walmart) has control of the information, did it actually need blockchain at all? It's too early to say which experiments will stick.\nThe First Blockchain, The original bitcoin software was launched to the public in January 2009. It was open source software, meaning anybody might examine the code and recycle it. And many have. Initially, blockchain lovers looked for to merely improve on bitcoin. Litecoin, another virtual currency based on the bitcoin software, seeks to use faster transactions.\nDISCOVER MOREThe companies indicate the current rise in bitcoin's rate as a sign that investors are warming up to crypto. Fundamentally, absolutely nothing has actually altered given that late 2017, when the cost of bitcoin increased to almost $20,000, driven mainly by hysteria. It's still backed by absolutely nothing and managed by no federal government; it's still dominated by a choose set of mining pools, based generally in China.\nIf there is inadequate balance readily available, traders can visit their exchange account to top up. Bitsgap does not straight hold any client funds, for that reason withdrawals are completed on the connected exchange. Leverage Review Given that Bitsgap enables traders to perform orders on numerous exchanges, a large selection of take advantage of and margin alternatives is also available.\nFor those who plan to begin smaller, the expense is greater vs rivals, such as Pionex. For example, on the Standard subscription, if you trade with the optimum $25,000 monthly you 'd be paying around 0. 08% in costs. Pionex offers its robot service for totally free and takes a transaction fee of 0.\nWith any trading bot, the quality of the service is constantly more essential than the cost, so it could be worth the additional financial investment in this circumstances. Offers & Advertising The Bitsgap recommendation program provides an interesting opportunity to make additional cash. Any traders with an active paid account can refer a buddy who'll get 10 USDT in trading credit to their account.\nBitsgap does not provide a mobile app. As an aggregator, Bitsgap relies on the API connection in between themselves and the exchange to place orders.\nThe automated trading robotic and arbitrage performance are ideal for beginners seeking to go into the crypto market without extensive analysis. Nevertheless, the dependence on the API connection can trigger concerns with postponed order executions. We want to see more derivative exchanges on the list of connected brokers in the future.\nTraders can evaluate the profitability of an EA prior to they invest. Plus, Bitsgap provides a demo account to try it out on your own before trading genuine cash. Is Bitsgap Worth It? Those questioning whether Bitsgap deserves the financial investment ought to try the 14-day complimentary Pro account. The trial allows traders to test the full variety of functionality prior to handing over.\nBitsgap has 12 complete stack developers and every team member has its own job. The customer support team is gradually being included when needed and they will expand it as soon as needed. Here is more info about the board members: Variety of Cryptos and Market Cap Overview, It's going without saying that Bitsgap provides access to Bitcoin and the significant altcoins, which is the most crucial for the majority of crypto traders.\nMarket information is also presented on the website, which can be discovered when clicking the tab \"market cap\". A list of cryptocurrency pairs is noted from greatest market cap to most affordable. There are also other information points such as the closed price on which exchange, modification in the last 24 hr, and access to the rate graph.\nWhen you click a cryptocurrency in the menu, a list of exchange choices will then expand, and you exist with a comparison of the rates at different exchanges. There is also the possibility to look for any cryptocurrency in the search field. Click the magnifying glass and enter a crypto name of your choice, and you will see the outcomes appear like in the image listed below.", "label": "Yes"}
{"text": "Save the date for our June Chamber Lunch\nJoin the delegates of the East King Chambers Coalition, your fellow local business leaders and our Eastside legislators in a robust discussion about this year’s historic legislative session.\nOur moderator, Kirkland Mayor Penny Sweet, will facilitate panel discussions with the legislators that focus on four broad policy topics: transportation, budget and taxes, housing and human services and economic recovery and will take questions from the audience.\nKing County has several priorities that are in full focus as vaccines continue to rollout and businesses and residents prepare for a “new normal”. While Covid is at the forefront of everyone’s minds, the battle of homelessness, affordable housing, and transportation continue to be concerns. Join Executive Dow Constantine as he looks at vaccine rollouts and other King County priorities.\nPlease join Attain Housing for an entire month of cycling challenges, weekly mileage & climbing contests, and raising critical funds for Eastside King County families facing homelessness!\nJoin us for a premier online event to celebrate the power and generosity of our community amidst a year of unexpected challenges. This event will feature corporate sponsorships, peer-to-peer fundraising, and an online auction to raise funds to end #diaperneed as thousands of Washington families face the potential of long-term impacts by COVID.\nThis year, we celebrate the 20th anniversary Evergreen Gala as an inclusive, virtual experience presented by Denali Advanced Integration. The Evergreen Gala will be both a celebration of our collective impact over the last two decades, as well as an opportunity to come together in a new, inspiring way to build for the future.\nJoin the Walk for Parkinson’s to raise awareness, show those living with Parkinson’s we support them, and to raise money for support services.\nPlease join us for our largest fundraiser of the year. Although we can’t meet in person, we have a plan for bringing our community together. Beginning May 1, visitors to www.bandageball.org will be transported to an immersive storytelling experience, including three video stories of Overlake’s impact, an online silent auction, and maybe a surprise or two.\nJoin us for the August Chamber Lunch. Stay tuned for the speaker announcement.\nSorry, we couldn't find any posts. Please try a different search.", "label": "Yes"}
{"text": "We break down how the provincial election has been unfolding, how other Canadian jurisdictions approached pandemic elections, and where we go from here.\nIn Labrador, the election fiasco adds another layer to the inequities imposed by a government founded on the denial of Indigenous peoples’ rights.\nThe film draws parallels between the 1992 cod moratorium and the realities of modern-day Newfoundland and Labrador.\nNewfoundland and Labrador may have just fumbled its way into an ultra vires election; game over on a technical foul.\n“Emergency powers are still constrained by the constitution and the rule of law. It’s really hard to predict what happens next.”\nMore than five hundred full-time jobs were created by the Newfoundland and Labrador film and television industry in 2019 and 2020.\n“[There] would have to be an increase in the alert level before we would consider significantly delaying an election,” Chaulk tod the Independent.\nThis is a referendum on negotiating debt relief with the federal government. Your only choice is how much leeway to give the provincial Liberals.\n“We can’t pretend that the municipal sector, with its property tax, is going to be able to afford a billion dollars over the next 10 years.”\nThe debates are a significant milestone in the 2021 campaign.\nSo-called parachute candidates can be controversial, but they can also serve important functions—and even strengthen democracy.\nVoters do not have the ability to give properly informed consent so far in the 2021 election. That’s a major problem.\nFind out where candidates stand on issues including the province’s changing demographics, paths forward for its troubled economy, climate change, and more.\n“The one thing citizens deserve is a more honest assessment of what the future in the province holds, and what each of these parties would do differently.”\nWith more women listed on the ballot than ever before, candidates and advocates highlight their experiences—and barriers to political participation.\nNature abhors a vacuum and when the attention economy is starved of real information it will begin to produce and consume bullshit.\nCandidates Sarah Stoodley, Sheilagh O’Leary, Andrea Newbury, and Damian Follett talked to us about they would represent Mount Scio in the House of Assembly.\nFrom the circumstances prompting it to the candidates running, here is everything you need to know about Newfoundland & Labrador’s 2021 general election.\nWith so much so much at stake, shrouded in so much secrecy, spread out across unruly social media platforms, chaos reigns over the coming campaign.\nThis article was initially published as the donors-only ‘letter from the editor of the Independent’ on 10 January 2021 (#36). For more like this delivered directly to your inbox every week, donate below. Do you trust the voting public of Newfoundland and Labrador to make good decisions about the future of their province? It’s an important question. And for a lot of influential people, the answer seems to be “no.” Consider the Premier’s Economic Recovery Team (PERT). Last week, Mary Shortall, president of the Newfoundland and Labrador Federation of Labour, abruptly quit her position on the PERT citing concerns that its recommendations for “economic recovery” would put her in a conflict of interest with her duties to represent the interests of the province’s unionized workforce. This comes about a month after Jerry Earle, president of the Newfoundland and Labrador Association of Public and Private Employees, had his own meeting with…", "label": "Yes"}
{"text": "Pariplay, a subsidiary of tech-driven iLottery and iGaming solutions provider NeoGames, has inked a deal with Tipico’s US division, paving the way for even further growth in the US market.\nUnder the terms of the agreement, Tipico customers in New Jersey will have access to a variety of Pariplay’s content, including games from its Wizard Games series and some aggregated content from its Fusion service.\nNeoGames, the parent firm, has announced that its subsidiary, Pariplay, is getting ready to expand its operations in the North American market.\nTipico, for its part, is a leading online sportsbook and online gaming operator. The organization offers cutting-edge digital entertainment in addition to captivating gameplay coverage across 30 distinct sports. Recently, the online casino in New Jersey reintroduced a brand-new and well-established platform developed entirely in-house.\nThe content held by Pariplay will be ready for integration in the first quarter of 2024. The current collaboration is a continuation of an existing connection. Tipico is a known Pariplay customer in European markets.\nAmidst all of this, Pariplay will remain focused on its expansion plans throughout certified states and introduce its Wizard Games and Fusion content. There will be the onboarding of various other operators in the region, such as Rush Street Interactive and Hard Rock Digital.\nAccording to Tsachi Maimon, President and Head of iGaming at NeoGames, it is a tremendous opportunity for them to offer iconic titles to Tipico US through their rebuilt online casino in New Jersey at the beginning of 2024. According to him, they intend to actively distribute their Wizard Games and Fusion content in order to attract more North American gamers.\nAccording to Tipico’s US CEO, Adrian Vella, the ability to offer Pariplay’s content to its consumers in 2024 will be a huge benefit with the introduction of their newly organized online casino facilities in New Jersey. He is confident in their Wizard Games as well as the Fusion collection, which will further reinforce their position in the North American gaming industry.", "label": "Yes"}
{"text": "The Villas at Walton Creek Condos in Steamboat Springs are a hot commodity this summer. There were 4 sales at the Villas in 2015. Of those, 3 were in June, July and August of 2015. There are 3 Villas condos under contract right now.\nWe have a 2 bedroom 2 bath listing that just went under contract and another we’re involved with as the buyers’ agents. This will mean that 6 condo sales at the Villas at Steamboat will occur in the summer and fall months.\nThe sales stats are also looking good. Per square foot, the sales at the Villas in Steamboat have improved greatly. This year so far the average price per square foot is $302.80. We haven’t had that pricing at the complex since 2008. This is very encouraging for the current owners at the Villas at Walton Creek, and indicate to the buyers who are on the fence that if they they don’t buy quickly, the price may go up.\nThe Villas Condos are popular with both the full time and second home owners. They are moderately priced, and all have an attached garage. They have the feel of a real neighborhood, while also providing amenities that attract second home owners such as hot tubs, play area and are within a couple of blocks to the Steamboat Ski Area and the free bus stops right by the development.\nThe HOA also makes The Villas appealing. The association does a very nice job maintaining the quality of the complex, and the monthly cost is pretty low compared to other developments. It includes almost everything- even heat and high-speed internet! The only utility that the owners pay for is electricity, and with the heat provided by the HOA, that is a very small amount.", "label": "Yes"}
{"text": "In simple terms, a sole proprietorship refers to a business which is not incorporated and which has only one owner.\nI’m encountering more and more sole proprietors who want to form S-corps so they can save on taxes. It’s a good strategy — if you know what you’re getting into. The problem I encounter with these clients is: almost all of them engage in mystical thinking about the wonders of S-corps.\nThis series on choosing a business entity started last June and covered 10 parts. Here’s a listing, with links, of all the parts in this series.\nThere’s no magical checklist for deciding on a business entity. But here are a few considerations.\nIn tax terminology, the term “draw” refers to money taken out of a sole proprietorship by the proprietor, or out of a partnership by a partner.\nDoes a Sole Proprietorship Need a Balance Sheet?\nA discussion of the sole proprietor business entity.\nSome basic tax information about sole proprietorships\nBasic tax information about sole proprietorships\nNOTE: I wrote this post in 2014, so be aware of its age. —– When I talk about the topic of salaries in sole proprietorships, I typically get confused looks from people. They run a sole proprietorship, they take money out of the business to live on or to reward themselves … that’s a salary, […]", "label": "Yes"}
{"text": "How One Michigan City Is Sending Kids To College Tuition-Free\nPaying for college presents a tremendous hurdle to many families, from wading through paperwork and to understanding of college debt. But what if the city you lived in footed the bill for college? That’s what Kalamazoo, Mich., has done for almost a decade. The effort, called the Kalamazoo Promise, has spent about $50 million assisting more than 3,000 students from the city.", "label": "Yes"}
{"text": "Gypsum Powder Production Line Houston - gypsum powder production line houston,texas – Oct. 25th. The Gulin product line, consisting of than.Feb 12, 2021 China Gypsum Board Production Line supplier, Gypsum Powder Production Line, Gypsum Board Making Machine Manufacturers Suppliers - Hebei.\nChina Phosphorus Gypsum Powder Production Line, Find details about China Phosphorus Gypsum Production Line, Chemical Gypsum Production Line from Phosphorus Gypsum Powder Production Line - Shandong Tengfei Mechanical and Electrical Technology .Feb 06, 2021 Glue Powder - gypsum production line. Polyvinyl alcohol (PVA) powder series of products is specialized in construction industry as an additive in all kinds of dry powder putty, dry mortar, tile adhesive, especially used for building putty and mortar, improving the flexibility, water retention and increase viscosity of mortar and putty.\nGypsum Powder Production Line Products - ecplaza. Gypsum Powder Production Line products Find Gypsum Powder Production Line products, manufacturers, suppliers and exporters Natural Gypsum Powder Production Line Equipment Procuct Description Natural gypsum powder is dihydrate gypsum (CaSO4.2H2O) after crushing, grinding, calcination, cooling homogenization, aging, packaging and made gypsum.High quality gypsum powder production line,, Henan, China (Mainland), Mega, New.Source from Zhengzhou Mega Industry . on Alibaba.com. gypsum powder production line - EC21 . gypsum powder production line Buyers Directory 3 million global importers and exporters gypsum powder production line buyers, purchasers, resellers, traders.\nChina Plant Paper Gypsum Board Plasterboard Production Line Machines Equipment Gypsum Powder Production Line Machines-Finished Built 470 Sets All Over The World, Find details about China Gypsum Production Line, Gypsum Board Production Line from Plant Paper Gypsum Board Plasterboard Production Line Machines Equipment Gypsum Powder Production Line Machines.Gypsum powder production line manufacturer supplier, China gypsum powder production line manufacturer factory list, find qualified Chinese gypsum powder production line manufacturers, suppliers, factories, exporters wholesalers quickly on Made-in-China.com.\nGypsum powder production line houston texas - Moon Technologies. 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Our factory production of Gypsum Production Line, provide one-stop services, including data monitoring of raw materials, raw materials, etc on strictly, ensure customers to produce high quality products, at the same time I plant each year on the equipment to upgrade technology and to ensure the most advanced equipment technology, based on principles of customer.Natural gypsum powder is dihydrate gypsum (CaSO4.2H2O) after crushing, grinding, calcination, cooling homogenization, aging, packaging and made gypsum powder production is the core technology of calcination (dehydration) system, the two gypsum crystal Structure, various components and the diversity of reaction performance, resulting in hydration products and hardening diversity.\nIn addition to our personalized solutions-driven customer service, Action Gypsum Supply has amassed an impressive inventory stock across many product categories for both residential and commercial construction application. Through strong partnerships with our vendors, we deliver quality industry-leading products at a competitive price.Gypsum crusher tamanho annemarie worstgypsum crusher tamanho annemarie worstGypsum crusher tamanho is a professional manufacturer and exporter of mobile gypsumgrinder such as crushing plant then produces hemihydrate gypsum obter preo gypsum powder production line france amman jordan, gypsum powder production line france amman jordan.\nGypsum powder production line adopts boiling furnace, high-voltage electrostatic dust removing and other advanced equipment, it is energy-saving and environmental protection. Technology introduction of boiling furnace With the development and progress of gypsum industry, the need of gypsum powder is growing, also with the quality of gypsum powder.Gypsum powder plant is widely used for gypsum board, plaster, cornice, school chalk, etc . The desulphurized gypsum production line is composed of hot air furnace, preheating system, calcining system, dust collecting system, modifying system, conveying.\nSell gypsum powder production line gypsum powder production line this design is an annual output of 30000 tons of construction plaster powder production line is a high degree of automation equipped with less staff the craft is mature the powder stable quality environmental protection and efficient production line after many ye.Jan 14, 2020 The production process of environmentally friendly gypsum powder has also attracted a lot of investors’ attention. In the past 20 years, Guikuang has focused on the development of green grinding powder production lines and the service experience of a large number of gypsum powder users, which makes Guikuang miners have accumulated rich.\nSearch for used gypsum powder production line. Find Zenith, Hongfa, and Dongyue for sale on Machinio.All Offers Products Company Profiles Images and other user-posted contents are posted by the user and eWorldTrade.com shall not be detained accountable for any such content.\nGypsum Powder Production Line - jiepugypsum.com. Gypsum powder production line (natural gypsum) uses advanced processing equipment such as a vertical mill, boiling furnace, etc. The boiling furnace is the most.Gypsum Powder Production Line. Float Glass Production Line. EPS Foam Production Line. Road Building Equipment Machine Accessories. Asphalt Mixing Plant. Asphalt Mixing Plant Vulnerable Parts. Thermal Oil Pump. SBS Modified Asphalt Emulsification Equipment. Asphalt Pump.\nGypsum Powder Production Line Gypsum calcined powder production line . If you need it , contact me freely. [email protected] 0086-13292884619.Gypsum Powder Production Line,Gypsum Machine . Gypsum powder production line (natural gypsum) uses advanced processing equipment such as a vertical mill, boiling furnace, etc. The boiling furnace is the most widely used gypsum calcining equipment in China, and is applied to calcining process of natural gypsum and chemical gypsum.", "label": "Yes"}
{"text": "- US stocks traded mostly lower on Monday as investors brace for a Fed meeting later this week.\n- The Federal Reserve is expected to aggressively hike interest rates by at least 50 basis points.\n- First-quarter earnings results continue to roll-in, and so far 77% of companies that have reported so far have beat profit estimates.\nUS stocks traded slightly lower on Monday as investors braced themselves for a more aggressive interest rate hike by thelater this week.\nThe Federal Open Market Committee meets on Tuesday and Wednesday, with an interest rate decision to be revealed at 2 p.m. on Wednesday. Market participants expect the Fed's Jerome Powell to announce an increase to the federal funds rate of 50 basis points, just two months after it made its first interest 25 basis point hike of the cycle in a bid to tame inflation.\nMeanwhile, first-quarter earnings continue to roll in, with about 55% of S&P 500 companies having already reported results. Of those companies, 77% are beating profit estimates by a median of 8%. Additionally, 69% of those companies are beating revenue estimates by a median of 4%, according to Fundstrat.\nHere's where US indexes stood shortly after the 9:30 a.m. ET open on Monday:\n- S&P 500: 4,120.37, down 0.28%\n- Dow Jones Industrial Average: 32,922.95, down 0.16% (54.26 points)\n- Nasdaq Composite: 12,281.99, down 0.35%\nWarren Buffett's Berkshire Hathaway held its annual shareholder meeting over the weekend in Omaha, Nebraska, and Insider's Theron Mohamed traveled to Omaha, Nebraska to document the event.\nThe $785 billion conglomerate revealed that it bought a net $41 billion into stocks last quarter, while slowing down the pace of its own share repurchases. Clearly, Buffett still sees opportunity in the stock market despite the recent .\nBerkshire purchased shares of Activision Blizzard after Microsoft announced its proposed acquisition in a merger arbitrage play, and it also increased its position in Apple, which by-far represents its largest stock portfolio holding.\nDespite losing more than $2 billion on its position, Cathie Wood's Ark Invest continues to buy shares of Teladoc after its near 50% earnings-driven implosion last week. The innovation-focused investor bought more than 600,000 shares of the tele-medicine company across its ETFs on Thursday and reiterated a bullish view on the company in an e-mail to investors.\nBitcoin rose 0.25% to $38,794. Ether prices fell 0.80% to $2,818.\nGold fell as much as 2.58% to $1,863.20 per ounce. The yield on the 10-year Treasury added three basis points to 2.96%.", "label": "Yes"}
{"text": "Not all commercial real estate is created equal: This is the first blog post in a series about fundamentals across major CRE property type sectors.\nThe old adage rings true as much today as it did during the 2007/2008 Great Financial Crisis: real estate is a cyclical market. Despite short-term tailwinds, strong real estate fundamentals will ultimately prevail, but blanket statements rarely capture the full truth. Not all commercial real estate is created equal; various property types and market segments move in different economic cadences and supply/demand market cycles.\nOne of the primary reasons that commercial real estate, as an asset class, has endured and thrived throughout volatile market cycles is its diversity of property types, or sectors. Commercial real estate is a dynamic, diverse and heterogeneous asset class. In the US alone, there are 7 property type sectors that eclipse $2T in value, including office, retail, industrial, multifamily, hospitality, land, and specialty buildings.\nWhile technically and practically part of the same asset class, performance in one property type sector is not necessarily correlated to others. Macro factors might influence various sectors in different ways. For example, job growth or remote worker dispersion in up-and-coming metros like Phoenix might strengthen opportunities for multifamily investors, while potentially reducing office demand in central business districts like San Francisco.\nIn the first blog post of this series, we will deep dive into fundamentals shaping the multifamily property type’s performance today, as of Q4 2023.\nLeverage Supports Strong Real Estate Fundamentals\nBefore covering macroeconomic trends shaping the multifamily market, it’s important to understand the role of leverage in shaping return profiles and real estate fundamentals across all property types.\nCRE is often a leveraged asset. When managed wisely, leverage can be a powerful and useful tool. While investment managers might have sufficient cash on hand to purchase a property outright, adding leverage (or debt) can boost the internal rate of return (IRR) of a real estate acquisition deal, which also enables that same investor to diversify equity capital across more investments or properties.\nHowever, even the most lucrative or attractive properties can be negatively affected by too much leverage, changing interest rates or a lack of refinancing sources. Ultimately, debt payments must be made on contactually scheduled dates, regardless of market conditions, asset performance or financing rates and availability. Thus, equity investors that fail to generate the cash flow required to make contractual debt payments might be forced to find additional equity capital, refinance at unattractive rates and terms, or potentially even lose the asset to the lender.\nWith interest rates at their highest level in 10+ years and debt capital more difficult to source, investors need to prudently manage their equity interests and debt levels. They also might need to plan to secure additional equity capital to preserve and protect their ownership interests in an asset.\nHow Housing Shortages & Demand Affect Multifamily Real Estate Fundamentals in 2023\nPopulation growth, immigration, migration, changes in household formation and other factors have caused a material imbalance in demand for housing and housing stock across US markets. This housing stock gap has grown materially in the past 12-15 years due to a slowdown in housing unit construction following the Great Financial Crisis (GFC). According to Zillow, US housing stock is undersupplied by 2-4 million units as of mid-year 2023. The shortage developed in the years following the GFC, and was sharply yet briefly amplified by supply chains, rising costs and other factors at the pandemic’s outset. Even if demand slows, generating excess supply to chip away at the existing shortfall and rebalance the market will take significant time (years) and consistent effort.\nFor the 10+ years prior to the GFC in 2007, the U.S. saw total housing starts of 1.6 – 2.1 million annually, which includes single family residential (SFR) and multifamily units. Given actual demand at the time, these levels are now viewed as contributors to a supply excess that culminated in the GFC. For over ten years following the GFC, total housing starts were at approximately half these levels, resulting in today’s accumulated shortfall.\nWhile SFR properties are distinct from multifamily assets, these two sectors are intricately linked. Prospective tenants often choose one or the other based on factors like market conditions, lifestyle, location, affordability and family formation status. In this sense, SFR and multifamily act as buffers for one another. It’s important to note that SFR generally accounts for 2-3x the number of new multifamily unit starts, meaning that SFR typically has a stronger impact on multifamily than multifamily would on SFR. For example, in 2021 and 2022, there was a double-digit percentage increase in the rental rates for multifamily as the supply shortfall particularly in SFR continued to expand.\nThe disparity between multifamily and SFR units varies significantly by region and sub-market, and while we won’t deep dive into specific geographic markets, we will address the broader factors distinguishing multifamily. In fact, even as the supply shortfall remains with the possibility for moderate SFR growth, the multifamily space in many markets will see significant or excess new supply hitting the market over the next 12-24 months, which many expect will keep rental rate increases at low, flat or compressed levels.\nMultifamily Long-term Fundamentals Remain Strong\nPrecise estimates are difficult to validate, but experts anticipate approximately 500k to 750k annualized new multifamily units will be delivered between now and the end of Q2 2025. These units are in various phases of the development pipeline today, but will all be new and available for occupancy during the next 6-8 quarters. In some markets, this means new supply bursts of 5-10% of total inventory will increase pressure on rental rates as the market absorbs the new supply. Regardless, we are excited about the long-term fundamentals of the multifamily sector.\nWith rent growth slowing, construction financing costs increasing and general economic uncertainty persisting, the new development pipeline for multifamily has largely also hit pause. In fact, we anticipate seeing a significant slowdown in new starts hitting the market in 2-3 years (and maybe 3-4 years) from today.\nWhile the multifamily sector will face numerous challenges, such as economic uncertainty, cost inflation on services, taxes, insurance and interest charges, and challenging labor supply, experienced operators are equipped to mitigate these and other risks. We continue to remain optimistic about multifamily’s outlook as a high-conviction property type.\nGovernment-Sponsored Lending Fosters Robust Choices\nThe federal government’s interest in creating and maintaining affordable housing supply has proven advantageous for investors of residential properties in the form of sponsored lending opportunities. Government-sponsored entities like Fannie Mae and Freddie Mac are charged with creating conditions to foster a robust, liquid financing market. This reduces the friction that investors and developers might otherwise face when seeking the capital required to finance multifamily deals throughout the entire risk spectrum and at various points in the property lifecycle. Other than SFR, no other asset class benefits from this type of government supported financing.\nStrong, Thematic Rent Growth Over the Long Term\nTop-line revenues across multifamily are coming off consecutive years of record-high rental growth, and as previously stated, we anticipate that rents will likely stabilize for the near term as material multifamily supply hits the market.\nHowever, the reality is the fundamentals related to population growth, housing formation, general inflation, and continued SFR supply constraints will result in long-term demand growth for multifamily units. Because developers view rent growth as a critical metric for evaluating the economics of new construction starts, supply will be somewhat constrained until rent growth–or the perception of it–emerges. Until then, all demand must be accommodated by existing supply and construction deliveries in the pipeline.\nWhile we don’t expect predictable growth, we do anticipate rental rate increases will act as a hedge to inflation and rising housing costs overall.\nDynamic Lease Terms and Annual Rent Growth\nMultifamily landlords benefit tremendously from leasing standards, tenant diversity and the reasonably short-term nature of leases. While the end of summer and beginning of the year account for an over-allocation of lease starts, multifamily operators typically rent to individual tenants on a one-off basis (i.e. not large block of leases) for one-year terms. This creates exceptional fluidity in pricing and vacancy management opportunities. Turnover times are reasonably defined unless a unit needs major upgrades, creating certainty for landlords that a vacant unit can be rented quickly if properly priced for rent.\nShort leases enable landlords to increase rent on an annual basis to meet market conditions, provided that these increases are in line with statutory or contractual lease rate rules. Additionally, landlords have also capitalized on new service revenue opportunities that supplement core rent revenue, such as trash pickup, delivery services, managed Wi-Fi, electric vehicle charging, and other smart home offerings.\nPerpetual Housing Demand Underpins Strong Multifamily Fundamentals\nDespite present challenges, multifamily real estate operators maintain a confident long-term outlook. These high costs continue to limit developer deliveries, but the opportunity for owners remains strong.\nThe long-term appeal of multifamily is reinforced by the massive, ever-present demand for housing units. Despite higher capital costs skewing margins, financing availability also contributes to the market’s evergreen appeal. Historically low unemployment rates and the economy’s overall strength will continue to drive demand and underpin strong real estate fundamentals for multifamily, with resilience to tailwinds hampering other sectors.\nWhile multifamily real estate demand may fluctuate due to certain macro factors, and today’s shortage may eventually pass, the basic societal need for housing will endure. We have strong conviction that multifamily will retain its status as a darling of the commercial real estate market, creating lasting value for years to come. Investors with a long time horizon and measured levels of growth should be rewarded for their patience and focus on the multifamily sector.\n17 CRE Investment Questions Your Data Can (Finally) Answer\nTo outperform the competition and move at digital speed, real estate investment managers must make decisions that are grounded in–not simply supported by–data.\nDownload our white paper to learn just a few examples of how CRE investment managers can turn data into answers with unprecedented speed, precision and scale with deal management software.", "label": "Yes"}
{"text": "Acemoglu and Robinson present a brilliant insight into why some nations succeed in improving the lives of their citizens and others do not. Successful countries have:\n- Stable and just laws.\n- Strong property laws.\n- Inclusive economic institutions.\n- Inclusive political system.\nFailing countries have:\n- Poor governance.\n- exclusive economic institutions that channel benefits to the ruling clique.\n- Exclusive political institutions that permit decision making by only the ruling clique.\n- Rule of law not upheld.\n- Private property not secure.\nInclusing economic institutions do not mean redistribution of income along the socialist or communist models, but just laws that enable the average citizen to use their available resources as they see fit. They will do what is most beneficial for themselves and their families.", "label": "Yes"}
{"text": "AARP Eye Center\nPhoto courtesy of Images_of_Money Flickr\nAs a result of the Affordable Care Act, people with Medicare in Oregon have saved $44,372,738 on prescription drugs since the law was enacted. The Centers for Medicare & Medicaid Services (CMS) also released data today showing that in the first half of 2012, 12,053 with Medicare in Oregon saved a total of $6,646,011 on prescription drugs in “donut hole” coverage gap for an average of $551 in savings this year.\nNationwide, over 5.2 million seniors and people with disabilities have saved over $3.9 billion on prescription drugs since the law was enacted.\n“Millions of people with Medicare have been paying less for prescription drugs thanks to the health reform law,” said CMS Acting Administrator Marilyn Tavenner. “Seniors and people with disabilities have already saved close to $4 billion nationwide. In 2020, the donut hole will be closed thanks to the Affordable Care Act.”\nThese savings are automatically applied to prescription drugs that people with Medicare purchase, after they hit the Medicare Part D prescription drug coverage gap or “donut hole.” Since the law was enacted, seniors and people with disabilities have had several opportunities to save on prescription drugs:\n- In 2010, people with Medicare who hit the donut hole received a one-time $250 rebate. These rebates in Oregon totaled $12,560,000;\n- In 2011, people with Medicare began receiving a 50 percent discount on covered brand name drugs and 7 percent coverage of generic drugs in the donut hole. Last year, 46,973 Medicare beneficiaries in Oregon received a total of $25,166,727 in discounts, an average savings of $536 for 2011;\n- This year, Medicare coverage for generic drugs in the coverage gap has risen to 14 percent. For the first six months of the year, people with Medicare in Oregon have saved $6,646,011.\nCoverage for both brand name and generic drugs in the gap will continue to increase over time until 2020, when the coverage gap will be closed.\nFor more information on how the Affordable Care Act closes the Medicare drug benefit coverage gap “donut hole,” please visit: http://www.healthcare.gov/law/features/65-older/drug-discounts/index.html.", "label": "Yes"}
{"text": "NCF is pleased to announce a new Annual Partnership with Marr Procurement.\nMarr Procurement offers sourcing and procurement services split into two areas: Supply Base Optimisation and Strategic Sourcing.\n“Many care operators today are facing more financial pressures than ever before. It is therefore imperative we offer our members a way to address such cost pressures without compromising on the quality of care. I am therefore delighted to announce that Marr Procurement, the care sector procurement specialist, has joined the National Care Forum as a new partner in 2017.”\nVic Rayner, Executive Director, National Care Forum\n“It is a privilege to be involved with the National Care Forum. I have worked in the UK care sector for a little over 45 years and never before have I seen the kind of cost pressures that care operators are facing today; for example, downward pressure on fee income and rising operating costs like the living wage, temporary labour agency costs and now Brexit-related inflationary pressures. Marr Procurement is like a breath of fresh air in that before I joined the team everyone I talked to said what they liked about them was that not only do they produce outstanding results but they are also open, honest and nice people to work with. At at time when the UK care sector is facing real financial difficulties, if there is one organisation that can help to reduce operating costs without compromising on quality or care, it’s Marr Procurement.\"\nSir William Wells, Chairman, Marr Procurement\nNCF members will be able to meet Christoph Marr and the team at the forthcoming NCF Annual Conference on 15-16 May at the Birmingham Conference and Events Centre.", "label": "Yes"}
{"text": "Stearns Bank specializes in USDA loans nationwide with a 40-year history.\nWe have an in-depth knowledge of the USDA loan program and pride ourselves on delivering high-quality, efficient service to borrowers across the nation. Stearns Bank is committed to providing an opportunity for stability, growth, expansion and rural employment to new or existing businesses in communities of 50,000 people or less.\n- Loans up to $20 million or more\n- Specializing in USDA Business and Industry (B&I) and Rural Energy for America loans\n- Proficient in a variety of industries and project types\n- Longer repayment terms – up to 30 years\n- Equity agreements as low as 10%\n- Loan uses: Business and industrial projects, installations and construction of renewable energy systems, refinancing, construction, modernization, expansion or purchase of equipment/machinery/supplies\nOur experienced USDA lending team will walk you through the process. We Get The Job Done!", "label": "Yes"}
{"text": "Crystal Insurance Company Limited is one of the leading general insurance (Non Life) company in private sector in Bangladesh. The company transacts a wide range of General Insurance business in Bangladesh and expertise in the field with sound and stable financial position.\nTo provide prompt, efficient and professionalized services for maximum risk coverage of the insured. To provide insurance coverage at the most competitive premium rate ensuring maximum security. To promote Human Resource development and professionalism in insurance business. To settle insurance claim promptly. CICL believes in the quality of the deals struck rather than the quantity of it. With our knowledge and expertise it is our commitment to the insuring community to deliver them the highest standard of security and professionalism.", "label": "Yes"}
{"text": "Tower investors receive entitlement offerPUBLISHED: 09 Jun 2010 00:07:18 | UPDATED: 09 Jun 2010 06:40:18PUBLISHED: 09 Jun 2010 PRINT EDITION: 09 Jun 2010\nTower Australia Group investors, the country’s fourth-largest insurance company, are expected to receive today details of their entitlement offer for the $96 million capital raising. .\nWE'RE IMPROVING AFR.COM\nComplete our short survey\nto have your say.", "label": "Yes"}
{"text": "Please don't post your comments more than once. I moderate all comments and a delay between posting and appearing is part of the drill here. I get to all comments in due time. Please don't continually repost the same comment. Only one will be posted. Thank you.\nTuesday, December 23, 2008\nWednesday, December 17, 2008\nSaturday, December 13, 2008\nThus, it seems that there is an appeal filed with the Oregon Court of Appeals in Arken. In Robinson, the issue is primarily whether the case is certified as a \"class action.\" Recall that the PERS Coalition lost on all counts in Arken, but won a significant victory in Robinson. There is no doubt in my mind that the defendants in the Robinson case (PERS), will appeal Kantor's verdict, but that is on hold until and whether the Robinson plaintiffs and attorney decide to pursue the verdict as a class action.\nIn the meantime, the White case, which challenges the entire settlement agreement in the City of Eugene case (Lipscomb), is still occupying space in Judge Kantor's office. He decided in late September that no hearing was necessary and that he would rule on the basis of the substantial factual record before him. If Judge Kantor is true to form, it will be somewhere near the summer solstice before he issues a ruling.\nSo, please enjoy your holiday season. You can go back to sleep for about four or five months before any new information is likely in these various cases.\nThursday, December 04, 2008\nWithout getting too technical, suffice it to say that the actuarial rate guarantee plays into many aspects of the PERS system. PERS has the legal authority and the fiduciary responsibility to use an assumed interest rate that is attuned to economic realities and fiscal experience. The 8% rate was established in 1989 and so it has been in force for 20 years. Prior to that the rate was lower. There is no precedent that I can find where the system *lowered* the assumed rate. Actuarial tables and their associated mortality factors, which drive the optional benefit forms PERS retirees can select from, are built from the assumed interest rate. Reduce the rates and the mortality factors will change. This will, in turn, lead to lower monthly benefits. Similarly, the Tier 1 regular account balance is driven entirely today by the assumed rate (the 8% guarantee) since no new funds have flowed to Tier 1 accounts since January 1, 2004. At a lower assumed interest rate, account balances would grow more slowly. Again, a lower account balance at retirement will lead to a lower monthly benefit and coupled with lower mortality factors, drives the monthly benefit down significantly. Finally, the employer contribution rates are driven by several factors, not the least of which is the assumed rate at which employer contributions are expected to grow. If the assumed rate is lower, employer contributions will rise because less of the anticipated growth will come from the assumption about earnings. This is the trickiest idea for most people to understand, but any careful research would demonstrate its truthfulness.\nEven from the briefest introductions above it is easy to see that both PERS members and their employers have interests that are completely aligned. The coupling of the assumed interest rate makes both parties agree on the direction of the assumed interest rate.\nRecently, I had an email exchange with Greg Hartman about this, while a PCC colleague had an almost identical conversation with Paul Cleary, PERS Executive Director. Both mentioned the same set of facts. First, employer rates have been set for 2009-2011 on the assumption of an 8% rate. This means that no change will be made until the next time the PERS actuary undertakes its next system valuation in 2010. That will be used for the 2011-2013 rate setting. Second, the 2009-2011 mortality tables have already been set to take effect on the first of next month. They, too, assume an 8% earnings rate. The take home message here is that none of the crucial decision-making about the assumed interest rate would make any sense until 2010 for implementation in 2011. Both Hartman and Cleary make the same point about the next system valuation. The 2009-2011 rate-setting and mortality table implementation do not take into account the dismal situation in 2008. Those losses will get recognized in the next system valuation in 2010. Since those losses bear on employer rates, there is a strong likelihood that employer rates will rise significantly resulting from the 2008 system losses. If PERS were to add to that a change in the actuarially assumed interest rate, employer rates would rise even further. It was a steep rise in employer rates that triggered the series of events that led first to the City of Eugene case, the 2003 Legislative reforms, and the string of litigation that followed. It is doubtful that anyone has the stomach for that again.\nThe logical conclusion from this is that, despite the pressure from outside forces to do so, it is highly unlikely that we will see a decrease in the actuarially assumed interest rate anytime in the near future. Of course, a rogue legislature might try to force the issue, but with all the forces who share a common purpose in keeping those rates where they are, it seems unlikely that the Legislature will try to overcome that resistance.\nMonday, December 01, 2008\nIt is not really possible to pinpoint the precise point at which OPDG began its long downhill slide into irrelevancy, bickering, and petty sniping. It has been at least a year, possibly more, since there has been any spirited discussion of a significant PERS topic. Yes, there have been discussions of PERS-related matters, but the old fire simply isn't there. Earlier this year, I made the decision that I could not tolerate the level of politicization of the Board and its hostile takeover by the extreme political right. I resigned as a moderator, and after many entreaties, started my own Yahoo newsgroup that *is* devoted exclusively to PERS and retirement-related issues. Once the political candidates were known, OPDG began on the relentless path to irrelevancy. There was a constant drumbeat of anti-Obama rhetoric, and attempts to crush and intimidate any opposing viewpoint (especially those who actually supported Obama). This has not abated with Obama's election, the financial crisis, and the end of George Bush's presidency. If anything, the hostility has grown in much the same way that talk radio seems to inflate by the appearance of political opposition.\nThe irony of this is that OPDG's charter actually warns new members about the very things that are tearing at the fiber of OPDG. Uncivil discussions, name-calling, ad hominem arguments, censoring posts for no obvious reason, etc. The reality is that there are only now four or five regular posters and a few drive-by shooters - mostly from the political far right, and a couple who have tried to defend the more moderate or left wing of politics. The left has no chance on OPDG, because the moderation team is composed primarily of those with opposing viewpoints. In short, for those of us who are celebrating the beginning of a new era in politics, OPDG is like the polar-bear club, with waterboarding.\nBecause I have no desire to subject *my* readers to the abysmal and unpleasant discussions over at OPDG, I am today removing the link for OPDG from my blog, and from my newsgroup. I will no longer reference any discussion on OPDG and will, in all likelihood, completely discontinue any participation in that group. Its members will still have access to the same news as both this blog and my newsgroup (see left to PERS Oregon Discussion) are completely open, unlike OPDG.\nContrary to the belief of many, there is still plenty of PERS news to report. It won't be daily; it may not be weekly. There is a legislative session coming in about 7 weeks, and with the financial crisis still ongoing, there will be many discussions about PERS and its financial health. It would not surprise me to find that PERS benefits show up again in discussions. Whether this will result in any changes or not, remains to be seen. But you can be assured that I and many others will be watching, listening, and reporting on relevant PERS news. You can be certain to find out here and on our sister-newsgroup (PERS_Oregon_Discussion).\nAnd to the owner of OPDG, I wish you well competing in the political world. There are many other discussion groups on the web you can compete with. But if you wish to become the FOX news archive on the web, I'm afraid that FOX news has its own archive and anyone interested in seeing the views presented on that network can go there. You would be wise to heed the advice of Manu Chao who said it best when he wrote: \"Politik Kills\". Your group has a substantial membership, but the question you need to ask is how many readers do you actually have. How many have tuned out because the group has lost focus and lost direction. OPDG is becoming like the legendary foo bird. If you don't know that legend, Google is your friend.", "label": "Yes"}
{"text": "Making the most of surprises is a great reason to work with us.\nHave A Question About This Topic?\nYour FICO score matters more than you may realize.\nDo you have an estate strategy? You should.\nEach day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.", "label": "Yes"}
{"text": "BOSTON (MarketWatch) — My, how things go full circle. A few years ago, before the housing market crashed, experts warned Americans against counting on the equity in their home to fund their expenses in retirement. Six years later, experts are singing — even in light of a still-depressed housing market — a slightly different tune, telling retirees and pre-retirees they will have to consider many tactics, including a reverse mortgage, to afford retirement.\nConsider: Fidelity Investments this week joined the fray with a survey noting that working American households may face a potential 28% drop in income in retirement and that four in 10 retiree households already report not having enough income to cover their monthly expenses.\nTo bridge that income gap, Fidelity is telling folks to do the usual things: adjust their asset allocation, increasing the percent allocated to stocks; increase their savings; delay their retirement date; and annuitize their retirement assets. But Fidelity is also telling folks, as researchers at the Center for Retirement Research just did last week, to tap into their home equity.\nAccording to Fidelity, 72% of people it surveyed own a home and 32% of homeowners have no mortgage. “Through downsizing and expense reduction, this home equity could be harnessed to generate income in retirement,” Fidelity said in its release.\nJohn Salter, an associate professor in the Personal Financial Planning department at Texas Tech University, is among those who agree with Fidelity’s assessment that people will need to find ways to use home equity for retirement income. “Many current and future retirees’ homes will be one of their biggest assets, and this may be a resource moving forward that shouldn’t be ignored,” he said.\nTo be sure, Fidelity did not explicitly say “use a reverse mortgage.” But increasingly, advisers and others such as Salter are telling Americans to at least consider the product when building a retirement income plan. “I believe reverse mortgages will be a very important tool to consider now and moving forward with retirees,” Salter said. (Read the Center for Retirement Research at Boston College report, “How Important Is Asset Allocation to Financial Security in Retirement?”, which recommends the use of reverse mortgages here.)\nAccording to Salter, reverse mortgages haven’t always been viewed favorably, but all that changed when the Federal Housing Administration (FHA) launched the Home Equity Conversion Mortgage (HECM) Saver in October of 2010. Prior to the HECM Saver, there was the much maligned HECM, which many viewed as an expensive product with upfront costs, upfront fees for insurance, closing costs, monthly service fees and the like.\n“I came from the same camp as most financial advisers thinking the HECM was too expensive to be justified as a mainstream planning tool, but with the HECM Saver option, I have since reconsidered, and subsequently learned many of the benefits of the product that are quite attractive.”\nBenefits of reverse mortgages\nThose benefits, according to Salter, include the following:\n- The loan benefit can be taken as a line of credit, tenure payments for life or term certain, or a cash-out.\n- It’s a non-recourse loan, meaning the liability to homeowner/estate is never more than the value of the home. The FHA insurance picks up the difference.\n- Interest or principal payments are not required.\n- The proceeds are tax free.\n- The interest, when paid, may be tax deductible.\n- The loan is not cancellable/callable (as with a home equity line of credit or HELOC).\n- Unused line of credit grows over time based on LIBOR rate, independent of home value.\nOf course, older homeowners have to meet some requirements to qualify for a HECM Saver. For instance, Salter said the youngest borrower on deed must be age 62. Taxes and insurance must be paid on an ongoing basis, as well as the house maintained. The HECM Saver must be on primary home.\nAnd, Salter suggested that there be little or no forward mortgage on the home, but this is not required. “Any remaining balance on a forward mortgage must be paid or rolled into the reverse mortgage,” he said. “If a forward mortgage exists there would just need to be an analysis completed to determine if there are means to pay off the forward mortgage and the benefit relative to doing so.”\nThere are, as is seemingly the case whenever the subject of reverse mortgages comes up, plenty of misconceptions that plague the product’s use and acceptance. For instance, although this was the case in the past, the bank does not own the home, Salter said. “A debt is accrued that must be paid off upon sale or death — up to the value of the home with the FHA-insured product,” he said.", "label": "Yes"}
{"text": "Our new sustainable packaging hub in Liverpool City Region\n26 Oct 2021\nWe’ve opened a new office at Liverpool Science Park to boost industry and academic partnerships and drive economic prosperity in the ambitious North West innovation ecosystem.\nWe’re delighted to be joining a broad network of scientists and innovators at Liverpool Science Park — including the Manufacturing Technology Centre, part of our High Value Manufacturing Catapult family. Our new base within the Knowledge Quarter Liverpool Innovation District has been made possible thanks to £110,000 funding from Steve Rotheram, Metro Mayor of the Liverpool City Region.\nThis pre-development funding will support the creation of a £60 million National Packaging Innovation Centre that could position the UK at the forefront of the £1 trillion global packaging market and play a significant role in meeting net zero targets.\nAt present, the packaging market is highly fragmented and optimised for cost-reduction, resulting in low levels of innovation in both new materials and processes. This has impacts on economic, social, and environmental outcomes, with only 5% of plastic packaging currently recycled and only two-thirds of food produced reaching the consumer.\nUtilising CPI’s cleantech expertise, the Centre will bring together industry and academia to commercialise sustainable packaging materials and production technologies.\nDarren Ragheb, Strategic Programmes Manager, CPI, said:\n“Demand for resource-efficient packaging solutions from consumers, governments and regulators provide an opportunity for the UK to lead the way in this disruptive market.\n“With the North West’s ambitious innovation ecosystem, Liverpool City Region makes an ideal location for CPI to expand its offering. Through access to industrially relevant capabilities and expertise for packaging innovation development and demonstration, CPI will support the transformation of industries and improve the long-term health of our environment.\n“CPI’s new office at Liverpool Science Park will provide a hub for partnership development with universities, local government, industry, and SMEs to enable the development of the National Packaging Innovation Centre that will drive jobs and productivity in the region.”\nThe Centre is being co-developed by Liverpool City Region Combined Authority and CPI with Unilever as a founder partner. The region is home to Unilever’s consumer products headquarters at Port Sunlight and offers complementary existing and emerging innovation assets including Unilever’s Materials Innovation Factory at the University of Liverpool, Glass Futures, and supply chain partners at Sci-Tech Daresbury.\nSteve Rotheram, Metro Mayor of the Liverpool City Region, said:\n“The Liverpool City Region is a real hotbed of innovation, especially areas like advanced manufacturing that have a big role to play in cutting our carbon footprint.\n“This funding is an important step towards the development of the National Packaging Innovation Centre in partnership with Unilever, that will help put our region at the head of the £1tn global packaging market.\n“As well as making a substantial environmental impact, this centre will attract investment to our area and create thousands of jobs and training opportunities for local people. The rest of the world will look and learn from the work we’re doing.”\nThe announced support from Liverpool City Region Combined Authority will catalyse engagement with industry partners who would provide financial support to the project, matching requested investment from government.\nLeanne Katsande, Head of Commercial at Liverpool Science Park, said:\n“Liverpool Science Park is already home to a fantastic mix of like-minded and ambitious innovators, developers, creators and scientists and we are excited to be welcoming CPI into that community. Moving into the park is about more than a lease and an office, it is about becoming a part of the innovation ecosystem that we have worked hard to create with our strategic partner, Knowledge Quarter Liverpool.\n“CPI’s ambitions and values are perfectly aligned to our own and we are delighted to be involved in the journey towards creating a National Packaging Innovation Centre, here in the Liverpool City Region, from day one.”\nIn addition to around 60 jobs at the Centre itself, the final project would form the core of a wider packaging cluster in Liverpool City Region, bringing up to 2,000 high-value innovation jobs and supporting businesses across the packaging supply chain.\nTo tackle plastic pollution, we need bold innovations that challenge existing designs, materials and business models. We support the National Packaging Innovation Centre, enabling world-class scientists and engineers from across industry and academia to work together to create more sustainable everyday products.\nChief Research & Development Officer, Unilever\nLet’s innovate together\nTo find out more about how we can work together, please enter your details below.", "label": "Yes"}
{"text": "Are you going to put your home on the market this year? Do you want to find out the best time of the year to successfully list and sell your home? Research has shown that the Spring is the best time overall to list your home for a variety of reasons. In Greensboro, home sales tend to increase during the months of March through June, as the warmer weather gets people outside to look at neighborhoods and new homes. According to Time Magazine, most buyers prefer to move during the summer months:\n“The best time of the year to sell a house is the spring. Buyers come out of the woodwork during the spring, and with tax refund checks in the bank, spring buyers more often pay full price. In fact, sales peak in the spring, helping to explain why about 60% of those who move do so in the summer. Tip within a tip: Don’t price your house with a zero at the end. Studies show that people perceive a precise price, such as $282,284, as lower than rounded ones, such as $280,000, even when the rounded prices are actually lower. Real-life sales show that one zero at the end of an asking price lowers the final sale price by .72% and two zeros lower it by .73%. That may not sound like much, but it can add up to thousands of dollars.”\nSince families would prefer to not move during the school year, the summer is the ideal time to relocate to a new home. Make sure it is priced right by selecting an experienced real estate agent to be your Selling Agent, so you can have all of the available data and tools to make your sale successful. At Smith Marketing, Inc., our 27+ years of residential real estate knowledge creates a winning formula for every home sale in Greensboro.\nHow to Price Your House Correctly for Greensboro Home Sales\nWhat are some of the factors to consider when determining a sale price for your home? One helpful resource that is provided by our firm is a comparison of similar homes, or ‘comps’. By reviewing the sales prices of comparable properties, you can narrow in on a price that makes sense for your home. Your agent will take into consideration the age of the home, lot size, square footage, condition of the home, amenities, location, and the number of bedrooms and bathrooms. These are all important considerations for the following reasons:\n- Age: Compare homes within the same age range, for instance, do not compare a home built in 1915 with a home built in 2002.\n- Lot Size: The lot size should be very close to the lot size that you are listing. If one home had 1-2 acres and the listing home had .25 acres for the lot size, there is a significant difference that changes the value of the home.\n- Square Footage: Larger homes typically have larger sales prices, and buyers usually search for homes by the desired square footage.\n- Condition of the Home: Simply looking at comps by square footage isn’t enough, especially when a home is a fixer-upper compared to a move-in-ready home.\n- Amenities: Pools, gourmet kitchens, and other amenities will increase the sale price of a home. Make sure you are comparing apples to apples when you are looking at other Greensboro home price.\n- Location: Does your home have a nice view, or is it located on a busy road or quiet cul-de-sac? The location affects the price of the home and needs to be compared to similar homes in similar locations.\n- Number of Bedrooms and Bathrooms: This is another huge searching factor for buyers, who want a specific # of bedrooms or bathrooms in their new home. The home prices vary according to the number of bedrooms and bathrooms, even within the same square footage range.\nCall the Experts in Greensboro Home Sales\nThere is a large amount of research that goes in to pricing your home correctly. Save yourself the headaches of having to lower your price every other month by getting it right the first time. At Smith Marketing, Inc., our trained agents have the tools, techniques, training and tips to help you successfully list and sell your home. Contact our office today to get the highest level of service and experience with Greensboro, High Point and Winston-Salem Home Sales: 336-215-7880.", "label": "Yes"}
{"text": "Islamic militants post video showing beheading of second US journalist and make threat against Briton\nIslamic State extremists have released footage which claims to show the beheading of US journalist Steven Sotloff.\nMPs are facing a ban on using taxpayers’ money to rent a home from one of their colleagues.\n19 October 2012\nBank of Scotland, part of the Lloyds Banking Group and owner of the Halifax, was today fined £4.2 million for poor record-keeping which led to it making £20.4 million of goodwill payments to 22,700 customers who were not actually entitled to them.\n19 October 2012\nLender Halifax fuelled fears of a turn for the worse in the property market today as it reported the third monthly fall in a row for house prices in September.\n04 October 2012\n02 October 2012\nCurrent account customers are being charged as much as £900 a year for going overdrawn without permission, according to a report that \"shatters the myth\" of free banking.\n21 August 2012\n11 August 2012\nA stand-off between reluctant sellers and nervous buyers is threatening stagnation for the housing market for the rest of the year, lender Halifax said today.\n06 August 2012\nSaving for your retirement with an ISA is probably the last thing on your mind if you’re in your 20s. However George Osborne’s recent budget means that this year’s graduates won’t be able to draw their state pension until they’re at least 71 years old.\n30 July 2012\nThe Financial Ombudsman has seen complaints about mobile policies rise\n10 July 2012\nThe Diamond Jubilee was no good for house-builders as buyers fled the country or put moving on hold to join in the celebrations, Bovis Homes said today.\n09 July 2012", "label": "Yes"}
{"text": "In light of The Construction Act and the new ‘Duty to Report on Payment Practices and Performance’ legislation applicable to larger businesses, Construction contractors are turning their eye to WebContractor from Open ECX.\nTo understand why WebContractor is getting so much attention, it’s important to briefly explore the UK construction industry’s challenges around delayed and late payments.\nWe have created an eGuide featuring five key points that can help streamline your business processes – fill in the form below to download it:\n- Industry challenges around delayed payments\n- Lack of visibility and control due ot inefficient paymnent processing\n- Overcoming these challenges through best practice and improved collaboration\n- Timely payments using automated payment processing\n- Single implementation and onboarding of suppliers\nDownload the full guide here:\nWe may process your personal information for carefully considered and specific purposes which are in our interests and enable us to enhance the services we provide, but which we believe also benefit our prospects/customers. You can opt out of these communications at any time.", "label": "Yes"}
{"text": "Goldman Sachs Announces 2022 GS UK Black Tech Cohort03.14.2022\nThe Goldman Sachs Group announced that seven companies have been selected to participate in the inaugural UK Black Tech cohort of Launch With GS, a $1 billion investment strategy grounded in our data-driven belief that diverse teams drive strong returns. The customised immersive programme, will provide high-touch access and resources to a select group of UK-based Black founders, to fast-track their companies’ growth and build relationships with investors and industry experts.\nThe 2022 UK Black Tech Cohort includes:\n“The UK is a global hub for technology talent, but despite the overwhelming evidence that diverse teams perform better at every level, under-represented founders are faced with disproportionate barriers to entering the VC ecosystem and benefiting from its network,” said Nishi Somaiya, global co-head of the Growth Equity business within Goldman Sachs Asset Management. “We believe that combining the vision of these talented founders, with guidance from Goldman Sachs leaders and access to the firm’s resources, will help accelerate their growth trajectories and access to capital.”\nSeun Toye-Kayode, EMEA head of Launch With GS, said: “The programme has been specifically designed to meet the needs of each participant and their business. We’ve seen the effect of our work in the US and we’re excited to provide a platform to some of the UK’s most promising start-ups and their founders.”\nEach entrepreneur will receive customised input from across the firm, with Goldman Sachs investment teams providing direct support to each founder. They’ll participate in workshops with Goldman Sachs leaders across the investment banking, research and investing teams and have opportunities to engage with the broader Goldman Sachs network. The two-week experience will feature individually tailored programming, and will culminate in an invite-only Investor Showcase, where the companies present their visions to the Launch With GS ecosystem of like-minded investors.\nTo learn more visit: www.gs.com/LaunchWithGS\nSource: Goldman Sachs\nThe bank expects to hire several hundred employees in the region.\nEmployees routinely communicated about business matters using text messaging on personal devices.\nLCH SwapAgent said trade highlights its coordination of the transition to risk free rates for non-cleared OTC ...\nThe bank is executing on strategic initiatives including potential divestitures and asset sales.\nWith Natacha Dezert and Aman Mehta of BNP Paribas Securities Services.", "label": "Yes"}
{"text": "83rd house: Richards, Stanley face Johnson\nBy Joanie Morris\nCONCORD ó N.C. Rep. Linda Johnson will have some company on the ballot this fall, but it’s the election Tuesday that will decide who Johnson, a Republican, will face.\nBarry Richards or John Stanley want the Democratic nomination for N.C. House District 83.\nRichards, 45, is a former town administrator who teaches drivers education in the Cabarrus County School System.\nStanley, 63, is a retired textile worker and a seasonal tax preparer.\nThey agree on several issues and disagree on others.\nOn growth, Stanley and Richards say the issue is a local government concern.\nStanley says the job of the state is to make sure local annexations are not unreasonable.\nRichards says the state can help local governments.\n“I would enhance growth for viable business opportunities by expanding infrastructure improvements with state funding when asked and when the funding can be attained,” he says. “I would support local initiatives for watershed assistance. I would support road improvements and education expansion when asked and when the funds were attainable.”\nMost of all, Richards says, he will “support a climate of deregulation and less taxing so that citizens and businesses can use their money to support their own visions without state encroachment when possible.”\nRichards believes a Democrat could help Cabarrus residents of 83rd District because Democrats control the legislature.\n“The politics of Raleigh are present whether we think it fair or not, and as long as we have (Republican) representation in Raleigh, then Cabarrus will get penalized for not having like representation in Raleigh from its elective officials,” Richards says. “I believe that Democrats will control the House, Senate and gubernatorial offices, as well as the Council of States as a whole for many years, and Cabarrus needs to have representation likewise.”\nStanley says roads are a complex issue.\nHe supports bringing light rail to Cabarrus County ó and not 20 years from now. “Yes, we have to update our roads. We also have to bring in light rail,” he said\nStanley puts $40 of gasoline in his 2001 Nissan each week.\n“What’s the pollution factor over here? What’s the time factor?” Stanley asks. “During rush hour, it takes longer to get to Charlotte than to get into Salisbury because the roads are so backed up. I don’t think light rail is an option anymore. For pollution and energy-wise …. light rail is a necessity at this point.”\nRichards and Stanley differ on state incentives for recruiting business.\nWhile the state needs to supports business, he says businesses sometimes take incentives and then try to blackmail the taxpayer. for more.\n“”I believe tax incentives are good, but … you have to make it fair and balanced. I would like to see taxes cut, but when taxes are cut across the board, the loopholes have to be tightened up so you don’t have a disproportionate burden on the smaller companies.”\nRichards favors state-sponsored tax incentives to businesses “that produce qualified jobs.”\n“I believe that we are giving away too much taxing authority at present,” he says. “We live in a free market society based on capitalism, and we can support business best by giving them and their employees a quality of life they can’t get in other states and other areas in North Carolina. …\n“We can support them best by giving them an area of diminishing crime, property value increases, good schools for their kids to attend, better infrastructure to and from their places of employment that will make their business better manageable, less local and state regulations that strap their creativity to produce jobs and increase productivity, lower income taxes so that individuals can use their own income to support their own families with greater purchasing power, which qualifies (as) positive economic stimulus to other businesses, which then create the cycle of creativity and job growth again.”\nContact Joanie Morris at 704-933-3450 or firstname.lastname@example.org.\nsays Richards. “Finally, the state can support families and individuals by allowing basic freedoms of religion, speech, gun control and the pursuit of happiness by providing for safe and ecologically clean environments.\n“All of this will allow for less sponsored tax incentives and great productivity within the business and manufacturing community,” Richards says.\nBoth candidates say the N.C. Research Campus is a positive engine for the county and state.\n“I will be a funding-liaison for any projects that the NCRC has and do my best to deregulate some restrictions that keep the people of the NCRC from using their God-given creative talents,” Richards says. “I think the people of the NCRC are proving that they don’t necessarily need the state to tell them what to do because they know their vision and expertise way better than some bureaucrat with four walls will ever know.”\nHe says collaborative efforts have their place in a relationship with the officials at the N.C. Research Campus and the state.\n“My past local government experience and networking abilities will be invaluable in due time as the NCRC grows and expands,” Richards says.\nStanley says the impact of the campus will be felt all over the country, not just in the region. “It has to be secured,” he says. “It was made for profit. It’s not a state-funded institute. It was also made for a lot of individual companies. We have to make sure those companies are nurtured and not overburdened by the debt of the county.”\nStanley says he is running because he wants to help make a difference and he has some personal issues he would like to see come before the state legislature.\n“I would like to see a local VA clinic over here,” says Stanley. That is a clinic for routine examinations and blood work, not a full-blown hospital like in Salisbury or Charlotte. “It’s convenient for the amount of veterans in the area.”\nAlso, he would like to see improvements in the Homestead Act, such as changing income requirements from $25,000 per year total to $25,000 for single seniors and $40,000 for married seniors. In addition, he favors removing a state lien on senior citizen’s properties.\nRichards says he is running because he wants to work for Cabarrus.\n“I need the votes of the 83rd District to accomplish a better Cabarrus that continues to grow and support its citizens while allowing a productive business and manufacturing environment with scholastic acceptance and appeal that will provide jobs and economic viability for the fine people of Cabarrus into the 21st century with the vision to impact the world,” Richards says. “With your help, I’m sure that our future will continue to emerge.”\nContact Joanie Morris at 704-932-3336 or email@example.com.", "label": "Yes"}
{"text": "Fortress Asia Macro Fund Named “Best New Asia Fund” at Eurekahedge Asian Hedge Fund Awards 2012\nCompany Release - 6/6/2012 10:00 AM EDT\nNEW YORK--(BUSINESS WIRE)-- Fortress Investment Group’s (NYSE: FIG) Fortress Asia Macro Fund was named “Best New Asian Hedge Fund” at the Eurekahedge Asian Hedge Fund Awards 2012. Sponsored by Eurekahedge, the world’s largest alternative investment funds research house, the awards considered over 400 Asian hedge funds, with winners selected by an independent panel of judges based on performance in 2011 and the first quarter of 2012.\nThe Fortress Asia Macro Fund was launched in March 2011, and is managed by a Singapore-based team headed by chief investment officer Adam Levinson. The Fortress Asia Macro main fund recorded net returns of 9.42% inception-to-date and 5.93% year-to-date through May 31, 2012.\n“We are honored to be recognized by Eurekahedge, and we are thankful for the confidence of our investors and their advisors,” said Levinson. “We look forward to building on our record to date, and believe the Asia region will continue to present ample opportunity to leverage our macro capabilities and experience on our investors’ behalf.”\n“The Asia region has been a major focus of Fortress’s Liquid Markets business since it was established in 2002,” said Stu Bohart, president of Fortress Liquid Markets. “With a regionally-focused and globally-integrated macro trading platform in Singapore, we’ve been able to apply our depth of experience very effectively for our investors. We remain very enthusiastic about the opportunities we see in the Asia region for our Liquid Markets business and Fortress more broadly.”\nFortress Investment Group LLC (NYSE: FIG) is a leading, highly diversified global investment management firm. Fortress applies its deep experience and specialized expertise across a range of investment strategies - private equity, credit, liquid hedge funds and traditional fixed income - on behalf of over 1,400 institutional clients and private investors worldwide. For more information regarding Fortress Investment Group LLC or to be added to its e-mail distribution list, please visit www.fortress.com.\nFortress Investment Group\nGordon E. Runté, 212-798-6082\nSource: Fortress Investment Group LLC", "label": "Yes"}
{"text": "Our Controller and CFO Services\nWhether a startup, a well-established business or a non-profit entity, your organization has financial management needs. Informed guidance and support is integral to your success when analyzing your operations and making financial decisions, but “the right man for the job” may not always be a part of your organization. You have more options than you may realize.\nHobe & Lucas accountants have decades of experience as business advisors and owners to act as ideal controllers and CFOs for hire. Rely on our extensive experience for the guidance and support you need. Focus on growing your business and fulfilling your mission in the meantime.\nOur Controller-For-Hire and CFO Outsourcing Services Include:\n- Monthly accounting closing and review\n- Accounting system implementation and review\n- Assistance with financial reporting\n- Internal controls analysis and implementation\n- Cost analyses\n- Finance structuring, tax planning and compliance matters\n- Policies and procedures analysis\n- Exit strategy and succession planning\nYou don’t have to go it alone. You also don’t need to hire until you’re ready. Find out how we can work together.", "label": "Yes"}
{"text": "Although China boasts the world's most extensive high-speed rail infrastructure with over 16,000km of track, it is also home to one of the last regular passenger steam train services in the world.\nAward-winning photojournalist Kevin Frayer made several trips on the train and then walked along the tracks, capturing scenes straight out of China's past.\nThe narrow-gauge Jiayang Railway connecting the towns of Shixi and Bagou in Qianwei county, Sichuan Province, was constructed in 1958 to haul coal. The trains are still powered by the rusting, temperamental steam engines built in the 1950s.\nIn 1978, the service added a couple of passenger coaches. The train was the only way for locals to travel between the two towns until a road was built a couple of years ago.\nThe regular carriages are very basic, with wooden benches and no glass in the windows. Your fellow passengers might include poultry and piglets, which are being taken to market by local farmers. But it is cheap: a one-way trip costs CN¥5 (£0.52, $0.81).\nFor a more luxurious trip, there are air-conditioned sightseeing carriages, catering for a growing number of tourists wanting to experience this \"living fossil of the Industrial Revolution\".\nSeats in these carriages costs 10 times as much as on the local service but you do get a tour guide and the chance to disembark and photograph the train barrelling around the scenic Jiaoba Curve at top speed (30kmh).\nThe 20km route through the misty, mountainous Sichuan basin passes scenic rapeseed fields, bamboo plantations and rice paddies. The tiny villages alongside the tracks seem untouched by China's rapid economic progress.\nBagou, the town at the end of the line, was once home to 20,000 people, but the closure of the coal mine led to a decline. The miners moved away, and the schools and hospitals were shut down. Now the place is unloved, with crumbling buildings and around 1,000 mostly elderly residents.\nHowever, the increasing popularity of the railway line may turn the fortunes of the town around. Some of the former miners' cottages have been renovated and now operate as guesthouses for visitors.\nThe tourists that come here are mostly urban Chinese people from nearby cities like Chengdu, wanting to travel back in time, but a few foreigners have begun making the trip to experience \"the real China\".\nKevin Frayer, who took these photographs, told IBTimesUK: \"So much of the view of China these days is about development and fuelling economic growth. It is a country of megacities, sprawling buildings and has one of the most sophisticated transport systems in the world.\n\"Yet there are still places where you can get glimpses of an older China, where the pace is slower and the infrastructure less advanced. The steam train line in the hills of Sichuan looks exactly as it has for decades.\n\"The service still exists mostly because of tourists who come from cities in other parts of China, longing for a bit of nostalgia. The rail line is operated by the local coal company so that helps keep it viable. But it isn't a guarantee. China's government continues to curb coal dependency so there could be a day the steam train is at risk. For now, it is a wonderful and rare chance to take a step back in time.\"", "label": "Yes"}
{"text": "That will change afterwards JPMorgan Chase & Co Thursday became the first global index provider to include it in its emerging markets index. The decision paves the way for an inflow of billions of dollars, just at a time when the bond market is under pressure due to record government borrowing.\n“This could be a push factor to stimulate foreign inflow to India and foreign investors are likely to be more active in the Indian fixed income market,” Morgan Stanley strategists led by Min Dai wrote in a note, calling the index inclusion a “landmark event.”\nThe move supports India’s aspirations for greater global weight as the country boasts one of the fastest economic growth rates in the world and positions itself as an alternative to China. At the same time, the inclusion will open the country’s public finances to greater scrutiny by foreign investors, likely increasing the volatility of local markets.\nThe inclusion will begin in phases from June 2024. India will achieve a maximum 10% weighting in JPMorgan’s flagship emerging markets index, which has a benchmark of $213 billion.\nGoldman Sachs Group Inc expects an inflow of more than $40 billion from active and passive funds over the next eighteen months. The purchases will be “implemented immediately as investors prepare for withdrawal,” strategists led by Danny Suwanapruti wrote in a note on Friday.\nForeign investors currently own less than 2% of government bonds. Officials have worried in the past about the consequences of excessive debt inflows, which have made local banks and mutual funds the main buyers of bonds.\nThe index news “should structurally bode well for interest rates and currency markets, leading to lower borrowing costs for the economy and more responsible fiscal policies,” said Madhavi Arora, chief economist at Emkay Global Financial Services Ltd.\nKotak Mahindra Bank expects foreign ownership to rise to 3.5%-4% by the end of fiscal 2025 as investors pour money into a high-yield market.\nThe benchmark 10-year yield could fall to 6.9%-6.95% in the next six to eight months if the global environment improves, said Jayesh Mehta, country treasurer of India at Bank of America in Mumbai.\nThey closed at 7.19% on Friday.\nBloomberg LP is the parent company of Bloomberg Index Services Ltd, which manages indexes that compete with those of other service providers.", "label": "Yes"}
{"text": "What’s a Procedure in Science?\nGenerally in most of the current science books and newspapers, it is said that what really is a strategy in mathematics is really a certain system of study. This may incorporate the biological and bodily programs, like dwelling and nonliving, bodily and nonphysical processes. These definition could be utilised to specify a system, however at the same period, it might likewise be correlated in what is a part, an element, an element together with a different one, or even a unit, that is regarded as as one thing. In any situation, it cannot necessarily be understood to be a component.\nThe expression system in mathematics means numerous parts within an whole or the method . This may possibly involve some thing as simple as a complex compound or a part writing an introduction for a research paper of a engine process or mechanical part. A very simple illustration of the system in science may be financial institution, which has a financial platform or even a bank and its own resources or obligations.\nThere is A system considered as a residence of a system. A bank’s system is because a real estate of monies would be the machine of the systems. The real estate of this system can be referred to as an alternative to something of equations. Which usually means that in a bank there’s really a particular technique of equations that influence the various types of property that banks consume, the kinds of transactions along with the existence of banks.\nAs it performs selected functions such as developing deposits and offering loans A bank is a part of a system. A banking is a system of the system. In the Event You ask,”Exactly what really is really a strategy in science” , then the answer will undoubtedly soon be the device of banks.\nTo put it differently, when you take a have a look in a bank, you will find a lender and its distinct structure. The lender is part of the entire planet financial strategy. In the least, this is what the majority of banks have been used to presume.\nBanking can be a very essential function in all economies. The bank gives loans and creates capital. Furthermore, the lender additionally manages and modulates the flow of funds within a country.\nA bank’s main use is to create and take care of a pair of funds. The entire banking strategy enables persons to receive money and gets money’s obligations.\nA bank can be a part of the economy. With no lender, a country wouldn’t be able to acquire needed capital. This is especially valid in times https://tyler.temple.edu/temple-contemporary of catastrophe, when a country requires money and cannot get into the private industry.\nIt is Even though a lender creates capital. The government usually imposes strict regulations on banks to stop their incorrect utilization. In the event the lender is found to be abusing its power, the bank may be thesiswritingservice.com taken over by the government and force it to clean up its act.\nA bank’s industry worth is determined throughout the provisions. If a bank to give cash to someone is wanted by the government, it will tell the bank that it needs a certain quantity of cash to produce sure arrangements.\nIn the event the bank failed to receive the mandatory level of money then the bank would reduce its ability. In most states, the federal government reserves the privilege to offset or include requirements to this lender loan contract. So, banks are required for the smooth functioning of the country.\nA particular bank is had a need to create a enterprise. There could be no business sector. This is something that we should all consider when it comes to what is that a strategy in science.", "label": "Yes"}
{"text": "Intro: If you’re thinking about borrowing against the equity in your home, you may wonder if a cash-out refinance or a home equity loan is the better option. Here’s what you need to know about each one. A cash-out refinance lets you borrow more than your current mortgage balance and use the extra money for whatever you want. A home equity loan is a\nNew York Home Owner Information\nBeing a first time home buyer can be a hassle for certain. Even though it’s exciting, unless you already know exactly how to take care of your home you could soon be overwhelmed.\nWe’ve compiled this list of articles to assist you in your new home buying process and ownership.\nAre you considering selling your house and wondering where you will move if you do? If you’re in New York, there are many different types of real estate that you can choose from. Depending on your budget and what kind of lifestyle you’re looking for, you can find the perfect place to call home. If you’re looking to downsize, plenty of apartments and condos\nIntro: Many people are asking if they should buy a home now that the high inflation rate. Artisan Realty weighs in on the matter with some advice. According to their research, homes are still a good investment, but there are certain things potential homeowners need to remember when making such an important decision. For example, it’s essential to factor in how long you plan\nThe National Association of Home Builders/Wells Fargo Housing Market Index fell 4 points to 64 in July, its most significant drop since October 2014. The index, which gauges builder confidence in the market for newly-built single-family homes, is now at its lowest level since December 2014. “Builders are reporting that buyer traffic has slowed in recent months, which is impacting sales and leading to\nMoving to any place can be a stressful event. But there are certain things you can do to make the transition a little easier – like deciding whether it’s better to buy a big or small house. A Fidelity National Financial subsidiary IPX1031 survey reveals that most Americans prefer a small house. The survey asked 2,006 individuals, and more than half of the respondents\nThe coronavirus pandemic has greatly impacted the world in many aspects – from how we work to how we socialize. The real estate industry is no exception. Though the pandemic has caused a slowdown in the market, buyers are still looking for homes – they’re just being more selective about what they’re looking for. Owning a home in Rockland County, New York, is a", "label": "Yes"}
{"text": "Euro-zone youth unemployment will remain elevated for at least the next half-decade, the International Labor Organization said Tuesday, forecasting a small reduction in the jobless rate will come from young people withdrawing from the labor market instead of stronger hiring activity.\nThe Geneva-based agency of the United Nations projects that 15-to-24 year-olds in the 17-member economic bloc will face jobless rates of nearly 22% in 2013 that will dip modestly to 21.4% in 2017. In the U.S., youth unemployment is forecast to fall from 17.4% this year to 13.3% in 2017.\nLong-term youth unemployment has long-term consequences for young people and for businesses, according to the ILO and other labor market experts.\nRead it all.\nFiled under: * Culture-Watch Young Adults * Economics, Politics Economy Labor/Labor Unions/Labor Market The Credit Freeze Crisis of Fall 2008/The Recession of 2007-- * International News & Commentary Europe --European Sovereign Debt Crisis of 2010\nPosted September 4, 2012 at 4:34 pm\nTo comment on this article: Go to Article ViewThe URL for this article is http://www.kendallharmon.net/t19/index.php/t19/article/44777/\n© 2013 Kendall S. Harmon. All rights reserved.\nFor original material from Titusonenine (such as articles and commentary by Dr. Harmon) permission to copy and distribute free of charge is granted, provided this notice, the logo, and the web site address are visible on all copies. For permission for use in for-profit publications, please email KSHarmon[at]mindspring[dot]com\n<< Return to Mobile view (headlines)", "label": "Yes"}
{"text": "I assume you mean not having the percentage for Working Area overheads under options C, D and E.\nFor me, it is more realistic Prices because the risk - which could be both threat and opportunity - associated with this percentage is removed. That might mean higher Prices or lower Prices but - all other things being equal - will probably mean that real costs are closer to Defined Cost are closer to the Prices. This applies to both forecasts at tender and actuals at out-turn.\nSuggest you post this on the BuilltIntelligence LinkedIn NEC forum as it is a good point for discussion.\nProbably wont alter tendered total of Prices too much, but will obviously affect the fee percentage as the element for recovery of people/working area overhead will now have to be included within the single fee. Therefore you will see a slight increase in that fee percentage (actually you wont as you wont know what it would have been for any future tender) but overall the attempt would be for a Contractor to get back to the same financial point you were with more than one fee percentage.\nThis is about redistribution of fee rather than additional/reduction. Will be easier to administer, but more difficult for Contractor to get right in the first place in a competitive tender situation.", "label": "Yes"}
{"text": "Serbia’s budget for 2023 is insufficiently transparent in the part that relates to the costs incurred due to the poor performance of public companies, primarily Elektroprivreda Srbije (EPS), and citizens are still without the opportunity to influence priority investments, Transparency Serbia (TS) assessed.\nIn the statement, TS reminds that the Fiscal Council, in its assessment of the budget proposal, indicated that the Government did not clarify how the losses of EPS and Srbijagas occurred and how the approximately one billion euros intended for those companies will be spent.\nThe budgetary costs for EPS are the result of “primarily the disastrous management of this company in previous years, and not the world energy crisis”, emphasizes the analysis of the Fiscal Council.\nTransparency Serbia states that for years it has been pointing to a problem with party appointments, mainly of acting officials to top positions in public companies, which has turned into open illegal management, with the assessment that the budget proposal for 2023 shows the price of such non-domestic business.\nThe Fiscal Council also indicated that the system of selection, implementation and monitoring of infrastructure projects in Serbia should be significantly improved and made more transparent.\nIn this regard, TS points out that citizens do not have the opportunity to express themselves about which projects are priority and whether they agree that the state should incur additional debt for their implementation, stating that prioritization is not regulated by law, and justification analyzes are often not publicly available.\n“Serbia can look at what other countries are doing, but it can also look up to its own local governments, where in dozens of cities and municipalities there are excellent mechanisms for consulting citizens on what the priorities are, above all when it comes to capital projects.” indicates TS, Insider reports.", "label": "Yes"}
{"text": "1 Minute Option is all about technology. We offer the best trading platform on the market. It will not lag, freeze or hiccup. Just open an account and see for yourself! We get you connected to the best trading platform available on the market and from that point on your success is our success.\nBest online trading platform websites Our account opening and funding procedures makes it easy for you to get started. In order to facilitate a new account, elpmarkets provides you with all the resources needed to make informed trading decisions. Once you start trading on the Zen Trading Platforms. https://www.elpmarkets.com/best-online-trading-site.aspx\nThe online trading platforms that recommended forex brokers provide would not only be simple, but also intuitive and easy to operate or navigate. It, therefore, makes sense to try out a few online ... The best forex brokers provide a great blend of in-house market analysis as well as tier-1 quality third-party research. Best Forex Trading Apps. While nearly all forex brokers have offered mobile apps for years, the difference in quality between a great app and a mediocre app is vast. Forex trading carries a high level of risk and may not be suitable for all investors. Before you engage in trading foreign exchange, please make yourself acquainted with its specifics and all the risks associated with it.All information on Online-Forex-Brokers.com is only published for general information purposes. Advertiser Disclosure: ForexBrokers.com helps investors across the globe by spending over 1,000 hours each year testing and researching online brokers.How do we make money? Our partners compensate us through paid advertising. While partners may pay to provide offers or be featured, e.g. exclusive offers, they cannot pay to alter our recommendations, advice, ratings, or any other content ... Interactive Brokers connects clients to 135 markets in 33 countries and enables clients to trade stocks, options, futures, forex, bonds and funds from a single integrated account.\nIn this video i share the 10 top online forextrading website Brokers . These 10 are most trust ful in 2018 are good trading platforms... This video is only f... Want to build a winning strategy with the tools inside your trading platform? Grab my Pitchfork Trading Guide for FREE: https://bit.ly/free-pitchfork-guide T... VIP EAP Mentorship Program - https://eaptrainingprogram.com/video-sales-page Time Stamps: What is a pip? - 10:40 What is the value of a pip? 27:00 What is le... This video took a while to make. I did A LOT of research, I know a lot of people TRUST my recommendations so before I recommended any of these brokers. I eit... Learn more here: https://bit.ly/2ShPRPx Here' why you'll never make money in Forex. It's all because of the Forex cycle of doom. Many aspiring traders who ar...", "label": "Yes"}
{"text": "Try For Free 7-Day Free Trial\nPost Oak Energy Capital is a private investment firm focused on growth capital investments US energy companies. Specific areas of interest include exploration and production, oilfield services (manufacturing/distribution), and midstream/related infrastructure assets. Post Oak Energy Capital is based in Houston, Texas.\n|Overall||13 of 28|\n|Sector (Oil/Gas Exploration)||8 of 20|\n|Type (Buyout (LBO, MBO, MBI))||9 of 10|\n|State (Texas)||7 of 18|\n|Country (United States)||13 of 28|\n|Year (2013)||2 of 4|\n|Size (of disclosed)||1 of 2|\nHempstead, Texas, United States\nRefinery Specialties, Inc. (RSI) is a privately held Hempstead, Texas-based oilfield service company focusing on formulating, blending, selling and providing technical support for the use of process and production treating chemicals for the oil field, including production, pipeline, refinery, and gas plants.\nMaverick Brothers Resources LLC\nEnid, Oklahoma, United States\nMaverick Brothers is a privately held oil and gas exploitation and production company involved in the horizontal development of oil and natural gas properties located in western Oklahoma.\nRidgemont Equity Partners is an independent private equity firm specializing in middle market buy-outs, corporate divestitures, recapitalizations and growth capital investments. The Firm targets to invest in companies located in North America, preferably in US and Canada. REP looks to invests $25 - $100 million in companies with EBIDTA of $5 - $30 million. The Firm seeks to hold both majority and minority equity interest in portfolio companies. Specific areas of interest include basin industries and services, energy, healthcare, telecommunications, media and technology. Ridgemont Equity Partners is a spun-off of Banc of America Capital Investors (BACI). Ridgemont Equity Partners was formed in August 2010 and is based in Charlotte, North Carolina and has additional offices in Dallas, Texas.\n|Overall||86 of 117|\n|Sector (Oil/Gas Exploration)||7 of 12|\n|Type (Buyout (LBO, MBO, MBI))||41 of 48|\n|State (Texas)||18 of 24|\n|Country (United States)||72 of 103|\n|Year (2013)||2 of 4|\n|Size (of disclosed)||17 of 19|\nUnitex Oil & Gas LLC\nMidland, Texas, United States\nUnitex Oil & Gas LLC is an upstream exploration and production company. Unitex Oil & Gas was established in 2003 and is based in Midland, Texas.\nTucson, Arizona, United States\nSimpleview offers integrated products and services for destination marketing organizations (DMOs), including the industry’s most advanced customer relationship management (CRM) platform and content management system (CMS), forecasting and reporting tools, websites, mobile sites, search engine optimization and interactive marketing services.", "label": "Yes"}
{"text": "While every other industry in the world is adopting ways for a sustainable future, the fashion industry still contributes 10 percent of global greenhouse gas emissions. Therefore, there is an urgent need to promote a sustainable fashion industry.\nSustainable brands are the need of the present. And fortunately, many brands are coming up with ideas that promote sustainability. From recycling to transparency, here are the latest trends for sustainable fashion.\nTable of Contents\nList of most significant trends for sustainable fashion\nIn recent years there has been an unprecedented increase in trends for sustainable fashion. Fashion brands have moved on from harmful production techniques to eco-friendly alternatives. So, here are the top 6 latest trends for sustainable fashion.\nOne of the oldest ways to achieve sustainability, recycling is the process of transforming waste into reusable products. Fashion brands have used this concept of recycling and adopted several methods to deal with the waste generated in the industry.\nTherefore, numerous fashion brands have endorsed innovative methods like donations for credits, resale auctions, and repair schemes. These brands use old clothes, donated or given for repair, to produce new clothing.\nThis process, known as fabric recycling, is adopted by fashion brands like Nike, Ecoalf, and Patagonia to manufacture stunning clothes.\n2. Use of environment-friendly materials\nMethods like recycling, renting, and resale will be inefficient if the fashion industry keeps on using materials that are harmful to the environment. The fashion industry knows it and therefore has started to use biodegradable materials\nFashion brands like Pangaia have shifted to natural dye instead of artificial alternatives. Since bacteria-based natural dye doesn’t cause water pollution and damage to the environment, it is a very environmentally-friendly method of producing fashion products.\nThis brand has also started using ‘smart’ fabrics that are biodegradable. It is a significant step towards a sustainable future because dyed cotton and other synthetic fibers are one of the main contributors to water pollution. Similarly, many other fashion brands have turned to natural fiber like grape leather instead of synthetic or animal-based leather to ensure a sustainable future.\n3. Rental Clothing\nHave you seen anyone wearing their wedding dress ever again? Like wedding dresses, many other dresses are worn on special occasions, after which they are unlikely to be worn again. The fashion industry has identified this pattern and has actively taken steps to minimize such usage of clothing.\nNow, you can find many fashion rental sites like HURR and Rotaro that provides customers with glamorous dresses for special occasions on rent. And since these dresses are available for a lower price, the trend of renting clothes has grown over the years.\n4. Popularity of resale\nOver the past few years, the rental market is not the only business that has experienced significant growth. The resale market has also witnessed a surge of over 20 percent in the last five years. We can see this trend because resale-based fashion sites like Depop or Vinted have witnessed exponential growth in popularity in the past decade.\nMoreover, customers prefer to buy second-hand products from resale sites because these second-hand products are of good quality with a much lower price tag. This trend of wearing second-hand products is called thrift fashion. Also, customers can purchase the clothes worn by celebrities at a lower price using resale sites, which is another reason for the growing popularity of thrift fashion.\n5. Reusable packaging\nJust focusing on environment-friendly clothing will not lead to a sustainable future. We also have to pay attention to the damages caused by single-use packaging. More than 90 percent of fashion packaging is thrown away as waste after product purchasing. Thus, waste generated due to single-use packaging is one of the main risks to the environment.\nFashion brands around the world have identified this threat. And brands like H&M and Bestseller have shifted to reusable environment-friendly packaging instead of plastic packaging. In addition, many brands like Gucci have taken this need for change as an opportunity to promote reusable packaging bags as a style symbol.\nWith the growing demand for sustainable fashion, many fashion brands have started greenwashing customers. It means that fashion brands promote their production methods and products as sustainable when they are not. It has led people to lose their trust in many fashion brands and they started demanding more transparency from the entire fashion industry.\nTherefore, in response to the growing distrust, ideas like “product passport” and “sustainability certificate” are utilized by many fashion brands. A product passport provides information about a product that helps customers to determine the product’s sustainability. On the other hand, a sustainability certificate validates a fashion brand that claims to be sustainable.", "label": "Yes"}
{"text": "a) Hungary / b) Constitutional Court / c) / d) 25-04-1997 / e) 22/1997 / f) / g) Magyar Közlöny (Official Gazette), 35/1997 / h) .\nKeywords of the Systematic Thesaurus:\nSources - Techniques of review - Concept of constitutionality dependent on a specified interpretation.\nGeneral Principles - Relations between the State and bodies of a religious or ideological nature.\nFundamental Rights - Civil and political rights - Freedom of worship.\nFundamental Rights - Economic, social and cultural rights - Right to education.\nKeywords of the alphabetical index:\nSchool, church, state budgetary contribution / School, denominational.\nIt is a constitutional requirement that in addition to the compulsory budgetary contribution, the state or the local authority should provide schools owned by the church with additional financial assistance in proportion as these schools assume duties which would otherwise be carried out by the state or the local authority.\nThe petitioner initiated an ex post facto review of a provision of the Public Education Act (\"the Act\") according to which the amount of financial assistance provided by the state and local authorities to schools not owned by the state or local authorities depends on the level of duties fulfilled by this kind of school which would otherwise be carried out by the state or the local authorities. Under these provisions, the state can provide these schools with additional assistance besides the compulsory budgetary contribution. The compulsory budgetary contribution defined by the Act covers only 63-64 per cent of the expenses of the operation of these schools, the rest of this expenditure should be covered by the church itself. For schools not owned by the state or local authorities, there is a possibility to conclude a public education agreement with the Government. As a result of this agreement, education will be free of charge. It is possible to conclude such an agreement with the Government if the schools owned by the church undertake duties which would otherwise be carried out by the state or local authorities. The decision whether to provide these schools with additional financial assistance is therefore at the discretion of the local authority or the Minister of Culture and Public Education.\nThe Constitutional Court held that this provision of the Act could be interpreted unconstitutionally due to the discretionary power the state has in this case. Therefore it can be applied only in accordance with the constitutional requirement declared by the Court in its current decision.", "label": "Yes"}
{"text": "How much does it cost to get penetrated by a data breach? Much more than you might expect.\nWhen an intrusion occurs, the potential costs can include:\n- Forensic activities to assess the incident’s scope, and find the exploit that allowed the intrusion.\n- Remedial measures taken to close whatever holes were found.\n- Most importantly, the lost revenue from existing customers who leave, and potential customers who will no longer consider purchasing from you.\nAdditional problems can occur as well. For example, public companies can experience falling stock prices. Companies in regulated industries such as health care can be fined. And so on.\nSetting aside industry-specific costs, what are the typical damages across all organizations? Unsurprisingly, the average cost of a data breach has risen over the last few years.\nAccording to a report from IBM and the Poneman Institute, the average cost of a successful data breach has risen to $4 million. This represents a rise of 29 percent in just three years.\nOn average, organizations lose $158 per compromised record.\nThe toll is even worse for regulated industries. For example, healthcare organizations lose an average of $355 per compromised record. This is the result of fines, along with a typically higher amount of lost business after the publication of the breach.\nBut probably the worst recent example of punishment for inadequate security is that of Yahoo.\nEarlier this year, Yahoo announced the discovery of a 2014 breach, which exposed data from at least 500 million users.\nNow Yahoo has announced the discovery of an earlier, even worse breach. In 2013, over one billion accounts were compromised, in an attack that was “likely” distinct from the other.\nAfter this announcement, shares of Yahoo Inc. lost six percent of their value. Over $2 billion in market cap was lost.\nNor is this the worst news for Yahoo. Verizon is now threatening a lawsuit to force different terms on its planned $4.8 billion buyout of Yahoo assets.\nSo what can be learned from all this?\nSimply this: that inadequate web security can, quite literally, cost billions of dollars.\nRobust web security is a vital part of doing business today. Cybercrime is a permanent, omnipresent threat.\nOrganizations must plan accordingly.\nPhoto credit: Helloquence", "label": "Yes"}
{"text": "Daily NewsView All News\nThe Austrian Association of Temporary Employers (VZA), has elected Alexander Praschek as new President. Previously Praschek was, as Vice-President, in charge of the Association's international relations.\nIt will be a priority for Mr. Praschek to further extend international relations with other temporary employment associations via the International Confederation of Private Employment Agencies (Ciett). Praschek said \"faced with the opening of the labour market [in 2011 to Eastern European staffing agencies] VZA must actively contribute to building a framework for the future labour market of Europe.\"\nMr. Praschek has a degree in business studies. He joined staffing agency Bueroring Personalmanagement GmbH in 1993 where he became Managing Director in 1997.", "label": "Yes"}
{"text": "Did you know that fewer than half of women will have a successful pregnancy on their first round of IVF?\nIVF is costly, and purchasing IVF cycles one at a time is more expensive than the cost of the same number of cycles when purchased as a package.\nARC multi-cycle packages maximize your chance for success by giving you more attempts, and offer a lower cost per cycle.\n|ARC® PACKAGE NAME\n|ARC® ONE IVF CYCLE PLUS\n|ARC® TWO IVF CYCLE PLUS\n|ARC® THREE IVF CYCLE PLUS\n|1 retrieval and up to 2 embryo transfers (fresh and/or frozen)\n|2 retrievals and up to 4 embryo transfers (fresh and/or frozen)\n|3 retrievals and up to 6 embryo transfers (fresh and/or frozen)\n|Average Package Price*\n|Average Cost per transfer**\n*Average package price and product offerings vary by clinic.\n**Cost per transfer assumes that patient was able to realize all transfers (attempts) included in package.\nUse the ARC Affordability Estimator to calculate your own probability of success and to help to choose the right IVF multi-cycle program package!", "label": "Yes"}
{"text": "International Business Machines (IBM) has named Gary Cohn, the former economic adviser to U.S. President Donald Trump and ex-Goldman Sachs Group president, as vice chairman.\nIBM announced Gary Cohn will be part of IBM’s executive leadership team and will work in the areas of business development, client services, public advocacy and client relationship management.\nGary Cohn served as Trump’s top economic adviser between January 2017 and April 2018 and before that was president and chief operating officer of Goldman Sachs for a decade.\nHe spent 26 years with the bank and last month said he will make a charitable donation instead of giving back compensation to Goldman Sachs as penance for the Wall Street bank’s involvement in Malaysia’s 1MDB sovereign fund corruption scandal.\nGary Cohn last year raised $720 million in an initial public offering (IPO) for a blank-check acquisition company. He has made investments across the cybersecurity, blockchain infrastructure, regulatory technology and medical technology sectors.\nGary Cohn will work in partnership with IBM CEO Arvind Krishna and the IBM Executive Leadership Team on a range of business initiatives and external engagement, in areas including business development, client services, public advocacy and client relationship management.\n“Gary Cohn is a globally respected leader with deep experience operating at the center of business and government,” said Arvind Krishna. “As a senior representative of IBM, his knowledge of technology and business transformation, combined with policymaking expertise, will bring unique value to our clients and stakeholders as we accelerate our hybrid cloud and AI strategy.”", "label": "Yes"}
{"text": "\"SPEND NOW, WORRY ABOUT THE DEFICIT LATER\"\nFebruary 15, 2009\nCurrently, the mood by the leadership in Washington is to spend well over a trillion dollars on stimulus and bailouts NOW and worry about the deficit LATER. It is sheer madness to spend this staggering amount of money when there is no proof it will re ignite our economy and no thought has been given as to how we are going to recoup this money. This Keynesian idea that the government can create prosperity simply by spending without changing long-term incentives is putting a band-air on a wound which requires stitches. It appears that any deficit of the past is poised to be sharply dwarfed by what is about to occur. The future of this generation and the generations to come are poised to be frozen into a bigger than life insurmountable mortgage.\nGovernment stimulus plans and regulations are based on force feeding new money into the economy in order to increase demand and thus production. But face the facts, where does government get the money in the first place? The government does not have its own nest egg stashed away. Every dollar it plugs into the economy must first be borrowed or taxed from some source. What government does is it takes hard earned money from a group of cash earners and redistributes it to another group but no new money is created.\nGovernments cannot create new purchasing power. Clearly, when Congress funds a staggering amount of new spending with tax payer money, it is redistributing exiting income. When the logic of Congress is to borrow or tax billions from one group of people and then gives it to another group of people and tell us we are wealthier or more patriotic because of that, their explanation defies logic. Furthermore, if the money is borrowed from American investors, those investors will have that much less to invest or to spend in the private economy. And, on the other hand, if the money is borrowed from foreigners, the balance of payments must still balance. That means reducing net exports through exchange-rate adjustments, thereby leaving net spending on the economy unchanged. Can it be that partisan politics trumps economics principle? A well respected economist Irwin Seltzer notes, we have gone from a market-driven economy to a politically driven economy.\nWhat we need strategically and immediately is growth in the economy. Economic growth is the increase in the amount of the goods and services produced by an economy over time. It is the private sector-–not public spending—-which drives growth. Economic growth comes by individual and entrepreneurs operating in the free market, not by Washington spending and regulating. Massive spending hikes in the 1930's 1960's and 1970's all failed to increase economic growth rates. That fact has been established.\nFrom the perspective of noted economists, the best way to stimulate the economy is to make the tax cuts permanent, to lower corporate tax rates, and to expand domestic energy supplies. Tax cuts give incentives to work, save, and invest, thus creating jobs and increasing economic growth. It is significant to note that most recessions are led by a reduction in investment. This recession has been led by a reduction in net exports, consumption and investment. We believe the key is to make long-term investment more attractive by doing things which attract foreign capital and make the United State a more competitive location to do business and this includes lowering the corporate tax rate. Other ways to make the United States more competitive would include eexpanding drilling for oil, shale, and natural gas which will cause energy prices to fall and create private real private sector jobs without artificial ineffectual government pump priming.\nHistory at home and abroad demonstrated that strategies relying on increased spending to stimulate the economy just do not work. Indeed, such lessons suggest that such strategies make things worse by diverting scare resources away from productive use in the private sector. We only need look at Japan in the 1990's. Japan rapidly increased government spending was an effort to recover from its economic downturn. In reality, it led to slow growth, low industrial production, and a decline in the overall standard of living and, at the same time, it whirls the deficit out of control. That is the direction in which we are now headed and a major paradigm shift into socialism is about to occur. Capitalism has not failed us, Government has failed us. All the warning signs at Fannie Mae, Freddie Mac, Lehman Brothers and Bear Stearns existed years ahead of the final day of reckoning. Yet our regulatory agencies and Congress let us down. While this may sound harsh, we are terribly disappointed in the recent turn of events. Republicans deserved to lose in 2006 because they chose pork-barrel spending over the taxpayers. Then, the Democrats rose to power and have proven to be as hollow and self-serving as their corrupt Republicans predecessors. To substantiate this, we reviewed the Congressional Budget Office critique of the $365 billion in the so called \"stimulus\" legislation. Or is it \"porkulus\"? Of the $355 billion which the leaders of the Democratic Party claim we need IMMEDIATELY, ONLY $26 billion of it will be spent in 2009. How can any elected official claim that $329 spent in 2010 and 2011 do anything to improve our current economic situation?\nAnd now, with all the shenanigans in Washington today, surely, the generations to come will look back and know that the newly elected governmental leaders of 2009 in Washington could care less about the \"frozen in deficit\" generations of the future. We can only be thankful that OUR fore bearers of years past thought more worthily of us. And that is how we see it FROM OUR PERSPECTIVE.", "label": "Yes"}
{"text": "We’ve done some of the work for you. We homed in on five of the biggest electric companies in Pennsylvania: Constellation Energy, Direct Energy, FirstEnergy Solutions, Green Mountain Energy, and Just Energy. We compared their plans, rates, special offers, and philanthropies, then dug into the contract fine print to uncover sneaky fees and the truth about discounts. Because most providers offer a range of options, we also looked at the companies behind the plans — paying attention to their corporate impact, customer service reputation, and customer resources in particular.\nThat means that customers in Houston paid an average of $5,500 more for electricity over a 14-year time span beginning in 2002, according to the group that buys electricity on behalf of municipal governments in Texas. The calculation, which uses data from the U.S. Energy Information Administration, assumes monthly electricity use of 1,300 kilowatt hours.\nCenterPoint Intelligent Energy Solutions LLC, IES, which manages TrueCost, is not the same legal entity as CenterPoint Energy Resources Corp. (CERC) or CenterPoint Energy Houston Electric, LLC (CEHE), nor is IES regulated by the Railroad Commission of Texas or the Public Utility Commission of Texas. You do not have to buy products or services from IES in order to continue to receive quality regulated services from CERC or CEHE.\nThere are many reasons for this but I’d like to focus on African power utilities. Power utilities are a very important part of the chain for delivering electrical power to end users. One of their key roles is to purchase power that has been generated by others, sell it on to end-users and to collect revenues. They are vital for extending grid-based power to consumers and to ensure regular and efficient power supply. As they collect money from end-users and pay it on to other players in the system, they are also vital in ensuring money flows through the entire power sector.\nVariable rate plans are always month-to-month, save for three-month intro specials in which your rate stays the same for those early months. Fixed rate plans, on the other hand, are available for periods ranging from six to 36 months. The contract lengths, and how that length influences the price per kWh rate, varies enormously from company to company. Some companies offer lower rates when you enroll for longer periods. Others raise the rate slightly. The competing rationale: You will be paying them for longer so you get a break, or you have that price locked in when energy rates inevitably rise. One rule of thumb — the longer the contract, the higher the cancellation fee.\nIf you spend most of your leisure time out of the house, none of these plans will do much for your bottom line. But if home is your favorite place to be, you could profit. Based on the estimates of energy companies, most people use about 31% of their total energy on the weekends. If you go through the average 1,000 kWh per month, you'll get about 310 kWh for free. Using data compiled by the EIA, we estimated 30% of average total energy is also used during evenings (including weekend evenings), working out to about 300 free kWh.\nStatement regarding savings: How your price compares. This is usually a generic statement that you may or may not be getting a better price than you would from the utility company, also known as the Electric Distribution Company, or EDC. Your local EDC sets a “price to compare” and any competitors’ plan may be lower or higher by several cents a kWh.\nWith the power to choose a supply plan, shopping competitive Texas electric rates could potentially save you money on your monthly electricity bills. TexasElectricRates.com can help you compare retail energy companies in Texas, finding the supply plan that is right for you. Best of all, there isn’t any risk when you shop Texas electricity. Simple enter your ZIP code to start finding electric supply rates in your area.\nResidents and businesses that pay directly for their electricity (ratepayers) can use Energy Choice DC to learn more about their purchasing options and the companies that provide electricity aggregation services in the District. Ratepayers connect with a broker who will collect necessary information from them and use that information to seek competitive pricing on electricity, including options for conventional electricity and electricity generated from renewable sources. The broker then presents the negotiated rate to ratepayers, who sign a contract with the selected third-party supplier, for a term of one to three years, and pay a monthly electricity bill based on a consistent rate during that period.\nOne of the most common sticking points for electricity customers is what, exactly, the difference is between an electricity provider (also called REP, CRES, or electric supplier) and an electric utility (also called a TDSP, TDU, or EDU). They’re both vital to the success of electricity deregulation, but they play very different roles. Understanding how they fit together can make a big difference in your overall confidence as an electricity customer trying to shop for the best electricity plan.\nElectric companies in Maryland post their rates for residential customers on their web sites. See list of electric company web sites in the column at left. To find out about the rates offered by electricity suppliers in your area you will need to contact those suppliers directly. The Maryland Public Service Commission maintains a list of licensed electricity suppliers at: http://webapp.psc.state.md.us/intranet/supplierinfo/electricsupplier_new.cfm.\nNebraska is the only state that generates electricity entirely by publicly-owned power systems. As of 2017, the statewide average electricity price is the sixteenth-lowest rate in the country, based on the latest federal figures. Nationally, electricity costs 15 percent more than it does in Nebraska. Across all sectors, Hawaii has the highest electricity rate (26.07 cents), and Louisiana has the lowest electricity rate (7.75 cents).\nTexas currently produces and consumes more electricity than any other state in the country. This energy consumption is due to its size, but the ample land makes it a major producer of wind power – a renewable, or green, energy source. The environmentally friendly energy created by wind power is available to many Texas residents to supply the electricity in their home or business.\nAround 85% of Texas residents must choose an electricity provider. Utility companies transmit and distribute electricity to customers. But that electricity doesn’t come from a utility—it comes from companies known as Retail Electric Providers. These providers offer competitive plans based on electricity pricing, term length, renewable sourcing and more.\nIf you’re on a fixed rate tariff with your current supplier, check to see if there’s an exit fee for leaving the contract early. If there is, you’ll need to factor this cost into your price comparison as it could swallow up some of the potential savings. If you can supply your tariff name when you get a quote, we can take your tariff into account when showing you the savings you could make.", "label": "Yes"}
{"text": "Enter the characters you see below Sorry, we just need to make sure you’re not a robot. Why do I have to complete a CAPTCHA? Completing the CAPTCHA proves you are a human and gives you temporary access to the web property. What can I do to prevent this in the future? If you are on a personal connection, like at home, you can run an anti-virus scan on your device to make sure it is not infected with malware. If you are at an office or shared network, you can ask how Should You Invest One Million network administrator to run a scan across the network looking for misconfigured or infected devices. Another way to prevent getting this page in the future is to use Privacy Pass.\nCheck out the browser extension in the Firefox Add-ons Store. What’s Bitcoin exactly, and should I invest in it? A link has been sent to your friend’s email address. A link has been posted to your Facebook feed. If you don’t prepare, it might vanish forever. A general view of the Bitcoin booth at the 2015 International CES at the Las Vegas Convention Center on Jan. Bitcoin, the best-known of the upstart digital currencies, is still a mystery to many Americans.\nBut its price is soaring so high into the stratosphere that it’s being compared to mega asset bubbles of the past and gaining widespread publicity just like Nasdaq’s exuberant internet stock rally back in the late 1990s, and the U. 11,000, making it the most valuable player in the mushrooming space for so-called cryptocurrencies. Or because Bitcoin bulls say it is a misunderstood new asset class that has a lot of potential. Believers in Bitcoin say it’s the money of the future, a digital alternative to the dollar or euro or yen. Non-believers say it’s not real money. Some investment pros say it’s a new asset class, no different from a stock, a bond or an ounce of gold, and that it has great investment promise. Skeptics say it’s not an investment because there’s no good way to value it.\nBitcoin is a digital currency and digital payment system that allows people to send and receive Bitcoins — or digital tokens — to anyone, anywhere in the world. It runs on a decentralized network of computers in which all transactions are recorded, verified and updated by technology known as blockchain, which is akin to an online public ledger. Unlike traditional payment networks such as Mastercard, Bitcoin isn’t owned by anyone. An easy way to get started is to set up an account with a Bitcoin exchange, such as U.\nCoinbase, which allows you to purchase Bitcoins with money from your bank account or credit card. And just as the New York Stock Exchange is a place where you can buy and sell stocks, such as Apple or Amazon, these exchanges will let you trade cryptocurrencies. Bitcoins purchased on an exchange or received in a transaction can be stored and accessed in a so-called “Bitcoin Wallet,” which is like a bank account. A Bitcoin Wallet lets you receive Bitcoins, store or save them and send them to others. There are apps that allow you to install a Bitcoin Wallet on your computer or mobile device. Where can I spend it, and what can I buy with it? You can spend your Bitcoin at any retailer set up to accept it as money.\nHow Should You Invest One Million More information…\nFounded in 1993 by brothers Tom and David Gardner, he says owning a basket of cryptocurrencies how Should You Invest One Million better than owning just Bitcoin. How Should You Invest One Million BEACH: A beach, you’ll have to apply and pay for a home equity loan which carries costs plus interest. If you want to live an easy life and not have to deal with buying and selling stocks just buy houses and put them for rent, the business model originated in Sweden in 2007 and it quickly gained popularity throughout Europe. What would you do if you had a million dollars? I will invest half of that in real estate, which allows you to purchase Bitcoins with money from your bank account or credit card.\nBut Bitcoin hasn’t yet enjoyed widespread adoption, and those retailers that do accept it are mostly set up online. You can use Bitcoin to buy more than 1,000 products at discount retailer Overstock. The price is determined by supply and demand — and market forces. The Bitcoin supply will be limited to 21 million, and currently there are roughly 16. Whether Bitcoin rises or falls in value depends on whether investors believe it will gain widespread acceptance, whether it can avoid being shut down by governments and whether it can continue to dominate the digital currency market or be surpassed by one of more than 1,300 other cryptocurrencies. Bitcoin has so much flavor of the month because it is a relatively new alternative currency demanded by hackers.\nWhat do investors need to know about Bitcoin? Bitcoin has gained most of its notoriety as an investment. But one of Bitcoin’s downsides is that it has proved to be wildly volatile. That rapid ascent has been accompanied by wildly different prognostications about Bitcoin’s future. Bulls such as Thomas Lee, founder of Wall Street firm Fundstrat Global Advisors, see promise. 11,500 by the middle of 2018, which is near current levels.\nHe also sees a growing interest from big institutional investors. But there are some big bears out there. Right now, cryptocurrencies are kind of a novelty. But where Dimon sees trouble, others see profit-making opportunities. Bitwise Asset Management, a San Francisco-based start-up, has introduced a new cryptocurrency investment fund.\nThe Bitwise HOLD 10 Private Index fund tracks the top 10 cryptocurrencies weighted by market cap, including No. 1 Bitcoin and others such as Ethereum, Ripple, and Zcash. Bitwise co-founder Hunter Horsley says it makes more sense for investors to be able to buy a basket of cryptocurrencies to reduce risk through diversification. Poor’s 500 stock index tracks the largest U. He says owning a basket of cryptocurrencies is better than owning just Bitcoin. There are now at least 55 crypto-focused hedge funds, according to financial research firm Autonomous Next.", "label": "Yes"}
{"text": "You've possibly seen that your electrical expenses are damaged down into two main components if you're an New Hampshire homeowner. One is supply, where your electricity stems, and also the other is circulation, how it arrives to your home using the physical power lines.\nBased upon the chart over, electrical prices in the U.S. have been continuously boosting over the previous decade. Assuming this fad continues, the ideal way to protect on your own from increasing prices is to switch over right into a 12-month or 24-month strategy and lock into a reduced price.\nIt's been over 10 years because New Hampshire deregulated electrical energy in the state, which opened up the markets for alternate electric providers to generate power for citizens as well as business consumers. The designated result was to make use of an open market to assist drive down the expense of energy. Until now, both officials and consumers consider deregulation a success in New Hampshire.\nEach supplier has actually shown the customer teams it means to serve as well as the utility areas where it means to perform organisation. The information in the tables listed below is based upon representations made by the provider. It might take some time prior to a distributor begins actively marketing to those planned customer teams and also utility locations. You need to go to the vendors' websites or contact them by phone for the most current information.\nLocal Electric Company New Hampshire\nWondering what all the ads for selecting an electrical supplier are concerning? During the 1990s, the New Hampshire Legislature took steps to give electrical supply selections to electrical customers. It took a while, nevertheless, for a competitive electrical energy supply market to establish, with alternatives for larger business as well as commercial consumers happening sooner than those for smaller industrial as well as residential consumers. Today, there are numerous business, called affordable power distributors, registered to provide energy to your residence or company. The Compensation's web site lists all the affordable energy distributors doing company in New Hampshire. A comparison of the costs as well as products supplied by affordable energy providers is likewise available.\nBased upon the chart over, electrical rates in the UNITED STATE have been progressively enhancing over the previous years. Thinking this fad continues, the ideal way to secure yourself from enhancing prices is to change right into a 24-month or 12-month plan and lock into a reduced rate.\nElectric companies recognize this as well as are aiming daily to discover methods to decrease their power prices so they can pass the savings on to their clients. In enhancement to providing you with dependable and also budget friendly service, top power business are additionally looking for new sustainable power sources that will all at once assist the atmosphere and lower your electricity expenses.\nAround 2010-2011 New Hampshire electrical energy decontrolled market took off with low power costs as well as the variety of new vendors servicing the area. All-natural gas has ended up being so affordable that variety of nuclear power plant started contending fiercely to offer their excess supply. It additionally led to challenging bidding process by seller plants on the power system, cutting the plants' margins, but significantly benefiting the end-customers.\nConcord is the resources of New Hampshire with a populace of over 42,000 since 2016. Concord has 2 utilities that offer power to their citizens, Unitil and Eversource Power. Liberty Utilities is the gas energy of all Concord services as well as locals. The ordinary electricity rate in Concord, NH is over 13% much less than the remainder of New Hampshire as well as 17% less than the nationwide average.\nDo not throw away way too much time contrasting NH power costs when you ought to be enjoying your day elsewhere. We'll make it easy for you with our electric rates for your New Hampshire residence. You no much longer require to count on energy distributors in New Hampshire.\nFor several individuals, the most important point to compare when buying electrical power is the cents/kWh rate. If this holds true, you'll wish to locate a retail electrical power company that uses a reduced rate than what you are currently paying, which is described as the Price-to-Compare and can be found on your present utility expense. Remember, even a small difference can cause big cost savings. However, some may be looking to a much more eco-friendly renewable resource strategy. We do our ideal to locate the ideal prices and also best eco-friendly energy plan for you as well as put them on top of the results page.\nThe Compensation's website listings all the competitive energy providers doing service in New Hampshire. A comparison of the prices and products supplied by affordable power providers is also available.\nYou will not be billed by your local energy for switching over to an energy supplier. Nevertheless, some power service providers in New Hampshire may require a deposit prior to you start your supply strategy. The quantity of this deposit could be reliant on your current standing with the neighborhood utility or your credit history. Deposits can alter from provider to supplier-- also prepare to prepare. When joining, make inquiries regarding your selected vendor's deposit need as well as any type of in advance prices for a more clear photo.\nConsumers don't need to take component in energy choice. If you decide to give up receiving power from a provider, your energy business will certainly stay in charge of all three power solutions: transmission, distribution and generation. Despite who you select to purchase your power supply from, the electric companies in New Hampshire will continue to be in charge of recovering power if there is an outage. Prepared to dive in? Enter your ZIP above.\nSwitch Electric Company New Hampshire\nWondering what all the advertisements for picking an electrical vendor have to do with? Throughout the 1990s, the New Hampshire Legislature took steps to provide electric supply options to electrical customers. It took a while, however, for a competitive electrical power supply market to develop, with options for larger industrial and business customers happening faster than those for smaller sized industrial and property clients. Today, there are numerous companies, called competitive energy distributors, signed up to supply energy to your home or company. The Compensation's internet site listings all the competitive energy providers doing business in New Hampshire. A contrast of the items as well as rates provided by affordable power distributors is also available.\nYou will not be charged by your local utility for changing to a power vendor. Some energy carriers in New Hampshire might need a down payment prior to you begin your supply plan. The amount of this down payment might be depending on your present standing with the local utility or your credit report. Deposits can transform from provider to vendor-- even intend to plan. When registering, ask regarding your selected vendor's deposit need and any kind of upfront expenses for a more clear image.\nFor the initial time ever before electric companies are including a range of power plans, consisting of plans that make use of sustainable energy such as wind, solar, and also water-generated electricity. Call today to get quotes on energy costs from top power companies in New Hampshire.\nMaybe it's as straightforward as needing affordable electrical suppliers to offer rates that defeat the default or equate to service readily available from utilities. Perhaps we require to forbid affordable vendors from automatically putting customers on a brand-new rate strategy when their initial price bargains end. Or possibly it's time for the Public Utilities Commission to open up a formal examination into whether restructuring has actually benefited our state's electric clients.\nRenewable Energy-- Looking to be more ecologically conscious? Numerous providers use partial or 100% renewable electrical power alternatives as well as Renewable resource Certifications (RECs) to citizens and tiny services. While the prices are greater than conventional electric sources, the availability of renewable electrical power has driven costs down and also can commonly be found for much less than the energy's Price-to-Compare for traditional electrical energy.\nDeregulation, or energy option, permits you to shop for the generation, or supply, part of your energy expense. Power supply makes up over half of your expense as well as different distributors may offer attractive electric prices in New Hampshire not available by your energy business.\nAnd there is no factor to think a multistate service obtains kinder or even more virtuous simply by crossing the Massachusetts-New Hampshire boundary.\nYou will certainly not be billed by your neighborhood energy for switching over to an energy provider. Some power carriers in New Hampshire might call for a deposit before you start your supply strategy.\nFour electric distribution firms operate in New Hampshire, each offering an equally exclusive franchise territory.\nAround 2010-2011 New Hampshire power decontrolled market took off with low energy prices and also the number of brand-new suppliers servicing the area. Gas has actually become so affordable that number of nuclear power plant began contending fiercely to sell their excess supply. It additionally caused challenging bidding process by seller plants on the energy system, cutting the plants' margins, yet substantially benefiting the end-customers.\nRenewable Resource-- Looking to be extra ecologically aware? Many carriers provide partial or 100% renewable electricity alternatives as well as Renewable Power Certifications (RECs) to homeowners and also little services. While the rates are more than standard electrical resources, the schedule of eco-friendly power has actually driven costs down and can commonly be found for less than the utility's Price-to-Compare for traditional electrical energy.\nNew Hampshire began the process of deregulating their power market in 1996 with a costs that was suggested to the New Hampshire Public Utilities Commission. The recommended bill called for the Public Utilities Payment to develop a strategy for an affordable power market and restructure the present utilities by 1998. The strategy was finished by 1997 and prepared for independent retail electrical power suppliers to start using their services to NH locals.\nNew Hampshire Choose Electricity\nA major question you should consider when making a decision whether to switch power providers in New Hampshire is: \"What will occur to electrical rates?\" This can be a complicated question to address as prices are perpetually in change. In the short-term it's tough to anticipate exactly what will happen to rates, however when considering a longer term image things become a bit a lot more clear.\nCompany and commercial consumers got on board, switching in full pressure, partially because of a heavy discount rates and rewards used by the alternate electric companies to get footing in the state. Residential clients have relocated at much slower rate. By 2012 only 5% of household customers made the button. The primary reason for not switching is residents merely didn't understand they had the option or recognized exactly how they might take advantage of energy deregulation.\nCurrently the New Hampshire deregulated markets have grown. A lot more commercial as well as domestic customers are taking benefit of the reduced prices paid for by the deregulation, reducing their power expenses. Do not delay and also begin going shopping for your ideal electric rate NOW.\nYou might desire to take advantage of your power choice if you're looking to save on your power bill. New Hampshire took on a decontrolled market in 1996 when the state legislature passed RSA 374-F. The act was suggested to urge competition in the energy industry, while guaranteeing clients received the very same trustworthy power distribution solutions provided by electrical companies in New Hampshire. This competition would certainly restructure the power market for both retail and wholesale electricity in The Granite State by dividing energy generation as well as shipment solutions. You might just conserve if you shop for alternative power suppliers in New Hampshire for your residence or company. Enter your ZIP above to see.\nSome may be looking to a much more environmentally friendly sustainable power plan. We do our finest to locate the ideal prices and best eco-friendly power plan for you and also put them at the top of the outcomes page.\nCompare The Gas And Electricity Prices New Hampshire\nCompany as well as commercial customers jumped on board, switching in complete pressure, in part due to a hefty price cuts as well as rewards supplied by the alternative electric companies to get footing in the state. The main reason for not changing is citizens merely didn't know they had the choice or recognized how they could benefit from energy deregulation.\nDon't throw away too much time comparing NH power rates when you ought to be appreciating your day elsewhere. We'll make it very easy for you with our electrical rates for your New Hampshire residence. You no longer require to rely upon energy providers in New Hampshire.\nAs of 2017, the statewide ordinary electrical power price is the sixteenth-lowest rate in the country, based on the most recent federal numbers. Across all markets, Hawaii has the highest electricity price (26.07 cents), as well as Louisiana has the lowest electricity price (7.75 cents).\nCurrently the New Hampshire deregulated markets have actually grown. More industrial and also domestic clients are taking benefit of the lower prices managed by the deregulation, decreasing their energy prices. Do not postpone and also begin shopping for your finest electrical rate NOW.\nAnd there is no reason to presume a multistate service gets kinder or even more virtuous just by going across the Massachusetts-New Hampshire boundary.\nIf you're looking to conserve on your power bill, you might want to take advantage of your power selection. The act was meant to motivate competition in the power market, while making sure clients received the very same dependable energy distribution services provided by electric business in New Hampshire. If you go shopping for alternative energy carriers in New Hampshire for your residence or business, you could just save.\nThere are four electrical utilities that offer all of New Hampshire.\nService as well as industrial customers leapt on board, changing in full force, in part due to a hefty discounts and also rewards supplied by the alternative electrical providers to obtain foothold in the state. The key factor for not switching is residents just didn't understand they had the option or recognized how they could profit from energy deregulation.\nConcord is the capital of New Hampshire with a population of over 42,000 since 2016. Concord has 2 utilities that offer electrical energy to their citizens, Unitil and Eversource Power. Liberty Utilities is the all-natural gas energy of all Concord companies and also residents. The typical electrical energy price in Concord, NH is over 13% much less than the rest of New Hampshire and also 17% much less than the national standard.\nThe city of Concord has had the ability to change energy suppliers because 2003 when the state of New Hampshire first opened its doors to independent retail energy providers. In enhancement to offering you with reputable and also affordable solution, leading energy firms are also looking for new lasting power resources that will simultaneously help the atmosphere and also lower your electrical power expenses.\nThe function of a deregulated energy system is to assist customers conserve money by offering them choices for their energy provider. New Hampshire's state legislature decontrolled the energy market by taking the monopoly away from the local utility firms and also opening up the marketplace up to nationwide, trusted retail distributors. Retail suppliers provide an array of items as well as strategies, such as:\nPerhaps it's as straightforward as needing affordable electric providers to supply prices that defeat the default or equate to solution offered from energies. Perhaps we need to ban competitive distributors from immediately putting clients on a brand-new rate strategy when their initial price offers expire. Or possibly it's time for the Public Utilities Compensation to open an official examination into whether restructuring has benefited our state's electrical clients.\nBased upon the chart above, electrical rates in the UNITED STATE have actually been steadily enhancing over the past decade. Presuming this fad proceeds, the most effective means to safeguard on your own from raising prices is to switch over into a 24-month or 12-month plan and also lock into a reduced rate.\nElectric business understand this and are aiming daily to discover means to minimize their power rates so they can pass the cost savings on to their clients. In addition to providing you with trustworthy and also economical service, leading energy business are additionally looking for new lasting energy sources that will at the same time aid the environment and also minimize your electricity prices.\nThere are 4 electric energies that serve all of New Hampshire.\nNebraska is the only state that generates power entirely by publicly-owned power systems. As of 2017, the statewide ordinary electrical power price is the sixteenth-lowest rate in the country, based on the newest government figures. Across the country, electrical energy expenses 15 percent more than it performs in Nebraska. Throughout all markets, Hawaii has the greatest electricity rate (26.07 cents), and also Louisiana has the lowest electricity rate (7.75 cents).\nCheap Energy Rates New Hampshire\nToday you can shop for lower power prices, more plans and much better customer solution. No matter what you're looking for in an electrical business, Meredith utility service providers are functioning every day to be better at the solutions that matter most to you.\nFor the very first time ever electric business are including a range of power strategies, including strategies that make use of eco-friendly energy such as wind, solar, and also water-generated electrical energy.\nNew Hampshire initially started to deregulate their energy market in the late 1990s. It took some time for retail power suppliers to begin providing their solutions to New Hampshire citizens and companies. Today, New Hampshire citizens have many alternatives to pick from for their electrical energy company. Although many inexpensive carriers are beginning to service New Hampshire, their rates are currently 45% greater than the nationwide average. Commercial electricity rates are available in at 34% greater and the industrial electrical energy prices come in at 76% higher in NH over the national standard. New Hampshire organisations as well as locals are hopeful these costs will certainly fall as more retail power companies enter the market.\nNew Hampshire's utility consumers and also deregulated energy customers will get the very same high degree of solution and also electricity distribution for their homes or businesses. The only difference deregulated energy customers will experience is the rate they pay for their regular monthly energy supply-- this is the rate that you authorized up for with your retail provider.\nThere are four electrical energies that offer all of New Hampshire.\nIf you're wanting to reduce your power bill, you may want to make the most of your power choice. New Hampshire adopted a deregulated market in 1996 when the state legislature passed RSA 374-F. The act was meant to urge competition in the energy industry, while making certain clients received the very same reliable energy shipment solutions offered by electrical companies in New Hampshire. This competition would restructure the power market for both retail and wholesale electricity in The Granite State by dividing power generation and delivery solutions. You might simply save if you go shopping for different energy companies in New Hampshire for your residence or company. Enter your ZIP above to see.\nFour electric circulation companies operate in New Hampshire, each offering an equally special franchise business territory.\nFind Best Electricity Rates In New Hampshire\n4 electrical distribution firms run in New Hampshire, each offering an equally unique franchise business area.", "label": "Yes"}
{"text": "UNITED STATES SECURITIES AND EXCHANGE COMMISSION\nWashington, D.C. 20549\nCURRENT REPORT Pursuant\nto Section 13 OR 15(d) of The\nSecurities Exchange Act of 1934\nDate of Report (date of earliest event reported): September 28, 2021\nSANUWAVE HEALTH INC.\n(Exact Name of Registrant as Specified in its Charter)\n|(State or other jurisdiction of incorporation)||(Commission File Number)||(I.R.S. Employer Identification No.)|\n3360 Martin Farm Road Suite 100,\n|(Address of principal executive offices)||(Zip Code)|\n(Registrant’s telephone number, including area code)\n(Former name or former address, if changed since last report.)\nCheck the appropriate box below if the Form 8-K fi ling is intended to simultaneously satisfy the fi ling obligation of the registrant under any of the following provisions (see General Instruction A.2. below):\n|☐||Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)|\n|☐||Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)|\n|☐||Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))|\n|☐||Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))|\nSecurities registered pursuant to Section 12(b) of the Act:\n|Title of Each Class||Trading Symbol(s)|\nName of each exchange on\n|Common Stock, $0.001 par value||SNWV||OTC|\nIndicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).\nEmerging growth company ☐\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐\n|Item 3.01||Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard, Transfer of Listing|\nIn September 2020, the SEC amended Exchange Act Rule 15c2-11, which primarily governs a broker’s ability to submit or publish quotations for securities that trade on the over-the-counter (OTC) markets. In essence, Rule 15c2-11 prohibits dealers from publishing quotations for OTC securities to quotation mediums without first reviewing certain issuer financial information and ensuring that information is current and publicly available before quoting that security.\nUnder the amended Rule 15c2-11 (the “Amended Rule”), which takes effect on September 28, 2021, current information about an issuer must be publicly available in order for an issuer’s security to become quoted initially, and remain quoted, on one of the public markets (the “OTC Markets”) operated by the OTC Markets Group. According to guidance from the OTC Markets Group, issuers subject to SEC reporting obligations will satisfy the requirements of the Amended Rule if such issuers are current in their SEC reporting obligations in accordance with the provisions of the Amended Rule. Companies that do not make current information publicly available, and thus do not meet the requirements for ongoing quoting, will be shifted to the OTC Markets Group’s “Expert Market.” The Expert Market will be available for unsolicited quotes only, meaning broker-dealers may use the Expert Market to publish unsolicited quotes representing limit orders from retail and institutional investors who are not affiliates or insiders of the issuer. Quotations in Expert Market securities are made available to broker-dealers, institutions, and other sophisticated investors. A company relegated to the Expert Market will be able to reapply for listing on the OTC Markets through the filing of a new Form 211 with FINRA once the Company has made current information available and is in compliance with the Amended Rule. At present, Sanuwave Health Inc. (the “Company”) is not current with its SEC reporting obligations with respect to the Annual Report on Form 10-K for fiscal year 2020 (the “Missed Annual Report”), and the Quarterly Reports on Form 10-Q for the periods ending March 31, 2021 and June 30, 2021 (the “Missed Quarterly Reports,” and together with the Missed Annual Report, the “Missed Filings”).\nThe Company has been preparing and intends to file the Missed Annual Report when our audit of the Company’s annual financial statements for fiscal year 2020 is completed. In addition, the Company has been preparing and intends to file all the Missed Quarterly Reports and the Company will continue working diligently to complete and file the Missed Filings as soon as possible to become current with its SEC reporting obligations. As soon as possible after it has done so, the Company intends to apply for relisting on the OTC Markets through the filing of a new Form 211. The Company cannot guarantee if its stock will continue to be quoted on the OTC Markets after September 28, 2021. Moreover, if the Company is moved to the Expert Market, there is no guarantee that it will be accepted for relisting on the OTC Markets thereafter.\nCautionary Statement Regarding Forward Looking Statements\nThis Current Report on Form 8-K contains certain forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995, as amended, based on our current expectations, estimates and projections about our operations, financial condition, results of operations, and liquidity. Statements containing words such as “may,” “believe,” “anticipate,” “expect,” “intend,” “plan,” “project,” “estimate,” or similar expressions constitute forward-looking statements. These forward-looking statements include, but are not limited to, statements regarding expectations and beliefs about the preparation and filing of Missed Filings and the Company’s listing on OTC Markets. Actual outcomes and results may differ materially from those contemplated by these forward-looking statements as a result of uncertainties, risks, and changes in circumstances, including, but not limited to, risks and uncertainties related to: the Company’s ability to complete and file its Missed Filings; determinations of the OTC Markets Group; and the Company’s ability to locate a market maker to file a Form 211 for the Company in the event the Company is moved to the Expert Market. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect management’s analysis only as of the date hereof. Such forward-looking statements are not guarantees of future performance or results and involve risks and uncertainties that may cause actual performance and results to differ materially from those predicted. Reported results should not be considered an indication of future performance. Except as required by law, the Company undertakes no obligation to publicly release the results of any revision to these forward-looking statements that may be made to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.\nPursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.\n|Sanuwave Health Inc.|\n|Date: September 28, 2021||By||/s/ Kevin A. Richardson, II|\n|Kevin A. Richardson, II|\n|Chief Executive Officer|", "label": "Yes"}
{"text": "Unfortunately there were no properties found for your search. If you would like to widen your search via the radius distance you may find more search results.\nIndustrial property use types in Combe Fishacre\nThere are numerous possible uses for an industrial property to rent in Combe Fishacre. For example, you may be searching for an industrial unit for light manufacturing. Alternatively, you may be searching for an industrial property in Combe Fishacre for use in the car industry. MOVEHUT is here to help, whatever you need from an industrial property.\nA wide selection of light and heavy industrial property to rent in Combe Fishacre\nIf you're planning to rent an industrial property in Combe Fishacre for manufacturing purposes, you should consider if its suitable for your needs. Light industrial units are generally used for assembly purposes or similar production tasks. In contrast, the production of chemicals and textiles would be considered heavy industry. Whatever plans you have for the industrial property to rent in Combe Fishacre, MOVEHUT can help you find the one that's right for you.\nFees and costs applicable to industrial units to rent in Combe Fishacre\nIf you're searching for an industrial property to rent in Combe Fishacre, there are a number of additional costs you should keep in mind. Your industrial property might have variable upkeep costs that you will want to consider when browsing the market. Once you have considered these factors, it's time to get your search for an industrial property to rent in Combe Fishacre under way with MOVEHUT.\nCommercial property use classes and your search for industrial units for rent in Combe Fishacre\nAll commercial properties have their own classification code, which denotes what the property can be used for. When searching for an industrial property to let in Combe Fishacre, establishing that the property carries the right classification will save you significant amounts of time. After you have established the correct classification for your business, let MOVEHUT help match you up with the perfect industrial rental property in Combe Fishacre.\nFind an industrial property to rent in Combe Fishacre that matches your requirements\nIt will be far easier to find the right industrial unit to rent in Combe Fishacre if you are clear about what you require from the property. Obviously, you will have a clear idea about the size of the industrial unit in Combe Fishacre you require, but have you considered issues like access and parking. Once you have an idea of the factors that are important to you, MOVEHUT can help you find the ideal industrial unit to rent in Combe Fishacre.\nThis is the place to begin If you're searching for industrial units to rent in Combe Fishacre\nIf you're searching for an industrial property to rent in Combe Fishacre, MOVEHUT has all the tools you'll need to ensure it runs smoothly. It's easy to narrow your search by price or size in Combe Fishacre. Get your search for an industrial unit to rent in Combe Fishacre started with MOVEHUT, and let our fantastic features provide you with the right results.\nOur tips for industrial unit searches in Combe Fishacre\nWhen searching for industrial units to rent in Combe Fishacre, you'll achieve the best results if you've taken a few factors into consideration. Working out your budget will clearly be a major consideration, and another tip is to consider what type of location would best suit your business. When you're browsing the extensive listings at MOVEHUT, bearing these tips in mind will ensure you find the best industrial unit to rent in Combe Fishacre.", "label": "Yes"}
{"text": "For many years, practically since 2004, it began to follow the electricity market and not only the oil market. I have always been struck by the changes in the planning of electricity sources, first more natural gas, then more wind, and then more solar. It did not generate much noise because as demand grew, existing sources did not have to be removed, only coal… well, something more complex but worth the simplification. The issue was always that in order to achieve the objectives of new sources, the source that was to be strengthened was subsidized or encouraged, either through regulated remuneration for investments in networks or through payment at a regulated price for the new renewable electricity that was later charged. as a deficit of the electrical system, so that consumers do not pay in cash the super price that investments in renewables received to encourage their construction.\nBut since the great financial crisis, the scenario has changed: electricity demand is not growing, but the planes do assume that it will continue to grow in order to increase the demand generated with more renewables. Since then I have not believed any plan, but now we also have to assume that a source disappears, nuclear, which accounts for 20% of current electricity generation, which is decarbonized energy. And, furthermore, the investment for the plan will be private money at risk (as if oil accumulates and there is no electricity).\nThus, the new National Integrated Energy and Climate Plan (PNIEC) has just appeared, which, like a car (well with less exact calculations), has undergone a ‘restyling’ in 2023 compared to the old 2020 model. This new This version is even more daring, to use a somewhat positive adjective, and aiming to reach a goal of 81% generation with renewable energy by 2030, compared to the previous 76%, and a reduction in emissions of 32% compared to 1990, puts a stop to the goal of the 24% of the previous plane.\nThese objectives of the Plan are based on an environment of such uncertainty that it is better not to have touched them. They raise them after a year in which all the existing remuneration systems for electricity generators have changed, which not only do not have a stable regulatory framework, but also know that the current one is going to change and that they cannot calculate how much to invest. After a year in which instead of importing electricity from France we export it, and in a year or in which it has become clear that there may be problems of security of supply; that we cannot have access to the Chinese materials necessary for renewables or at what price we will have them. One more uncertainty, technologies were introduced that have not been developed or tested on a large scale, such as non-hydraulic storage (batteries), but can this then wait for a National Plan? It would not be better to consider it a voluntaristic writing of the type “I would like to… European champion”.\nThere is no cost-benefit analysis, nor less expensive or viable alternatives that justify the Plan. The Cost-Benefit Analysis is conspicuous by its absence, it is intended that in seven years 290,000 million will be invested, 53,000 million more than what was foreseen in the previous plan, with this an additional reduction of 27 MTCO2 would be achieved (that is, the cost of reducing emissions is from some doctors €196/tCO2). Of course, it does not point out how this cost could be reduced if the nuclear plants are not closed, nor why “amazing” growth in demand for electrical energy continues to occur for using the terminology of Artificial Intelligence when it does not surprise with some answer that seems nonsense to us. , and in this way ask that more money be spent to achieve nothing profitable\nBut it is that the Plan is not wasted, thus it indicates that the generation in central bus will grow at 6% and the final demand at 1%. For this, the renewable power has been reached by 30% compared to the previous plan, although the demand has been slightly revised downwards.\nIn order for this increase in renewable generation to be possible in the Plan, demands that are unlikely must be sought: first, export 40,000 GWh mainly to France in 2030, 5 times the current export! but what’s the point? If we do not know if they are going to need it; and second, so that you invest in something you don’t need. In addition to the French, it is necessary to double the consumption of electricity consumed in energy transformation, this means that by 2030 there will be large hydrogen generating plants, which is super optimistic to say the least.\nBut it is that even if we were to assume that we are Quixotes and that we invest with low rates of return in renewables to export to the French and Portuguese industries, we need to have the infrastructures, which are impossible to have in 7 years and which are also very expensive. let them visualize it; the current plan of the old Red Eléctrica (now Redeia) only goes up to 2026, and does not cover the needs of the PNIEC in various aspects. The first in international connections. While the Plan is calculated with an 8 GW interconnection, the projects that are on the table would only reach 5 GW, while currently only 2.8 GW are in operation.\nAnother of the aspects that the network has to solve are the so-called discharges, which is the electricity that has to be “thrown away” because there is not enough demand. With the current network, reaching 89 GW of renewables in 2026 would produce some 15% discharges, although the development of the network hopes to reduce that amount to 4%. However, if it is intended to reach 160 GW of renewables in 2030, the development of the grid has to go in parallel, at the risk of having to throw away most of the energy that is generated.\nSome will think that in order not to have surplus energy, energy storage has increased in the PNIEC, but we find ourselves with two problems: the first one is about regulation, given that some projects can take years to obtain the pertinent permits (for example, example, pumping facilities); the second problem would be technological, given the lack of maturity of other technologies such as large batteries.\nAnother of the shadows that appears in the plan is the fleet of electric vehicles, which the PNIEC quantifies at 5.5 million in 2030, although of course that figure does not include only passenger cars, but also motorcycles, buses, etc. To get an idea of the magnitude, 2022 closed with a fleet of vehicles with the ‘zero’ label of 0.25 million. It is clear because they talk about very important deductions in personal income tax, but come on, it doesn’t even seem possible.\nLastly, he pointed out that, in an environment of rising financing costs, assuming that massive investment is going to be made in currently unprofitable options is, to say the least, imaginative. But anyway, you understand me, a Plan is a Plan and “to a good understanding…”", "label": "Yes"}
{"text": "And that lender is perfect to you personally?\n- Compare Banks\n- PNC Vs Sallie Mae\n- Monetary Cost: dos.5\n- Customer support: 5.0\n- Web site Experience: 4.0\nOpening PNCs Digital Purse levels secure competitive interest rates. This can include around three certain profile: the new Spend, Reserve, and Gains accounts. The fresh new Purchase membership can be your bank account to possess informal using. The Set-aside account are a preliminary-term checking account. It’s overdraft coverage for the Invest account. The growth membership is for extended-term needs, eg a deposit, vehicles, otherwise travel. Virtual Wallet account give rates of interest which might be just like almost every other on the internet profile. You should hook these account together to earn aggressive pricing.\nSpecific Progress offers membership give some high pricing which have Relationship Costs. You should meet the requirements to make the relationship Rates. So you’re able to qualify, you’ll want a set count myself transferred into the Purchase membership. And make four debit purchases also qualifies you. Brand new amounts of lead places cover anything from $five-hundred to help you $5,000 with respect to the membership. For many who be considered, your finances usually earn even higher rates.\nPNC has the benefit of is the reason college students. Having research you’re enrolled in college or university, brand new fee every month was waived. That it account also provides a great debit card an internet-based and you will mobile banking. A similar attributes of Digital Bag are for sale to the school membership. Moms and dads is join found aware messages when stability was reduced otherwise overdrawn. Certain universities offer most other benefits toward account. Particularly, one to school enables you to make use of your student ID credit once the a beneficial PNC Automatic teller machine card.\nPNC even offers smaller than average industrial team account. Checking, deals, and money markets accounts come. Expenses shell out, secluded see dumps, and online payroll is attributes given.\nPNC simple membership rates was lowest. To make the brand new aggressive cost to the Digital Purse profile, you need to meet up with the set requirement. For individuals who discover a basic membership or do not meet up with the requirements, interest rates are low. To earn new aggressive pricing, be sure you discover just the right profile and be considered.\nVery PNC accounts has a monthly fee. This new charge may include $5 so you can $twenty-five with respect to the membership. It is possible to waive the fresh charge. That have an appartment amount from the membership or even in qualifying PNC profile tend to waive the new charges. Direct places regarding a-flat amount or you are 62 years or old have a tendency to waive certain charge. By , PNC financing and you will financing balance aren’t included to help you waive monthly charge.\nNew amounts expected to have within the PNC account so you can waive https://onlineloanslouisiana.net/ this new monthly fees are highest. The money industry membership requires $5,100 to avoid the latest monthly fee. Digital Handbag profile need $five-hundred to help you $5,100 to waive the fee otherwise $10,one hundred thousand to $25,one hundred thousand around the all the PNC deposit profile. Immediately following , finance and you may investment balance will no longer matter to your the entire amount to waive charge. Its important family savings merely requires $three hundred so you can waive month-to-month charges.\nPeople need discover PNC Cds within a branch place. Really PNC Cds required $step 1,one hundred thousand to open up. The Dvds having terms of seven to help you 89 days need $5,one hundred thousand to open. PNC provides department urban centers inside the 19 states together with Region regarding Columbia.\nPNC Versus Sallie Mae\nTo obtain the money back advantages you have got to meet requirements. You need to hook an effective UPromise Objective Saver Membership to your UPromise Advantages Account. You ought to and additionally possibly enjoys $5,100000 on the account otherwise generate ten places into the earliest 3 months. You get ten% of the sum of money transferred from your Rewards membership so you’re able to your goal Saver account. For many who meet the requirements, you earn an annual extra out-of $10 the original 24 months and you can a commitment bonus of $100 the next 12 months.\nNew higher give family savings and money markets accounts don’t have month-to-month charge. There is no requisite amount to unlock this type of account. They give competitive rates of interest, and there is no called for monthly balance.\nSallie Mae try a college funding lender. They provide beginner and private financing. A number of the more funds tend to be student financing, mother financing, MBA fund, dental care or scientific school financing, medical abode financing, pub studies fund, or scholar student education loans. Sallie Mae now offers a personal loan to help combine the debt, pay for biggest costs, otherwise lives situations.\nThe attention costs on the Sallie Mae Dvds are extremely greater than other banks. Cds assortment in name out-of six months to 5 years. The 5 year Computer game offers the best interest speed, nevertheless most other terms remain much better than other banking institutions.\nTo start a beneficial Computer game which have Sallie Mae bank, the required beginning balance are $dos,500. The eye prices towards the Cds are a lot greater than most other financial institutions.\nTo make attention towards the Sallie Mae Dvds, you need to keep at the very least $dos,500 on the Dvds whatsoever time. If the balance falls lower than one to amount, you will not secure notice. Sallie Mae Cds render rates that will be more higher than almost every other banking institutions as well as most other online banks.\nSallie Mae will not give a bank account. This really is a college discounts lender. They actually do bring different deals levels so you’re able to get ready for college or university. Sallie Mae also offers some other money to assist pay for school, but no examining membership.\nAs with any financing, the interest cost is actually highest. Be aware of the other installment preparations, rates, and in case there was a charge for paying the loan out of early. High-interest rates mean you could end up purchasing almost $nine,000 when you look at the attract toward a good $ten,000 financing.", "label": "Yes"}
{"text": "The Annual LAPO Development Forum is an annual symposium that stimulates investigations into the nature and causes of poverty. The Forum provides a veritable platform for stakeholders to discuss and proffer pragmatic solutions to identified issues in poverty and development. Initiated in 1994 by the Founder of LAPO, Dr. Godwin Eseiwi Ehigiamusoe, the Forum has become a faculty of development in its own right. Over the years, the annual conferencing has stirred vibrant discourse on the development agenda in Nigeria and Africa with very realistic solutions canvassed by guest lecturers and conferees.\nThe theme of the first edition of the Annual LAPO Development Forum held in 1994 was “The Nigerian Economy and the Poor: 1984-1994”. Discussions and conclusions at this session reinforced our belief that sustainable approach to poverty alleviation must go beyond charity and directed at strengthening the income capacity of the poor. Subsequent editions of the Forum addressed pertinent issues.\nHis Excellency, Gen. (Dr) Yakubu Gowon, GCFR, former Head of State and Commander-In-Chief of the Armed Forces, Federal Republic of Nigeria chaired the 2015, 22nd edition of the LAPO Forum with the theme: Women Entrepreneurship Development: Issues, Opportunities and Approaches.\nACHIEVEMENTS OF THE ANNUAL LAPO DEVELOPMENT FORUM\nThe Annual LAPO Development Forum has over the years provided stakeholders the needed platform to interact and proffer realistic solutions to the crucial problem of poverty and under-development in Nigeria\nIdeas generated from previous editions of the Forum have improved the programme focus and delivery methodology of development organizations including LAPO.\nKey resolutions at Annual LAPO Development Forums have inputted into national poverty reduction programmes of various tiers of government.\nTHE 2016 LAPO ANNUAL DEVELOPMENT FORUM ISSUES OF CONCERN\nFood insecurity is becoming a critical issue in Nigeria. Over the years, our agricultural development has been on a downward spiral. World Bank data reveals that about 90 percent of Nigeria’s agricultural output comes from inefficient small farms. Most farmers cannot even produce enough food to feed their own families. UNICEF statistics says that about 65 percent of our population is ‘food insecure’\nThis negative trend is attributable to genera apathy, the discovery and total reliance on crude oil; and the after effects of the civil war of the late 60’s. In addition to the local political problems, intensive agricultural research and delivery systems have been disappointingly low in Nigeria when compared to the strings of successes being recorded in some Asian and Latin American countries. Several government initiatives and programmes aimed at improving food production and security in Nigeria have failed to yield the desired result. Most of these programmes have served as conduit pipes for government officials to syphon public funds and stash them away in foreign countries. Various government agricultural programmes targeted at the poor farmers have not brought about the much trumpeted agricultural revolution. Clearly, Nigeria is at the brink of food crisis.\nFood Security and Sustainable Agriculture in Nigeria: Challenges and Opportunities.\nDATE: Tuesday, October 18, 2016\nVENUE: Shehu Musa Yar’Adua International Conference Centre, Central Area, Abuja, Nigeria\nREGISTRATION: 8:00am prompt.\nTECHNICAL SESSION: 10.00am\nEXHIBITIONS: All Day Long\nThis year, Former President Olusegun Obasanjo, GCFR, will lead discussions at the Forum as the Keynote Speaker. Dr. Nteranya Sanginga, the Director-General, International Institute of Tropical Agriculture (IITA) and Prof. Valentine Aletor, former Vice-Chancellor, Elizade University will speak on “Enhancing Youth Employment Through Agricultural Development” and “Agriculture, Women Empowerment and Food Security, respectively.\nThe Honourable Minister of Agriculture and Rural Development, Chief Audu Ogbeh shall be Special Guest of Honour. Development partners, policy makers, academia, and leading civil society organizations shall make meaningful contributions with inputs from key sectors of the economy. Development partners, policy makers, academia, and leading civil society organizations shall make meaningful contributions with inputs from key sectors of the economy.\nThe main objectives of the 23rd Annual LAPO Annual Development Forum are:\nIncrease knowledge on food security and sustainable agriculture in Nigeria\nProvide farmers and agro-business owners with access to funding opportunities\nProvide opportunities for entrepreneurs, development partners, academia, policy makers and all relevant stakeholders to interact on a sustainable agriculture in Nigeria.\nProvide information on youth employment opportunities in Nigeria\nThe end-product of the Forum would be a documented report containing presentations of speakers, summary of discussions, major conclusions and recommendations, which can provide a road map for arming farmers with the required information and skills to strengthen their competitiveness.\nEnhance implementation of existing policies\n- Jonathan to speak at Lift Above Poverty event in Abuja October 21, 2021\n- LAPO Boosts Rural Agriculture, Supports Farmers With N11bn October 5, 2021\n- LAPO Improves Health Conditions Of 22 Million Community Members October 5, 2021\n- Jonathan, Ehanire, Adeleye To Speak At LAPO Dev Forum September 28, 2021\n- LAPO Tasks Agency On Improved Health Services in Edo September 28, 2021", "label": "Yes"}
{"text": "SAN FRANCISCO (MarketWatch)—The majority of taxpayers can celebrate the provisions of the fiscal-cliff bill passed by Congress on Tuesday, at least with regard to tax law: the continuation of the income-tax rates they’ve enjoyed for a decade, certainty with regard to the alternative minimum tax, and the extension of a number of popular tax breaks.\nThe bad news: Congress is heading for a showdown over the government spending limit, and the fiscal-cliff deal approved by the Senate does little to address that problem. The federal government hit its borrowing limit on New Year’s Eve. The Treasury Department can finagle its borrowing and spending so that it stays under the cap for about two more months. But any drawn-out fight in Congress over raising the debt ceiling bodes ill for the economy.\nThere’s some bad news in the fiscal-cliff bill from a tax perspective, too: The payroll tax cut is gone, meaning smaller paychecks in 2013. That tax break, in effect in 2011 and 2012, reduced the Social Security tax rate workers pay to 4.2%. The resumption of the regular 6.2% rate means about $1,000 less in pay this year for people making $50,000.\nAnd, wealthy taxpayers may rue the steeper income-tax and capital-gains and dividend rates they face, plus a reduction in their ability to claim deductions and credits.\nBut a slew of expiring tax breaks—including a child tax credit worth up to $1,000 and the American Opportunity tax credit, worth as much as $2,500 for qualified college expenses—will be available for five more years once President Barack Obama signs the bill into law, as expected.\nPlus, unemployed workers who receive emergency federal unemployment benefits will continue to get their checks. If Congress hadn’t reached a fiscal-cliff deal, those benefits would have ended this month.\nAnd there’s the relief of certainty regarding the alternative minimum tax: The bill offers up a permanent, inflation-adjusted exemption amount for this parallel tax system ($78,750 for married filing jointly filers and $50,600 for single filers for the 2012 tax year).\nFor years, Congress has enacted a temporary patch to the AMT exemption amount, because the original law didn’t index that figure to inflation. As incomes rose and the exemption amount stayed stagnant, a growing number of middle-income taxpayers faced the AMT, which was originally enacted to make sure wealthy taxpayers didn’t avoid paying income tax (the AMT prohibits most deductions and credits). An estimated 28 million more taxpayers would have been added to the AMT rolls for 2012 if Congress didn’t provide this patch.\n“It’s a big deal for tax planning,” said John W. Roth, a senior federal tax analyst with CCH Inc., a Riverwoods, Ill.-based tax publisher and unit of Wolters Kluwer.\nThe move to a permanent fix “recognizes the fact that the purpose of the AMT when it was first passed years ago was to make sure the ultrawealthy paid at least something,” Roth said. “But it started sucking up more of the middle class. Congress recognizes it can’t keep doing this patch.”\nA new top tax rate\nUnder the fiscal-cliff bill, wealthy taxpayers face higher income-tax rates plus limits on their deductions and credits. Married couples face the resumption of the 39.6% top tax rate on taxable income above $450,000, as do single filers with taxable income above $400,000 and head-of-household filers above $425,000.\nEssentially, the bill maintains the 2012 income-tax rates of 10%, 15%, 25%, 28%, 33% and 35%, but then adds back in the top rate of 39.6% for wealthy taxpayers.\nThe tax rate on capital gains and dividends will rise for those wealthy taxpayers, to 20% from 15% currently. And married couples with adjusted gross income of more than $300,000 ($250,000 for single filers and $275,000 for head-of-household filers) face a phaseout of their deductions and personal exemptions.\nAlmost all of the bill’s tax increases are paid by taxpayers in the top 0.7% of income, according to an analysis by the Tax Policy Center. Read the center’s TaxVox blog here.\nMost taxpayers who make $1 million or more in income face a tax increase compared with their 2012 tax bill, and that increase averages about $125,000, according to the Tax Policy Center.\nAlso, about 75% of people who make between $500,000 and $1 million would pay about $10,000 more in taxes, on average, in 2013, according to the Center. But those taxpayers would have faced an even bigger bill had the Bush-era tax laws expired.\nUnder the fiscal-cliff deal, estates up to $5 million will be excluded from tax, while those valued above that amount face a 40% rate. Had the fiscal-cliff law not been enacted, the estate tax exclusion would have reverted to $1 million and a 55% rate. In 2012, the exclusion was $5 million and the rate was 35%.\nPopular tax breaks\nThe bill extends the tax break for homeowners who have had their mortgage-loan balance forgiven. Generally, forgiven debt is considered taxable income. But during the economic downturn, Congress enacted a law excluding from that rule mortgage debt on a principal residence. That tax break for struggling homeowners is extended for a year.\nAlso, the bill would extend for a year the ability to deduct as interest mortgage-insurance premiums paid for a principal residence, Roth said.\nThe bill also extends valuable college-tuition tax breaks. For example, the American Opportunity tax credit, worth up to $2,500 for qualified expenses and partially refundable, continues to be available through 2017. The child tax credit also is extended for five years.\nCharity-minded retirees will once again be able to turn minimum required IRA distributions into tax-free payments to the charity of their choice.\nTaxpayers again will be able to choose to deduct state and local sales taxes, and teachers can continue to deduct what they pay for classroom materials.\nIt’s unclear to what degree the tax-law uncertainty up until this point might delay the tax-filing season.\nCurrently, some lines on the Form 1040 for 2012 are labeled “Reserved,” rather than detailing a precise tax break. For example, in previous years Line 23 referred to the deduction for teachers’ classroom materials, and Line 34 referred to the college tuition deduction.\nThis year, both say “Reserved,” because under current law those tax breaks expire at the end of 2012, and it hasn’t been clear until now whether those provisions will get extended. See a PDF of the current Form 1040.\nA tax form with “reserved” on it is highly unusual, said Roth, who said he spoke to several other tax experts about it.\n“Nobody can recall the IRS ever releasing a final form with a ‘reserved’ line,” he said. “I think we are going to see some delays in filing season, and unfortunately there will be an impact, especially on early filers,” he said.\n“If you like to file an extension,” Roth added, “you won’t feel an impact at all.”", "label": "Yes"}
{"text": "BAE looks to dominate U.S. and UK anti-terror sectors\nBAE Systems is set to open a new front in counter surveillance, as it seeks U.S. acquisitions to bolster its presence in the homeland security market.\nBAE, which now has 59 per cent of group sales in the U.S., wants to augment its position in the security market following last June's £500m acquisition of British-based internet security firm Detica.\nChief executive Ian King reckons the counter-terror security business will be a key driver of growth in the coming years, both at home and in the US.\nKing said: 'Any acquisitions, I think, would be in the US.'\nOn target: BAE's pretax profits doubled in 2008, and now it is looking to counter-terror security to build on its current success\nDetica supplies government agencies with intelligence on known and suspected bad guys. It can provide a 'digital footprint' of suspects, detailing their movements and habits by tracking things such as spending, travel, and mobile phone records.\nIt also had a financial consultancy arm that advises banks and investment houses, but BAE has just closed that down resulting in 85 redundancies.\nBAE (up 133/4p at 400p) said pretax profits in 2008 almost doubled to £2.37bn from £1.23bn a year earlier. The group was boosted by the stronger dollar and robust performances from its land vehicles division, which reported an 81 per cent increase in annual earnings, and its electronic warfare arm, which was up 18 per cent. The annual dividend rises 13 per cent to 14.5p.\nKing believes U.S. president Barack Obama's plan to send 17,000 more troops to fight the Taliban in Afghanistan will boost the group's already massive order book, up to £46.5bn from £38.6bn previously, with orders for new armoured vehicles.\nBAE is currently bidding for a potentially lucrative contract to supply a minimum of 2,100 mine-resistant vehicles that are lighter and more manoeuverable than the current kit in order to cope with the more mountainous terrain-of Afghanistan. King added: 'We don't think Obama is going to do anything precipitous - just look at the people he has surrounded himself with.'\nHe believes the reappointment of defence secretary Robert Gates is a key indication that the new president doesn't intend to change much.\nBAE is still under investigation by the US Department of Justice (DoJ) over claims it bribed Saudi officials for contracts, and by Britain's Serious Fraud Office, which is probing allegations of bribery in four other countries.\nAsked whether he had heard anything more from the DoJ or other investigating authorities, King said: 'No, but we continue to support their investigations.'\nMost watched Money videos\n- Skoda advert for the latest version of its bestselling Octavia\n- Thames Water gives tips for saving water as heatwave comes back\n- 'Become an Avios Master and save money?' British Airways explains\n- Aston Martin's Cygnet city car with a 430bhp V8 engine\n- Hyundai advert for the latest generation of its i10 city car\n- Investing Show: How to find the best companies to invest in\n- Big Money Questions: What's the best way to give to charity?\n- What is happening to house prices and the property market\n- Honda's new CR-V in action\n- Big Money Questions: Alex Denny explains investment trusts\n- Why do women invest less then men?\n- Pension guide specialists help people to understand their options", "label": "Yes"}
{"text": "To Buy or Not to Buy\nThe decision whether to buy or rent a home may have long-term implications.\nHave A Question About This Topic?\nA four-step framework for building a personal legacy.\nThree important factors when it comes to your financial life.\nEmotional biases can adversely impact financial decision making. Here’s a few to be mindful of.", "label": "Yes"}
{"text": "In a time when online casinos are more popular than ever, players are looking for the safest and easiest ways to place bets. And as people now realize, using Bitcoin and other cryptocurrencies might be the best solution for any problem.\nThe steadily growing number of Bitcoin US casinos serves to show that people trust this payment option – and with good reason. There are a lot of perks that accompany the use of cryptocurrencies at the casino, but not all players are well aware of that.\nWhy are people attracted to Bitcoin casinos? And what other digital currencies will you be able to use in online casinos 2021? Find out the answers NOW!\nWhy Use Cryptocurrencies?\nThere are many reasons why cryptocurrencies are such a beloved payment method:\nIt’s straightforward and more accessible– When you use most payment options, you must go through a third party, often pay an additional fee, and wait for about a week for the transaction to be approved. All of that is void if you use Bitcoin or currencies of that sort. Block-chain tech allows you to make direct transactions to the casino, avoiding unnecessary inconveniences.\nIt’s safe – Every Bitcoin transaction is encrypted, therefore, it’s one of the most secure ways to place bets. The transactions you make are immediately recorded in an online log, and no-one can change or tamper with it, so it’s not an easy target for hackers and scammers.\nYou can protect your personal info – Another major perk that draws people to cryptocurrencies is the ability to make anonymous transactions. While casinos do require ID verification, your bank account won’t be directly connected to your casino account. That can further protect your banking info and provide you with a secure betting environment.\nPlenty of special casino offers – Many modern casinos, in an attempt to promote the use of this safe transaction method, host special cryptocurrency promotions. In many cases, you will get cashback bonuses or discounts if you complete a Bitcoin withdrawal, which is always a nice perk.\nCryptocurrencies Are on The Rise\nThe cryptocurrency market undergoes changes every single day. The value of every currency changes in the blink of an eye, and it is important to know which is the safest type of coin you can use.\nBitcoin is the first cryptocurrency to appear on the market, which also makes it the most widespread. Over the years, its value reached phenomenal heights – and some crushing lows. At the end of 2017, Bitcoin was worth $19,783.06 – a rise of 1,824% since the beginning of the same year. However, soon after that, the coin’s value crashed, reaching a value of $3,300 by December 2018. And yet, it was still the most powerful digital currency out there.\nEven though the value of this cryptocurrency has fluctuated quite a bit in the past, it has been rather stable in the past two years. At this moment in time, Bitcoin is worth about $11,000-$13,000. Many casinos focus on Bitcoin users, which makes it a rather popular payment options among online players.\nEthereum first appeared online in mid-2015, and it is the most popular cryptocurrency except for BTC. At the beginning of October 2020, it was worth a bit over $100, but its value rose to $400-$500 and it remained steady for months.\nWhile it is not as renowned as Bitcoin, many casinos accept this currency, and you won’t have any issue with placing bets or withdrawing your wins.\nLitecoin is another popular cryptocurrency many online casinos accept. This currency was one of the first Bitcoin alternatives to appear on the market, and although its value isn’t very high – as it is worth about $55 – it is highly accessible and easy to use.\nCasino Bitcoin transactions have become more and more popular, as there are a lot of perks to using this modern payment options. Many gambling venues are adjusting to the new reality where digital currencies are commonly used, and players can certainly benefit from that!", "label": "Yes"}
{"text": "We've been trusted by thousands of customers for mortgages since 2013.\nThe Independent review organisation Reviews.co.uk report that 100% of reviewers recommend Lending Expert\nWe’re mortgage experts. This means we know our stuff when it comes to all types of mortgages. We know where the best rates are and have access to exclusive deals just for Lending Expert customers.\nWe’re not tied to one lender which means we can search the wider market to find you the cheapest mortgages from across the UK.\nLending Expert is an FCA regulated credit broker which means you can be assured you are dealing with a legitimate and reputable finance company.\nIf you have bad credit or have previously been refused a mortgage we can consider your application. Whatever your circumstances please get in touch and we'll do our best to help find you the perfect mortgage deal.\nA 70% Loan to Value (LTV) Mortgage means that you will be borrowing 70% of your home’s value whilst the other 30% you will need to provide as a deposit.\nProviding a 30% deposit will broaden the range of mortgages available. However, a 30% deposit is not within budget for all those looking to buy, and it may take time to save up for such an amount. However, 70% mortgages, if affordable, could be a great option for first-time buyers, remortgages or even those looking to buy a second property or investment property.\nTypically, a higher deposit gives you lower interest rates meaning that in the long-term, your mortgage is far more affordable. A 70% LTV mortgage is at the lower-mid end of LTV values. Lending Expert can help you explore a range of different mortgages ranging through 65%, 70% and 75%.\nBefore taking out a 70% mortgage, it is important to discuss your objectives with your mortgage advisor to ensure that the chosen mortgage meets your requirements.\nLending Expert is a mortgage broker and can compare over 1,000 70% mortgage deals across the UK. Whilst high street banks will typically offer 70% mortgages too, we can help find the best option for you, with rates from 1.39% per month, whether you are looking for interest only, fixed, variable, tracker or have a bad credit history.\nStart by clicking on ‘Check my Eligibility’ below and enter some basic details about you and your property, and Lending Expert will help you find the best 70% mortgage according to your requirements.\nYou are eligible for a 70% mortgage if you are able to put down a deposit of 30% of the property value.\nLarger deposits will usually result in paying lower rates overall, since you have paid off and own more of the property. Putting down a higher deposit may also be a requirement for those individuals with limited financial records or weaker credit ratings.\nAdditional eligibility criteria for a 70% LTV mortgage can include:\nGetting a 70% mortgage means that you will borrow 70% of your property’s value from your lender and the other 30% you will give as a deposit.\nYou will also be able to get a 70% mortgage if you already have 30% equity in your property.\nThe deals for a 70% mortgage tend to be better as you have to borrow less money meaning interest rates can be lower. Use Lending Expert as your mortgage broker to find the best deal for your circumstances.\nWorking with a mortgage broker such as Lending Expert will help you find the best mortgage to suit your circumstances, without impacting your credit rating.\nContact us today to speak to an expert and start comparing 70% LTV mortgages!\nThere are many benefits to getting a 70% LTV mortgage instead of a higher percentage mortgage. These benefits include:\nAs 70% mortgages involve a higher initial deposit, this opens up the types of mortgages available to you.\nYou will most likely be choosing from a number of mortgage types including:\nTypically, to be able to afford a 30% deposit, it would follow that you already have a good credit rating. However, Lending Expert can help you find out your options in the case that you have bad credit or a lower credit score.\nUsing Lending Expert as your mortgage broker will allow you to get the best deal for your financial circumstances, whether that be a 70% mortgage or otherwise!\nThere are a few simple factors that can help improve your chances of getting a mortgage if you are using the 70% scheme:\nWe proudly offer 70% mortgages across the entire UK, including Birmingham, Brighton, Bristol, Cardiff, Edinburgh, Glasgow, Leeds, Liverpool, London, Manchester, Nottingham, Newcastle, Sheffield and more.\nWorking with a number of high street banks and specialist mortgage lenders, Lending Expert has access to over 1,000 mortgage deals available. We’re in the perfect position to help you find the best rates and get approved,\nOur eligibility checker is completely free to use and can provide an indicative quote, with no obligation.\nFounded in 2013, we have years of experience working in the secured loan and mortgage market and have helped thousands of customers to date. Our values have always been to find the right product for the right individual at the competitive rate. We are pleased to offer our services for you today!\nCompare mortgages across the market with our expert advisors.\nGet a mortgage with just a 5% deposit. Compare and get expert advisors online today.\nMortgages that require a 10% deposit at 90% loan to value. Expert mortgage comparison service and advice.\nCompare mortgage rates at 85% LTV. Get expert advice from our no fees brokers.\nCompare rates from 80% mortgages that require a 20% deposit. Get expert advice from our no fees brokers.\nSearch and compare mortgage rates from across the market.\nGet expert mortgage advice and comparison service from our approved mortgage advisors.", "label": "Yes"}
{"text": "Currently, the public sector tends to procure goods and services on a fixed priced basis. As inflation continues to rise and organisations grapple with significantly higher costs than anticipated, there are certain ways procurement processes may need to change to best manage and support suppliers in the changing economy and ensure a competitive procurement process, to secure best value across the life of the contract.\nFor public sector organisations, the benefit of fixed pricing has always been to provide cost certainty, meaning that the cost of the goods or services remained within the contracting authority’s allocated budgets and approvals.\nHowever, fixed pricing is challenging for suppliers to provide in the current market. Indeed, it may be difficult for a supplier to properly estimate the cost of the goods or services across the whole contract period, and many may be reluctant to do so with further price rises in the back of their minds.\nIf fixed pricing remains a hallmark of public sector tenders, there are a few potential responses that bidders may submit, and each one bears its own risk to both parties.\nStarting with more cautious bidders, these suppliers are most likely to incorporate the risk of fluctuating prices within their costs. Since the risk is largely unknown, that risk allowance is likely to add a significant margin to the price. While this could result in the buyer paying an artificially inflated price for the product, it could also result in the bidder losing the tender because of the approach to pricing, even if they have otherwise scored highly on quality.\nAt the other end of the spectrum, there are bidders who may not price risk into quotations at all. These bidders will either be gambling on a fall in future prices or hoping to persuade the authority to then vary the contract later, once the risk materialises.\nThe risks for both the supplier and buyer in this circumstance could be significant. For the supplier, this approach could make the actual cost of providing the goods or services too high to fulfil the contract at the tendered price. To try and salvage their bottom line, they might cut corners on service delivery which could impact public services and delivery of community benefits. It could also add management time on the behalf of the public sector body in order to ensure the contract is fulfilled as required. There is also the knock-on effect down the supply chain to consider as smaller suppliers are squeezed.\nIn more severe circumstances, particularly where the public sector is a large portion of the company’s income, it could force the supplier to cease trading, as their profit margin disappears. Supplier insolvency will have a significant impact on the purchasing authority, and delivery of public services, also causing a ripple effect through the supply chain. Taking this risk-hungry approach leaves much to wishful thinking on costs which is not beneficial to either party.\nIf the authority is procuring a framework agreement, it should beware of the risk of \"bed-blockers\" who price keenly to secure a place on the framework, but are unable to bid at the call-off stage, when the true cost risk is known. This could result in the process becoming uncompetitive at call off stage and affect the authority's ability to achieve value for money.\nA final consideration is a “nil return at tender”, where some or all of those in the market deem the contract simply too risky or unprofitable to submit a bid. This would leave the authority with the possibility of having to retender, with knock-on cost and time implications, during a time when costs are rising further.\nWhile fixed pricing in the current market brings clear risks for the specific contract, the approach could also have longer-term impacts on the public sector marketplace.\nThinking in extremes, businesses could shut up shop, or withdraw from the public sector market altogether, severely impacting long-term competition in the future. This is of particular concern since the public sector has a responsibility to transact fairly with bidders in order to preserve a competitive market.\nAn important way for authorities to ensure they are transacting fairly is to understand the context of the market they are purchasing in. Inflation is not homogenous – certain materials and sectors are under more pressure than others. If the authority understands where suppliers are most under pressure, it can help to set realistic project budgets and ensure affordability through benchmarking exercises.\nAuthorities are recommended to carry out a thorough pre-market engagement process, within the scope of the procurement regulations. Failing to do this might lead to unaffordable bids being returned with the authority either having to abandon the project or seek approval for additional budget, leading to further delay, during which time costs will have risen further.\nMarket knowledge gained through the pre-market engagement must be reflected in the tender process and the resulting contract documentation. Authorities should consider their pricing requirements, their evaluation mechanism, the length of the contract, as well as their terms and conditions of tendering. This will ensure an appropriate risk allocation between the public and private sector, making it an attractive opportunity for the private sector and preserving healthy competition.\nPublic sector organisations should also consider the impacts of unanticipated rises mid-contract. If it is considered appropriate, authorities can draft in provisions for price changes, such as adding in a price adjustment or a risk sharing provision to the contract. Authorities should remember that any review clauses have to be written in a \"clear, precise and unequivocal\" way, so as to comply with the requirements of the procurement regulations. Doing so should support suppliers in providing the most competitive response possible but also protect the authority by clearly setting out the parameters for any future changes.\nInflation has risen at pace and continues to climb. It is critical for public sector organisations to consider rising costs as part of their procurement processes, both to ensure a competitive tendering process, but also to provide a fair risk allocation between the public and private sectors.\nThe content of this webpage is for information only and is not intended to be construed as legal advice and should not be treated as a substitute for specific advice. Morton Fraser LLP accepts no responsibility for the content of any third party website to which this webpage refers. Morton Fraser LLP is authorised and regulated by the Financial Conduct Authority.", "label": "Yes"}
{"text": "Staying in a bunk bed in a shared dormitory in Dublin over St Patrick’s weekend will cost €1,100 if you book it now.\nIf you don't want to share with seven strangers, then three nights in a hotel in the city centre for two people is almost €1,900 and a hotel in the west of the city will cost €1,200.\nSt Patrick’s Day has always been a popular time to visit Ireland and the Irish Hotels’ Federation says this year the capital will be busier than ever.\n“Dublin is experiencing an unprecedented level of demand for St Patrick's Day and the circa 22,000 hotel and guesthouse accommodation rooms across the city are almost totally sold out during this period.\n“Visitors staying in hotels on these dates will have booked their accommodation weeks if not months in advance, and these rooms would have been sold at much lower rates than any last minute, last availability rates.\n“Understandably the low level of availability of rooms will impact decisions made by visitors, and some people may decide to stay further out from the city centre.\n“We would encourage people who have yet to book to also consider contacting hotels directly where there may be better value available than via booking engines.”\nSpeaking to Newstalk, tourists in Dublin said they thought accommodation in the city is poor value for money.\n“We’re from Greece, we’re staying here for three nights,” one woman said.\n“We’re staying at a hostel, the prices are outrageous.”\nAnother man said he had always expected Dublin to be expensive.\n“It’s around Temple Bar where I stayed - so, I was expecting something fairly pricey,” he said.\n“The room is about the [same] size as the bed.”\nMain image: Person sleeping in bunk bed in a hostel dormitory. Picture by: Alamy.com", "label": "Yes"}
{"text": "Bonduelle, the French vegetable processor, said today (4 February) its sales accelerated in the second quarter of its financial year thanks to a step-up in international growth.\nThe company’s total like-for-like sales growth in the second quarter was 4.1%, up from a rise of 0.9% in the first quarter. Expansion was fuelled by “strong” growth outside of Europe, with sales in the non-Europe zone up 11% in the three month period.\nThe increased pace of growth in the second quarter lifted Bonduelle’s first sales for the six months to the end of December. For the half, sales rose to EUR1.01bn (US$1.12bn), up 2.6% on a comparable basis. On a reported basis, however, sales saw a “slight” downturn dropping 0.7% due to the negative impact of currency exchange.\nCommenting on the result, the company said: “In a highly demanding environment, both in western and eastern Europe, the Bonduelle Group nevertheless recorded another six months of solid growth in line with its annual objective.”\nBonduelle added it expects to refine its full-year profit outlook when it delivers its full results for the first half at the beginning of March.", "label": "Yes"}
{"text": "Purpose – The purpose of this paper is to explore the common grounds that quality and productivity share. Hence, this paper reflects a mélange of quality and productivity and sets forth the path to profitable outcomes of quality implementations. Design/methodology/approach – The main approach to the topic is through the basic shop floor understanding of the term quality. The research method used in this paper utilize a range of text books as well as journal paper on quality and total quality management (TQM). Various graphs and figures are very sensibly constructed from the text and well quoted where ever they are inspired from a source. As with the myriad definitions available for quality, this paper starts with the notion of quality as applicable to individuals and hence selected definitions of quality (from quality gurus) have been included. After the basics of TQM have been discussed, the central theme of the paper, i.e. quality and productivity; and its relation is explored. The paper then concludes with a brief account of cost of quality. Findings – The topic is discussed and analysed liberally throughout the length and breadth. Popular findings from this paper include: quality is as important a determining criteria for small businesses as it is for large business houses. And customer's changing demands and the need for stringent cost management in fluctuating environments make TQM a practice of paramount importance for every enterprise, big or small. Practical implications – For sustained business, an optimistic company places customers above profits. The kind of companies that exist in the future will solely be determined by the customers. Hence, to make their businesses customer‐centered, the TQM‐able approach will be single‐handedly successful. Originality/value – The value of this paper lies in the grasp of individuals and businesses alike who want to have a holistic view of functions of quality. This paper bridges the gap between two different paradigms of quality and productivity; how they are seen by small‐ as well as large‐scale businesses and how implementing the quality will results in more production and ultimately profitable as well as sustainable businesses reinforced with efficient use of resources available.\nThe TQM Journal – Emerald Publishing\nPublished: Aug 21, 2009\nKeywords: Quality; Productivity rates; Total quality management\nIt’s your single place to instantly\ndiscover and read the research\nthat matters to you.\nEnjoy affordable access to\nover 18 million articles from more than\n15,000 peer-reviewed journals.\nAll for just $49/month\nQuery the DeepDyve database, plus search all of PubMed and Google Scholar seamlessly\nSave any article or search result from DeepDyve, PubMed, and Google Scholar... all in one place.\nGet unlimited, online access to over 18 million full-text articles from more than 15,000 scientific journals.\nRead from thousands of the leading scholarly journals from SpringerNature, Wiley-Blackwell, Oxford University Press and more.\nAll the latest content is available, no embargo periods.\n“Hi guys, I cannot tell you how much I love this resource. Incredible. I really believe you've hit the nail on the head with this site in regards to solving the research-purchase issue.”Daniel C.\n“Whoa! It’s like Spotify but for academic articles.”@Phil_Robichaud\n“I must say, @deepdyve is a fabulous solution to the independent researcher's problem of #access to #information.”@deepthiw\n“My last article couldn't be possible without the platform @deepdyve that makes journal papers cheaper.”@JoseServera", "label": "Yes"}
{"text": "Battle lines drawn over lifting of moratorium\nPublish date: 04 December 2018\nIssue Number: 585\nDiary: Legalbrief Environmental\nWith Mining Minister Gwede Mantashe's lifting of an oil and gas exploration moratorium last week, the battle lines between proponents of investment in the energy sector, and those who fear the impact of such investment on the environment became even more clearly defined, writes Legalbrief. SA will relax a moratorium on gas and oil exploration licences implemented earlier in 2018 to allow exploration and production applications already in the system to be granted, Mantashe announced. A BusinessLIVE report quotes Mantashe as telling an oil and gas industry meeting: ‘This amendment will ensure that applications currently in our system are processed and granted.’ In June, Mantashe published a notice in the Government Gazette announcing a restriction on the granting of technical co-operation permits, exploration rights and production rights. ‘We can't delay exploration because we want to accelerate investment,’ he said. Investment in the industry stalled due to regulatory uncertainty and lower crude prices. Companies with offshore acreage and exploration ambitions in SA include Total, Eni, Sasol and ExxonMobil.\nEnvironmental activists are poised to go to court in their battle to prevent exploration for oil and gas off the KZN coast. A Business Day report notes that a study by the CSIR has shown that SA has potential oil and gas reserves of between nine and 11bn barrels off its coast. To realise that potential, and to help the economy reduce carbon dioxide emissions, the government’s Operation Phakisa has set a target of sinking 30 exploration wells offshore over the next 10 years. Drilling for oil exploration is expected to get under way early in 2019 after Mantashe's announcement. Environmentalists hope to halt the process through various means, including petitions, mass mobilisation and court processes. Desmond D'Sa, head of the South Durban Community Environmental Alliance, who is also the leading member of a consortium of environmental organisations opposed to the drilling off the KZN coast, said it was unfortunate the Minister had given the go-ahead for offshore drilling for gas and oil without considering the objections of environmentalists and other stakeholders. He said they would do everything possible, including taking the government to court, to halt the drilling.\nMeanwhile, Parliament’s Portfolio Committee on Energy last week adopted its report on the draft Integrated Resource Plan (IRP2018), recommending that this plan be flexible enough to adapt to a rapidly changing energy environment. The plan contains several recommendations, including the expediting of the finalisation of the plan within the current financial year. According to an SA News report, the Department of Energy briefed the committee on the draft IRP in September. The plan serves to guide government’s plan for electricity provision within the energy mix. This follows Cabinet’s 22 August approval of the draft updated IRP 2018. The Committee made several recommendations following public hearings conducted in October. Given the uncertainty in future demand, technologies and innovation, the committee recommends that any IRP should be flexible enough to respond to these uncertainties, including exploring the feasibility of new and agile approaches to energy provision in this rapidly changing energy environment. The committee also suggests that the department be directed to conduct a thorough socio-economic impact assessment of various energy mix scenarios in preparation for the review of the IRP by 2020. The committee also recommended that Energy Minister Jeff Radebe convene an energy summit to comprehensively discuss and map out the energy future for SA. The first IRP for SA was promulgated in March 2011. It was indicated at the time that the IRP should be a ‘living plan’, which would be revised by the department frequently.", "label": "Yes"}
{"text": "i-Focus Committing the Microfinance Industry to Proactive Consumer Protection Ms. Robin Ratcliffe, Director, Campaign for Client Protection in Microfinance\nll of us in the microfinance arena believe strongly that financial services have the power to help people improve their lives, sometimes dramatically so. However, if offered carelessly or used improperly, financial services — especially credit — can also cause great harm. The importance of good practice has been demonstrated only too clearly given the role that over-lending to vulnerable families has played in triggering the U.S. and global financial crisis. Yet microfinance institutions (MFIs) must balance fulfilling their mission, surviving competition and achieving profitability and growth. These competing forces may play a role in pushing financial institutions into practices that do not coincide with pro-consumer ideals, such as over-lending or lack of transparency. The endorsing institutions of the Campaign for Client Protection in Microfinance (www.campaignforclientprotection.org) believe that microfinance distinguish itself as strongly pro-consumer if it is to retain its positive reputation – and fulfill its mission. The issue of client protection in microfinance is not a new one. Over the years, a number of industry leaders have discussed the need for an industry-wide code of conduct and a proactive assertion of the brand of microfinance as a double bottom line industry. Over the past several years, consensus has emerged that providers of financial services to lowincome clients should adhere to six core principles. These principles, which guide the Campaign, are distilled from the path-breaking work by providers, international networks, and national microfinance associations to develop proconsumer codes of conduct and practices. 1.\nAvoidance of Over-Indebtedness. Providers will take reasonable steps to ensure that credit will be extended only if borrowers have demonstrated an adequate ability to repay and loans will not put the borrowers at significant risk of over-indebtedness. Similarly, providers will take adequate care that non-credit financial products, such as insurance, extended to low-income clients are appropriate.\nTransparent Pricing. The pricing, terms and conditions of financial products (including interest charges, insurance premiums, all fees, etc.) will be transparent and will be adequately disclosed in a form understandable to clients. Appropriate Collections Practices. Debt collection practices of providers will not be abusive or coercive. Ethical Staff Behavior. Staff of financial service providers will comply with high ethical standards in their interaction with microfinance clients and such providers will ensure that adequate safeguards are in place to detect and correct corruption or mistreatment of clients. Mechanisms for Redress of Grievances. Providers will have in place timely and responsive mechanisms for complaints and problem resolution for their clients. Privacy of Client Data. The privacy of individual client data will be respected, and such data cannot be used for other purposes without the express permission of the client while recognizing that providers of financial services can play an important role in helping clients achieve the benefits of establishing credit histories.\nThe Six Principles are the foundation upon which The Center for Financial Inclusion at ACCION International, CGAP and many other industry players established the Campaign for Client Protection in Microfinance, now in its pre-launch phase. The Campaign is above all committed to protecting microfinance clients and ensuring that the financial services offered by MFIs do no harm. Through a variety of on-line activities, tools and outreach, the Campaign looks to:\nRaise awareness and encourage dialogue throughout the microfinance industry about client protection.\nDevelop tools to facilitate the implementation of the client protection principles by financial institutions.\nMicrofinance Focus [ April 2009 ] 30", "label": "Yes"}
{"text": "For decades, Pennsylvania lawmakers have tried and failed to extend federal health and safety protections to teachers, sanitation workers and other public sector employees in the state. But this year, the effort could hit a turning point — with a state-backed study that may chart a path.\n“It could make a very, very big difference,” said Jerry Jordan, president of the Philadelphia Federation of Teachers and proponent of the legislation.\nWorkplace health and safety protections under the Occupational Safety and Health Act do not automatically cover public sector employees in state and municipal government. States have to choose to extend these protections — and just over half have already done so through OSHA-approved “state plans” that allow states to operate their own workplace health and safety programs covering public and/or private sector workers.\nIn the region, public sector workers enjoy OSHA protections in New York, New Jersey, Maryland and Virginia. Those in Delaware and Pennsylvania do not.\n“If you don’t have OSHA protections, that means you basically have no legal right to a safe workplace,” said Jordan Barab, former deputy assistant secretary at OSHA. “All of the standards that OSHA has that apply to private sector workers do not apply to public sector workers.”\nFor at least two decades, Democratic lawmakers in Pennsylvania have introduced bills to extend OSHA protections to public sector workers, but none have made it through the legislature. Versions sponsored by Sen. Christine Tartaglione and Rep. Patrick Harkins are currently pending in the House and Senate Labor and Industry committees — both stalled since last year.\nBut a recent development could change things. Last week Governor Wolf’s office announced a partnership with Indiana University of Pennsylvania (IUP) to study the feasibility of extending OSHA protections to state employees, after an October executive order directed state agencies to look at the issue. The IUP study is expected to be completed this fall.\n“The safeguards of OSHA standards have protected private-sector workers in Pennsylvania for 50 years,” said Pa. Department of Labor & Industry Secretary Jennifer Berrier, in a statement. “This feasibility study will give us a roadmap to making these workplace protections universal to all Pennsylvania workers.”\n‘Night and day’ for private and public workers\nDepending on the state they live in, public employees from firefighters to social workers may or may not be covered by federal OSHA standards.\n“It’s different as night and day,” said Adam Finkel, professor of environmental health sciences at the University of Michigan and a former regional administrator at OSHA.\nTake the example of private versus public school teachers, working in buildings with hazards like asbestos.\n“If you’re a private school employee, you have a private employer and you can file a complaint, you can call OSHA and have an inspection done,” Finkel said. “If they’re over the asbestos limit, you can get relief from that. If you’re a public school teacher in a state without a state plan, you are not covered by the federal government, so you have very limited recourse.”\nBarab, the former OSHA official, also gives the example of private construction workers, who can’t work in trenches more than 5 feet deep without protections against cave-ins. He said public sector laborers can work in deeper trenches without these protections.\n“It’s perfectly legal, and a lot of them die,” he said.\nWhile data is spotty in Pennsylvania, national statistics do show a disparity in injury and illness rates between public and private sector workers. According to an AFL-CIO analysis of Bureau of Labor Statistics data, state and local public sector employers reported an injury rate of 4.6 per 100 workers in 2019, compared to a rate of just 2.8 per 100 workers in the private sector.\n“We’ve seen a lot of injury rates among workers in local and state governments to be higher than those working in the private sectors,” said Tran Huynh, assistant professor of environmental and occupational health in Drexel’s Dornsife School of Public Health.\nWhen states choose to enforce OSHA standards through their own state plans, they can set standards that go beyond OSHA’s. In California, for example, the state adopted not only minimum federal standards, but added protections of its own — including around toxic chemical handling, agricultural work, heat and noise exposure and repetitive motion injuries.\n“States … have looked at the federal program and said, we not only want more control, but we think that there are ways that the program is not strict enough,” Finkel said. “That’s a big motivation.”\nAdvocates and unions support extending OSHA protections\nSupporters say it’s only fair that public sector workers have the same protections as private sector workers.\n“During the midst of the pandemic, you had public sector workers that are garbage collectors — even our teachers — they were all considered essential workers,” said Nicole Fuller, executive director of the Philadelphia Area Project on Occupational Safety and Health (PhilaPOSH). “But they didn’t really have any protections other than, you know, what was provided for them by their unions. They didn’t have any federally mandated OSHA protections.”\nTop workplace health and safety concerns for the Philly teachers’ union include exposure to lead paint and asbestos in old buildings. The union’s president supports the effort to extend OSHA protections.\n“We would have protections that don’t currently exist,” Jordan said.\nPhilly firefighters’ union president Michael Bresnan was not aware of the effort, but said OSHA protections could help Philly firefighters. He’s particularly concerned about exposure to toxic chemicals and making sure his members have enough sets of gear so that they don’t have to work in contaminated clothing.\n“Anything that’s going to make it safer or better for our members, I mean, we’d be all for,” he said.\nThe City of Philadelphia, which employs more than 25,000 people, is not against the idea of Pa. extending OSHA protections to its workers. In fact, a spokesperson for the Office of Worker Protections in the city’s Department of Labor says the city is “open to” it.\n“Every day, thousands of public workers provide crucial services in many neighborhoods and communities throughout the city … that could potentially put them in harm’s way,” said Femi Matti, director of outreach and communications for the city’s Office of Worker Protections. “So we welcome this opportunity for this legislation to provide the same level of protection afforded to private sector employees.”\nSo what’s the hold-up?\nAlthough the bills pending in the state legislature have at least one GOP sponsor in each chamber, they have failed to move out of committee — looking like they might meet a similar fate as in prior years.\n“It’s been a long fight that we’re still in the midst of,” Fuller, of the labor advocacy organization PhilaPOSH, said. “I think the biggest thing that’s holding us up is politicians at the state level — and I’ll say more so on the Republican side than the Democratic side.”\nBut Eric Kratz, executive director of the PA Senate Labor and Industry Committee for Republican chair Senator Camera Bartolotta, said groups representing local and county governments, as well as school boards, have consistently raised concerns about the costs of meeting OSHA standards.\nThe state would likely need to hire new employees to carry out workplace inspections, former OSHA official Finkel said. If Pa. implemented an OSHA-approved state plan, the federal government would pay up to half the cost. However, money’s not the only concern.\n“They’ve also questioned, just what’s the rationale for this?” Kratz said. “What’s the data that would show that public sector workplaces aren’t safe with the current requirement that they operate under?”\nKratz said members of Bartolotta’s committee have reservations as well.\n“Conceptually, obviously, she supports worker safety, and so by all means that’s important to her,” Kratz said. “But at the same time, … we want to work with stakeholders, and when there’s significant concerns, we try to address them.”\nSen. Bartolotta’s team hoped to direct an analysis of the potential impact of the legislation, but is now looking to the state’s feasibility study for a verdict on what to do.\n“We’ll see what it shows and if there’s a path forward or not,” Kratz said. “I think that’s a good step.”\nSubscribe to PlanPhilly", "label": "Yes"}
{"text": "The former Byron Council staffer and now manager of the state government-owned private enterprise, North Coast Holiday Parks (NCHP), has hit back at claims his parks do not contribute back to the community since he took over administration from Byron Shire Council in 2006.\nBut questions still remain as to why Council’s financial returns are extraordinarly lower than before the takeover.\nNCHP general manager Jim Bolger told The Echo that a major amount is paid directly back into the Shire via Council.\n‘Other amounts paid for reserve maintenance and or improvement by NCHP vary from year to year determined by the work needed to be performed. Plans for the upgrades of the day use reserves in Brunswick Heads will be exhibited toward the end of this year. These plans will identify extensive improvement works to be funded from caravan park revenue.’\nThe questions come after a recent press release by a public relations company on behalf of NCHP that claimed, ‘guests can be confident that the profits from the dollars they invest are returned to the people of NSW and their coastal recreation zones.’\nCouncil’s media officer confirmed that in 2011/12 the amount paid by NCHP for three Brunswick Heads caravan parks was $196,818, and is listed under the ‘Open Space And Recreation Program’ in the budget.\nAs a comparison to when Council managed the parks over ten years ago, Council’s 2001/2002 annual report says that The Terrace Park generated $380,000, Massey Greene $270,000 and the Ferry Reserve $121,200, equalling a profit of $771,200. Another snapshot a few years later in 2003/2004 reveal a higher figure of $860,653.\nCouncil’s community infrastructure executive manager, Phil Holloway, said the income was spent across all Council reserves as per a 2007 agreement with the then-called North Coast Crown Lands Division. ‘Council also receives income for Crown reserve works from the paid parking on Main Beach, Byron Bay, and fees from market licences.’ He says the funds can only be expended on works in the area to which the income was generated.", "label": "Yes"}
{"text": "Unobserved component models with asymmetric ARCH disturbances: An application to inflation\nAbstractUnobserved component models with GARCH disturbances are extended to allow for asymmetric responses of conditional variances to positive and negative shocks. The asymmetric conditional variance is represented by a member of the QARCH class of models. The proposed model allows to distinguish whether the possibly asymmetric conditional heteroscedasticity affects the short-run or the long-run disturbances or both. Statistical properties of the new model and the finite sample properties of a QML estimator of the parameters are analyzed. The correlogram of squared auxiliary residuals is shown to be useful to identify the conditional heteroscedasticity. Finite sample properties of squared auxiliary residuals are also analysed. Finally, the results are illustrated by fitting the model to daily series of financial and gold prices, as well as to monthly series of inflation. The behavior of volatility in both types of series is different. The conditional heteroscedasticity mainly affects the short-run component in financial prices while in the inflation series, the heteroscedasticity appears in the long-run component. Asymmetric effects are found in both types of variables.\nDownload InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.\nBibliographic InfoPaper provided by Universidad Carlos III de Madrid in its series Open Access publications from Universidad Carlos III de Madrid with number info:hdl:10016/4819.\nLength: p.2146–2166 p.\nDate of creation:\nDate of revision:\nContact details of provider:\nWeb page: http://www.uc3m.es\nAuxiliary residuals; Financial series; GARCH; Inflation; Leverage effect; QARCH; Structural time series models;\nYou can help add them by filling out this form.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Contact person).\nIf references are entirely missing, you can add them using this form.", "label": "Yes"}
{"text": "FUNDAMENTAL ANALYSIS BY NSFX 04.11.2014\n- BY: Nati\n- November, 04th, 2014 8:04 +00:00\nThe Reserve Bank of Australia left Interest Rates unchanged at 2.5% as had been expected. AUDUSD trading at 0.8730 Following the Japanese bond buying increase the Yen has fallen, leading to speculation that other exporting nations in Asia will follow suit and devalue their currencies. USDJPY trading at 113.59 with Japanese Vehicle Sales figures decreased by 9.1% year on year for October.\nThe NIKKEI was trading at 16862.47 up 448.71 points or 2.73%\nEurope today will hear the updated Spanish unemployment change for October while the United Kingdom’s Purchasing Manager’s Construction Index is expected out at 63.5 down from 64.2. Euro Zone Producer Price Index figures for September will also be published this session, as will the European Commission Economic Growth Forecast. EURUSD trading at 1.2507 The Bank of England is expected to leave rates unchanged at 0.5% this Thursday. CABLE trading at 1.5990\nThe FTSE100 closed at 6487.97 while the DAX finished trading at 9251.70 yesterday, both dropping just under one percentage point.\nThe Canadian session will open today with Trade Balance figures and a look at Import/Export data for September. The Bank of Canada will speak later in the session, with the Canadian Unemployment data for October due out on Friday. USDCAD trading at 1.1372 In the US today we will see the Redbook Index for October and Factory Orders for September. Looking ahead to later in the week we await the ISM Non-Manufacturing PMI tomorrow and Non-Farm Payrolls on Friday.\nThe DOW closed at 17366.24 down just 24.28 points or minus 0.14%\nHope you all have a nice day.", "label": "Yes"}
{"text": "Search Full Text\nNow showing items 1-1 of 1\nThe Impact of Employer-Sponsored Health Insurance on Labor Market Outcomes\n(Georgetown University, 2021)\nThe US does not have universal healthcare coverage for all its citizens. Instead, institutions have been cobbled together, with coverage varying from person to person. Some forms of health insurance are part of the ...", "label": "Yes"}
{"text": "AN £8m health centre giving Knowsley residents access to more than 30 services under one roof has opened in Halewood.\nThe Halewood Centre, a project involving Knowsley council and NHS Knowsley, is part of a £15m regeneration of the old Raven Court site.\nThe centre includes a new library, three GP surgeries, a dentist, pharmacist, post office and One Stop Shop.\nKnowsley Housing Trust, Knowsley Works Plus and other NHS services are also available at the centre, as well as Halewood town council’s HQ, the Halewood Credit Union and Halewood Citizens Advice Bureau.\nThere is also office space for new business start-ups.\nKnowsley council’s cabinet member for corporate and customer services Cllr Ken Keith said: “The centre will transform services and is a fantastic development at the heart of the community.”", "label": "Yes"}
{"text": "You Don’t Know Zhou\nPundits can argue about devaluation versus market forces. But only one man knows for sure what the People’s Bank of China was up to when the value of the renminbi fell last week.\nWhat’s going on at China’s central bank? The People’s Bank of China, led by Governor Zhou Xiaochuan, has been slowly liberalizing currency and capital markets for several years now. Last week, though, it made a monetary policy move that surprised people around the world. A week later, those same people can’t seem to agree on what it means.\nThe central bank has long allowed the exchange rate of the dollar and the renminbi, China’s currency, to move within a band that has gotten slightly wider from year to year, until reaching its current range of 2 percent on either side of a fixed opening rate. But on August 11, for the first time, the bank began to let the band move in an apparently market-driven way from day to day. Every morning when trading began, the midpoint of the new band would be similar to the closing rate from the previous day.\nOver the next three days, the renminbi, also known as the yuan, lost about 3 percent of its value against the dollar. Western observers immediately cried foul, accusing China of devaluing its currency deliberately in an attempt to make its exports cheaper and boost its flagging economy. It was a “race to the bottom” or “beggar-thy-neighbor” economics — the sort of thing that used to lead American politicians to accuse China of manipulating its currency.\nYet some China hands doubted this explanation. They pointed out that Beijing has been trying to gussy up the renminbi in advance of the International Monetary Fund’s (IMF) decision in November on whether to include the yuan in the basket that forms its own distinct currency, the Special Drawing Right. Inclusion would make little difference to China’s economy in itself, but it would be a stamp of approval that the renminbi was on its way to being “convertible” — freely usable and tradable around the world. The experts said China had taken a step toward allowing the renminbi’s value to float on its own, and market forces had pushed down its value versus the dollar.\nThe clash between these two stories even pitted colleagues against each other. At the Peterson Institute for International Economics in Washington, D.C., Nicholas Lardy blogged that China’s move was a “potentially major step” towards a free-floating currency. He followed up with another post asserting that the Chinese economy wasn’t as weak as other experts believed, implicitly arguing that there was less reason for the government to want a devalued currency that would boost exports. But Adam Posen, the institute’s president and a former member of the Bank of England’s Monetary Policy Committee, said he thought the devaluation was intentional — though he hoped Lardy was in fact correct.\nWho’s right? The only way to know the Chinese central bank’s true intentions is to find out exactly what it was up to last week. If the bank was injecting renminbi into the market in order to increase its supply, then the fall in the exchange rate was probably deliberate. But if the bank was sucking renminbi out of the market all along in order to support the currency — and then stopped last week — then the dip was just the currency finding its fair value. In that case, any boost for exporters was just a convenient bonus.\nGetting the whole truth seems simple enough, in theory. Anyone could just look at what happened to the bank’s reserves during the week to see whether it was buying or selling assets denominated in different currencies. There’s just one problem — the People’s Bank doesn’t publish the makeup of its reserves, just the total, and that number only comes out monthly. So whatever the bank did could be masked by movements in the values of other currencies and by its interventions at other times of the month. Some reports suggested the bank tried to prop up the renminbi at the end of each trading day, perhaps to ensure the band for the next day wouldn’t be too low, but the rate still dropped.\nSo it’s back to square one: Pundits can claim all the expertise they want, but the answer still has to come from the mouth of a Chinese central bank official. And the bank is sticking with the market forces story. On Thursday, its officials called a news conference to say the currency wasn’t undervalued and was unlikely to drop further. Right on cue, the renminbi gained slightly against the dollar the next day. But was the central bank intervening in the market to cover its tracks? We may never know. The IMF is standing behind China and asking for more steps to relax control of the exchange rate, such as removing the band altogether and making interventions less frequent. Others continue to doubt that market forces are driving the renminbi’s plunge.\nEither way, this episode is likely to be a footnote in Chinese economic history. The overall trends are more liberalization of currency and capital flows, and more focus on domestic demand rather than exports. Between June 2005 and January 2014, the renminbi steadily gained more than 25 percent against the dollar, except for a period of enforced stability around the time of the global financial crisis. Lately, despite a relatively wide band for trading, the exchange rate has moved less dramatically, leading many economists to conclude that the currency is near its fair value. In the meantime, use of the renminbi in trade and investment has increased markedly, and capital markets in China have begun a broader opening to private investors at home and abroad. These trends aren’t going to change anytime soon, no matter who’s right about the central bank’s current approach.\nStill, plenty of people are still betting on short-term currency moves, and stock markets around the world are reacting to the prospect of more globally competitive Chinese exports. That’s why some of these experts have jobs. Before 1990, they called it Kremlinology, and it was a booming business for academics, think-tankers, and journalists alike. So it’s a good thing a Communist Politburo still runs the People’s Republic of China, and the central bank still operates largely in secrecy — if they didn’t, all those tea-leaf-reading skills would go to waste.\nFeng Li/Getty Images", "label": "Yes"}
{"text": "Report Finds ACA Will Leave Many Californians Uninsured\nAlthough the Affordable Care Act will reduce the number of uninsured residents in California, \"a significant number will be left behind,\" according to a new California HealthCare Foundation report, the Modesto Bee reports.\nCHCF publishes California Healthline.\nThe report, titled \"California's Uninsured: By the Numbers,\" provides a snapshot of the state's uninsured residents and offers estimates about the effects of the Affordable Care Act.\nFindings on Insured, Uninsured in California\nAccording to the report, one in five Californians under age 65 is uninsured, the seventh-highest rate in the country.\nIt also found that 54% of residents received health coverage through their jobs last year, down from 63% in 1988.\nIn addition, the report found that:\n- One in four adults who work are uninsured;\n- About 40% of residents who work for small businesses with fewer than 10 employees are likely to be uninsured; and\n- 62% of uninsured children have parents who worked full-time in 2012.\nFindings on Effects of ACA\nThe report projects that 2.6 million Californians will be newly insured in 2015. Of those residents:\n- 1.6 million will obtain private insurance; and\n- 939,000 will receive coverage through the state's expanded Medi-Cal program.\nMedi-Cal is California's Medicaid program.\nMeanwhile, the report estimates that about 3.1 million residents will remain uninsured even after major provisions of the ACA are implemented, including:\n- 1.4 million residents who will be eligible for coverage through Covered California, the state's health insurance exchange, but will not enroll;\n- 959,000 undocumented immigrants who will not be eligible for coverage through the ACA; and\n- More than 700,000 individuals who are eligible for Medi-Cal but are unlikely to enroll because of a lack of awareness or the program's history of enrollment issues and limited access to care (Carlson, Modesto Bee, 12/22).", "label": "Yes"}
{"text": "NEW ORLEANS, April 5, 2017 /PRNewswire/ -- Tidewater Inc. (NYSE: TDW) has been in restructuring discussions with its principal lenders and noteholders regarding the company's various debt arrangements. Pending the resolution of those discussions, the company had previously received limited waivers from the necessary lenders and noteholders which waived compliance with certain debt covenants until March 27, 2017, at which time the company announced that the latest waiver extension had expired without a renewal being sought by the company.\nTidewater's management is of the view that substantial progress has been made in the negotiations during the past week, and after further discussion with its lenders and noteholders, all parties agreed to a further short-term covenant waiver while they focus on bringing the negotiations to conclusion. The company has now received limited waivers of the covenant defaults from its lenders and noteholders until April 7, 2017.\nTidewater is the leading provider of OSVs to the global energy industry.\nTo view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/tidewater-agrees-to-short-term-waivers-with-its-lenders-and-noteholders-to-conclude-restructuring-discussions-300435438.html\nSOURCE Tidewater Inc.", "label": "Yes"}
{"text": "Oil Steady After Retreating From 2014 Highs On Dollar Strength\nNEW YORK, May 17 (Reuters) - Oil prices climbed above $80 a barrel on Thursday for the first time since November 2014, before retreating on a stronger dollar and climbing U.S. output to end unchanged.\nA rapid slide in oil supply from Venezuela, concern that U.S. sanctions will disrupt exports from Iran, and falling global inventories have all combined to push oil prices up nearly 20 percent in 2018.\nThe U.S. dollar hit its highest level in four months against the yen as yields on benchmark U.S. government bonds hit a seven-year high.\nA stronger dollar makes oil more expensive for importing nations such as those in Asia, which are facing a trillion dollar bill for their imports this year as demand in the continent reaches a record high.\nBrent crude futures reached an intraday high of $80.50 a barrel, but later gave up most gains to settle up 2 cents at $79.30 a barrel.\nU.S. West Texas Intermediate (WTI) crude futures settled unchanged at $71.49, after earlier also hitting their highest since November 2014 at $72.30 a barrel.\nGlobal inventories of crude and fuel have dropped sharply in recent months owing to robust demand and OPEC-led production cuts.\nThe Organization of the Petroleum Exporting Countries and non-OPEC global producers, that have curbed output since the start of 2017, will next meet to discuss supply policy in Vienna in June.\nHowever, Venezuela's economic crisis, and the prospect of additional U.S. sanctions following its May 20 elections could hit the market further.\n\"I expect that Venezuelan production will continue to decline and the upcoming elections hold the spectre of the U.S. imposing additional sanctions on Venezuela that may hasten the loss of supply,\" said Andrew Lipow, president of Lipow Oil Associates, a consultancy in Houston.\nHe said Iranian oil sales could plunge by 300,000 to 500,000 bpd in the next six weeks as well, after U.S. President Donald Trump's decision this month to withdraw from an international nuclear deal with Iran and revive sanctions that could limit crude exports from OPEC's third-largest producer.\nRecord domestic oil output and exports have capped the rally in the United States, and led to a rising premium for Brent above WTI, which traded at $8.20 a barrel on Thursday, the widest spread since April 2015. <0#WTCLc1-LCOc1>\nU.S. crude output has soared 27 percent in the last two years to a record 10.72 million barrels per day, putting it within reach of top producer Russia's 11 million bpd.\nThat has not been enough to stop oil prices rallying, energy ministers of OPEC's largest producer Saudi Arabia and its neighbor and fellow OPEC member United Arab Emirates to note that the market remains well supplied.\nView Full Article\nWHAT DO YOU THINK?\nGenerated by readers, the comments included herein do not reflect the views and opinions of Rigzone. All comments are subject to editorial review. Off-topic, inappropriate or insulting comments will be removed.", "label": "Yes"}
{"text": "Viridian Energy offers 3DOM fixed-rate plans as well as Auto-Flex and Self-Flex plans. The 3DOM fixed plans are three-year commercial and residential plans offered to new customers. The 3DOM plans are different from other plans in that they lock in a set rate determined at the time of sign-up. Viridian also offers term-free plans that have a variable monthly rate. The fixed plan offers a term-end rebate as well.\nThe Flex plans allow the customer to lock in their rate at a later point during their term or to set an automatic lock-in for a point later in the three-year term. Exact rates vary depending on the service area.\nMonthly variable rate plans provide a rate that can change from month to month, based on the company operating components and the cost of energy. The benefit of the monthly variable rate is that it offers the most flexibility, and it eliminates any penalties to switch plans or cancel. Fixed-rate plans give customers protection against changes in the market, but there is a $50 termination fee for cancelling before the term ends. In addition to the 36-month term plans, customers can choose term plans starting at six months to one year, depending on their service area.", "label": "Yes"}
{"text": "16 George StreetGeorge Street, Bathgate | EH48 1PW\nThe subject property is located on the east side of George Street, in the heart of the Centre, benefitting from high levels of pedestrian footfall. Nearby retailers include Boots, Kidzeco, WH Smith...\nAvailability: Under Offer -\nSize: 1,235 sq ft -\nRent: £16,500 pa -\nLast modified: 07/06/2021 -", "label": "Yes"}
{"text": "In business, we are all on the lookout for the best value for money and value for our time. We all want to find ways to generate more revenue and find more customers.\nIf you’ve reached the point where you’re overflowing with workload, but you’re flying solo and don’t have anyone to delegate to, then you’re possibly considering hiring an employee. You may, however, have hesitations about managing an employee and all the compliance considerations (AKA paperwork) that goes along with putting on an employee. This is when outsourcing comes into play.\nWhat the heck is outsourcing?\nOutsourcing is simply engaging an independent contractor/consultant to take care of a specific scope of work. Examples can be when a large company contracts a freight provider to transport its products to customers, or when an accountant engages another professional to cover client work during tax time/peak period.\nShould I be outsourcing or offshoring?\nOffshoring is engaging a contractor located in another country/overseas. This is typically done due to the cost savings from cheap labour in some overseas countries. Australia has a high cost of labour due to the highly regulated business requirements (AKA high cost of doing business) that we have here. Whilst, there are definite cost savings to be had with offshoring, there are definite downsides. I’ve heard from many business people, that the cost savings are often eroded by the re-work involved, due to lower quality output.\nOutsourcing is really a question of budget and principles. If you don’t have the budget to pay local rates and don’t mind differing levels of quality, then offshoring is probably for you. If you prefer to support your own economy and require a qualified contractor with specific skillset, then outsourcing is for you.\nWhat is a VA?\nA VA is a virtual assistant who provides administrative support remotely, using technology. Most of us have heard of VA’s from the Philippines, contracted by large Australian companies to run their call centres, or helpdesks. But did you know the VA industry also exists within Australia and throughout western/Commonwealth countries, also?\nAnd because local VA’s come from all different avenues of business administration, there are many niche VA’s, such as those specialising in social media, digital marketing, Not-for-Profits, transcription, legal, medical, bookkeeping, and so on.\nHow does a VA work remotely?\nThis depends on each VA, but most use modern business tools such as DropBox or Google Drive to share files; task management tools such as Trello or Asana to manage workflow, shared calendars via Outlook or Google Calendar, shared inboxes via Outlook or Gmail, phone or Skype to communicate, and so on. Most VA’s track their time with a time tracker such as Toggl and invoice by the hour, or offer packages by task or blocks of time.\nTips to win at outsourcing\nUse a VA that matches your niche/segment – locate a VA who has experience in your field or industry segment. You can put a request through via VA Directory, requesting the particular skill set you require.\nHave a trial run first – if you’re after a VA for ongoing support/recurring tasks, then request a 2 week trial period first and tell the VA that you’re looking for the right fit. A good VA will understand this and will also want the right fit.\nMake a list of tasks that you can delegate – put together a list of the tasks that you hate doing, tasks that never seem to get done, and time-consuming tasks that you can give to your VA to free up your time. Again, a good VA will ask you a set of initial questions to better understand your business and where you need help.\nMake a list of work that you will focus on when your time has been freed up – this is the best part! Visualising the extra 5 hours per week that you’ll have to focus on finding new clients.\nNow, I hope the above tips will help you to confidently go ahead and free up your time by outsourcing. Take the leap and know that you’ll save yourself stress and find more time to spend on your most important priorities.\nModern Day PA provides flexible admin support to time-poor mining consultants and small business owners, who don’t normally have access to an assistant.\nLike & Follow my Facebook Page @moderndaypa.redlands\nSIGN UP for my Newsletter, or SEND an appointment request.", "label": "Yes"}
{"text": "Categories Economy video Economist article and video on China economy Post author By stlplace Post date August 5, 2009 No Comments on Economist article and video on China economy Reading Time: < 1 minuteimbalance. Article here. This reminds me Wang Jianshuo’s latest article “I am a rich person?” I think the following video “Rebalance the economy: American” is also very good. Related ← Started Financial Times subscription → Portfolio management lessons: don’t sell all at once Leave a Reply Cancel replyYour email address will not be published. Required fields are marked *Comment Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email. Notify me of new posts by email.", "label": "Yes"}
{"text": "Westbrook Wealth Management\nWe Serve the Westbrook area! Check out the specific services offered down below.\nWestbrook's Remote Resource for Retirement Planning and Financial Education\nVirtual Consultations: Westminster Wealth Management employs cutting-edge technology to provide virtual consultations. This ensures that residents of Westbrook, Maine, can access financial advice and planning services from the comfort of their homes. The firm leverages secure online platforms, enabling clients to engage in real-time discussions with their financial advisors.\nTailored Financial Planning: Recognizing the diverse financial landscape of Westbrook, Westminster Wealth Management specializes in creating customized financial plans. Whether it's retirement planning, investment strategies, or estate planning, the firm tailors its services to align with the specific financial goals and circumstances of Westbrook residents.\nInvestment Expertise: With a team of experienced investment professionals, Westminster Wealth Management excels in crafting investment portfolios that align with individual risk tolerance and financial objectives. Residents of Westbrook can benefit from the firm's expertise in navigating the complexities of the financial markets.\nComprehensive Wealth Management: Beyond traditional financial planning, Westminster Wealth Management offers comprehensive wealth management services. This includes tax planning, insurance analysis, and other essential components that contribute to a holistic and effective financial strategy.\nEducational Resources: Understanding that informed clients make better financial decisions, Westminster Wealth Management provides a wealth of educational resources. Westbrook residents can access webinars, articles, and other materials to enhance their financial literacy and make more informed decisions about their financial futures.\nTransparent Fee Structure: Transparency is a cornerstone of Westminster Wealth Management's approach. Westbrook clients can trust the firm's straightforward fee structure, ensuring that they understand the costs associated with the services they receive. This commitment to transparency fosters trust and confidence in the client-advisor relationship.\nResponsive Client Support: Despite the physical distance between Westbrook and New Jersey, Westminster Wealth Management prides itself on responsive client support. Through various communication channels, including email, phone calls, and secure messaging platforms, clients can easily reach out to their dedicated financial advisors whenever they need assistance or have questions.\nServices in Westbrook\n- Social Security Planning\n- Medicare Planning\n- Long Term Planning\n- Tax Management Planning", "label": "Yes"}
{"text": "Being a property owner can be extremely stressful. Between tracking down payment, fixing broken housing items while also trying to make money and appreciate the value of your property? Yeah, that’s tough. Here are just some of the reasons you need a property manager:\n1. They always make sure you get paid\nHave problems tracking down rent from your tenants? “Where is the money?!” may have come out of your mouth once or twice. Property managers can help track down your tenants, and often times sets up automatic payment methods that help you get your money the second it’s due!\n2. They deal with bad tenants\nSometimes, tenants can cop an attitude or destroy your property. One bad night could lead to damage that costs you money. When you have a property manager, then are able to confront bad tenants before the problem gets out of hand.\n3. They manage house repairs\nWhen you own a property sometimes it can feel like you are constantly working on home repairs. A pipe breaks, the appliances stop working or there is in an electrical issue. There is never a shortage of repairs! Luckily a property manager will keep track of and manage those repairs for you. Long gone are the days of driving back and fourth to fix a leaky pipe.\nCurious about getting a property manager? Contact us with all your questions below!", "label": "Yes"}
{"text": "The second quarter of 2014 was the strongest quarter in decades for companies entering the stock market, with 91 initial public offerings filed raising $23 billion, according to a report released Thursday by the Ernst & Young consulting firm.\nAnd that growth is likely to continue through at least the second half of the year, including a growing number of filings expected in San Diego.\n\"The pipeline is extremely full,\" said Doug Regnier, who heads Ernst & Young's IPO operations along the West Coast. \"Some companies are in registry (for an IPO), while others are getting ready to file.\"\nDuring the first half of the year, there were 162 IPOs filed nationwide, a 71 percent increase from the same period last year. The stock offerings generated $35 billion in capital, a 50 percent jump from the previous year.\nIn San Diego, there have so far been six IPOs in the first half of 2014 worth $283 million, compared to just two in the first half of 2013 that raised $148 million.\nAnother local firm, Lumena, announced plans to launch an IPO in April but instead was bought for $260 million by Ireland's Shire Pharmaceuticals (Nasdaq: SHPG). And it's possible that one other firm may go public before the first half ends on Monday: Ambrx (Nasdaq: AMBX), a firm that is trying to discover and develop protein therapeutics to treat problems ranging from weight management to cancer.\nAmbrx was slated to go public on Wednesday, but is now listed as a day-to-day IPO candidate, with hopes of raising $70 million with a target share price of $12 to $14.\nDespite the postponement of the rollout, Ambrx has been getting positive reviews from analysts and potential investors. In a column on the Seeking Alpha stock website, Don Dion, owner of DRD Investments in Florida, announced he might make a long-term investment in the stock shortly after its release, based on Ambrx's collaborations with Merck (NYSE: MRK), Eli Lilly (NYSE: LLY) and Bristol Myers Squibb (NYSE: BMY).\n\"We are positive on this IPO and suggest biotech investors be so as well,\" Dion wrote.\nThe market for new faces in the pharmaceutical field has been so strong that Receptos Inc. (Nasdaq: RCPT), a local biopharmaceutical firm that raised $83 million when it went public last year, went back to the trough early this week with a second offering that raised $178 million. Since its launch in May 2013, the stock price at Receptos, which is trying to develop therapies for immune and metabolic diseases, has risen from $14.20 to $39.98, although that's down from a short-lived peak above the $50 mark in March.\nRegnier says that the current interest in IPOs has been a stark contrast to a long period of sluggishness from 2011 through the first half of 2013, when the market was stalled by the relatively stagnant economy. The current growth, he says, was fueled by a pickup in real-estate prices, which put more money in investors' hands.\nAt the same time, growing projections of strong growth among the world's pharmaceutical giants, such as Merck, Eli Lilly and Bristol Myers, helped fuel interest in the IPOs of the smaller laboratories that work with them to develop new products, Regnier said.\nRegnier said the market was a little rocky this spring, when speculators – drawn by the growing IPO activities – pounced into the market, pushing the stock prices sky high in spring, and then quickly exited, resulting in a sharp drop-off.\nOnce those \"non-traditional investors\" left the market, he said, it left the traditional investors who target companies based on their fundamentals, such as what \"milestone payments\" they expect to receive from their big pharmaceutical partners. He added that because those investors tend to be very well-informed about the market, they tend to keep IPO prices from getting unrealistically high.\nIn addition to Ambrx, the San Diego IPOs that have gone public so far this year include:\n* Auspex Pharmaceuticals (Nasdaq: ASPX), developing treatments for \"orphan diseases,\" with a $96 million launch.\n* Vital Therapies, $62 million. Vital had previously planned on going public with an $86 million IPO last year priced at $16 to $18 per share, but postponed the launch until April after shaving the price to $13 to $15 per share.\n* Ignyta Corp. (Nasdaq: RXDX), conducting Phase 1 trials for treating solid tumors, $55.2 million.\n* Celladon Corp. (Nasdaq: CLDN), a gene therapy firm, $50.6 million.\n* Biocept Inc. (Nasdaq: BIOC), working on a proposed treatment for breast cancer, $19 million.\nThe next to join the list may be Pfenex, which is working with protein therapeutics to address such problems as macular degeneration, a chronic eye disease. Early this month, Pfenex filed its intention to launch a $75 million with the Securities and Exchange Commission.\nIn addition, Fortune magazine this month predicted that San Diego's Tealium may be ready for an IPO after raising $47 million in venture capital funding.", "label": "Yes"}
{"text": "Warren Irwin: A bright future for Uranium, NexGen and the Athabasca Basin\nWarren Irwin founder and chief investment officer of Rosseau Asset Management limited. He discusses the founding and rise of Rosseau Asset Management through some very profitable investments, including Bre-x in Indonesia, profiting from it’s rise and it’s fall.\nWarren is the biggest shareholder in NexGen, a major uranium producer and discusses the likely growth in demand going forward particularly in China where they are constructing many new nuclear power plants. New uranium mines will need to be built to meet this growing demand creating upward price pressure. NexGen has recently made a big new discovery with its Arrow deposit, this is the best undeveloped deposit in the world. The stock should be trading at multiples above where it is now based on the value of this deposit alone.\nThere is often a big lag between when a company makes a big new discovery and the reaction with the share price and the biggest lags usually come with the biggest discoveries.\nThe Athabasca basin is the richest area for uranium in the world, Warren discusses the relative merits of Investing in NexGen vs Fission Uranium based on the nature of their respective deposits and the best mining techniques. NexGen is likely to be easier to mine and so he believes it has the advantage..\nTalking points from this weeks interview:\n• Investing in NexGen vs Fission Uranium\n• The uranium price is very likely to rise\n• Security of supply is more important than price\n• The Athabasca basin hold the worlds richest uranium deposits\nWarren Irwin is president and chief investment officer of Rosseau Asset Management Ltd. He founded the firm in 1998 after several successful years as vice president and director of special investments at Deutsche Bank Canada. The firm’s flagship event driven hedge fund, Rosseau LP, was established on December 31, 1998, and has since earned a reputation for solid long-term performance earning over 50% the return of its benchmark index. Irwin started his career as a bond analyst for Scotia Capital Markets where he developed the Universe Bond Index, the Canadian bond market benchmark, and shortly thereafter developed and managed Canada’s first bond index fund. He is a Chartered Financial Analyst and holds a Bachelor of Mathematics from University of Waterloo and a Master of Business Administration from the University of Western Ontario.", "label": "Yes"}
{"text": "Stop for a minute, and think about it first Think again before exposing your private life to...\nThe people who manage a company’s workforce – its Human Resources – are one of the largest assets a company has. Southeast Texas HR can effectively manage the most important facet of your business, the people you employee.\nWe are your single source for all of your recruiting needs, bringing employers unmatched abilities to target specific types of job seekers. Our recruiting solutions are a cost effective way to get your employment opportunities in front of a large pool of qualified candidates.\nSETX HR has the expertise in designing and managing the benefit packages of your company. As benefit plans grow in complexity, we can ensure all aspects are kept in compliance.\nWe can assist you with strategically integrating effective HR processes, programs, and practices into your daily operations. Let Southeast Texas HR maximize your company’s HR department.\nSoutheast Texas HR can provide flexible payroll services that improve payroll management of large or small companies. We can streamline your payroll process, improve productivity, and simplify administration.\nLet SETX HR handle your employment screening, recruitment, training, HR record keeping and compliance reviews. We are your full service human resource agency.\nStop for a minute, and think about it first Think again before exposing your private life to...\nA happier, more productive workplace is better for everyone…employees, management, owners, stockholders, and even the employees’ families. ...\nCurrently, there is an endless array of job boards and other similar websites for small to mid-size...\nAn HR department is an essential part of any company, as it plays an active role in almost every area of your corporation. The main focus of human resources is to keep the company strong, successful, functional, and free of costly litigation from lawsuits through sound policies and actions for handling personal matters.\nBy outsourcing your HR department to Southeast Texas HR, you can help your business minimize risk. Employment and labor laws change regularly, and it can be difficult for employers to remain up-to-date on regulations that affect the workplace. Our purpose is to stay ahead of the variety of federal and state employment laws. SETX HR can help your business comply with these laws to avoid costly lawsuits brought on by employees. We maintain and audit company policies and practices to ensure your organization and it’s employees best interest remain protected.\nMaintaining an efficient and productive workplace is critical. Outsourcing your HR department to SETX HR creates greater efficiency with your human resource systems. The advanced HR technology that we utilize help streamline functions such as payroll, benefit administration and compliance management. We help employers and managers spend less time doing paperwork and more time dedicated to improving the efficiency and effectiveness of the workforce.\nThere are a number of reasons why recruitment and staffing decisions are crucial to any business.\nStaffing the wrong employees into the wrong roles will impact overall organizational performance. People who are not qualified for or do not have the experience to perform will impact key areas of your business performance, including profitability.\nThere will be an impact on team performance and morale if staff recruited are not appropriate for their roles. If existing employees see many new recruits arrive and then leave, the impact on moral can be a detrimental factor impacting performance.\nEmployees will be subject to higher stress and pressure if they are placed in inappropriate roles. The impact on employees of wrong recruitment and staffing decisions should not be overlooked. Existing employees may suffer as they attempt to undertake roles they are not qualified for or do not have the experience to effectively perform.\nSoutheast Texas HR can help your company eliminate these issues now and in the future to maximize the effectiveness of your employees with proper recruitment and staffing.\nToday’s competitive business environment demands that companies find better, more efficient ways to manage their significant employee benefits investment. At the same time, results from these benefit plans are increasing.\nAs a leading provider of benefits administration for large or small organizations, Southeast Texas HR provides comprehensive solutions focused on what our clients need the most. We help to manage costs, drive participant outcomes and satisfaction, reduce risk and improve compliance. For our client’s employees, our solutions drive better outcomes, like improved health and financial security, by providing the tools and support needed to promote better decisions about their individual benefits. Southeast Texas HR can provide these tools through an exceptional customer experience, resulting in improved satisfaction and engagement.\nWhen it comes to employee benefit plans, human resource professionals like you face multiple challenges today: health care reform, rising costs, shrinking budgets and frequently changing legislative and regulatory requirements. It is essential for employees to understand the value and features of your benefit plan so your organization gets the most from its benefits investment. Southeast Texas HR offers deep insights and practical expertise to help you face these challenges.\nSoutheast Texas HR consulting can provide instant expertise to your organization and business. If you already have a full-time staff to manage all areas of Human Resources, we can compliment your existing abilities and fill any gaps. We can provide technical expertise to streamline HR administration by developing internal policies, employee benefits, training programs, and professional management systems.\nSETX HR can save your company time and money by eliminating the need for an in house HR manager. We can provide the outside perspective needed to make your organization run more efficiently and effectively. We have advised clients on organizational change to reduce cost, maximize the use of resources, and improve customer service. SETX HR will draw on our diverse experience to implement change while minimizing disruptions in the functioning of your company.\nWe provide expert consulting in all areas of the HR process: payroll, recruiting, benefit administration, regulatory compliance, and risk management.\nThere is more to managing business payroll than writing checks and handing them out to employees on time. Southeast Texas HR understands this and can help. We keep accurate records, calculate and pay payroll taxes, and communicate effectively with employees. Many small business owners are finding that by using SETX HR to handle their payroll, they can simplify the process to manage the process cost efficiently and effectively.\nUsing an outsourced payroll solution is typically more efficient for companies than processing payroll internally. Leaving payroll to experts like Southeast Texas HR can free up hours that you can devote to other important parts of your business. Whether it is your time, staff time, or a combination of the two, chances are that your hours can be better spent winning more business, improving customer service, fine tuning business operations, or launching a new product line.\nMany business owners underestimate the cost of processing payroll internally by failing to account for all hours spent and resources allocated to pay employees and maintain payroll paperwork. A thorough cost assessment usually proves that businesses can save substantial funds by outsourcing their payroll processing to Southeast Texas HR to track and file payroll for them. Let SETX HR show you how we can save your business time and money by handling payroll for you.\nRecruitment - Employee recruitment, including interviewing and selecting new hires. This also includes monitoring personnel resources to determine when recruitment is necessary to benefit the company.\nTraining - Training new hires and continuing education of established employees can be the role of SETX HR. Ongoing employee training is essential for a company to maintain its level of professionalism and skill.\nEmployee Benefits - Management of benefits include offering and processing applications and claim forms, as well as distribution of information about your specific benefit programs. SETX HR is always available to answer questions you or your employees may have about their benefit packages.\nStaff Database - Southeast Texas HR can provide a staff database that includes all of the information a company needs on every employee, such as personal information, job responsibilities, training, benefits, discipline records, and performance assessments. We will manage this database for you and ensure all information is readily available when needed.\nLegal Compliance - SETX HR understands the various labor laws and its importance to the human resources department. We can manage all levels of employees with information on federal and state laws on breaks, lunches, overtime, wage laws, safety, drug free workplaces, and discrimination.\nProtection - Southeast Texas HR protects the interest, image, and success of your company in every way possible by complying with various laws, executing administrative processes, payroll distribution, and creating policies in the most cost efficient manner.\nI think I speak for everyone at our company when I say that we have received much more than we expected. We now have a professional HR department meeting our specific needs at a cost that is within budget. Thank you from all of us.\nWhen I heard about Southeast Texas HR, I was interviewing potential HR applicants to join my staff. When I realized I was about to hire an applicant with a lot less experience to do the job at triple the price the decision to go with Southeast Texas HR was a no-brainer. Now I’m using the money I saved to help me grow my company.", "label": "Yes"}
{"text": "At the end of each month, Ezoic will pay you for the ad revenue from the previous month. In order to collect those earnings you will need to update your payment settings to reflect the way in which you would like to be paid.\nTo select your payment settings please go to Account (on the top right hand corner of the screen) > Payment Settings.\nOn this page you can choose your payment threshold and form of payment. Payments will go out at the end of the month between the 27th and 31st. Whatever payment methods is in the system at the time payments are made, will be applied for that month.\nThe default threshold is $20, but that can be changed to whatever threshold you prefer.\nThere are also a number of payment methods you can choose from including:\n1) Cheque - requires name and address\n- Paper check is sent in USD by regular mail\n- Recommended for USA and Canada ONLY as mail sent overseas can cause significant delays\n2) Paypal - requires only Paypal address\n3) US Bank Transfer Via Payoneer - will deposit money directly into your domestic account\n4) International Bank Transfer Via Payoneer - will deposit your money directly into your international account in the currency of your country:\nFor all other countries Payoneer will deposit the money for a 2% conversion fee or a $15.00 fee for deposit in USD.\n*Both Payoneer options will direct you to their setup page.\nMake sure to save all changes! And just another reminder - you can always update your payments settings later if you would like to receive payments in another form.", "label": "Yes"}
{"text": "Loan vs. Line of Credit: An Overview\nA loan and line of credit are two different ways that businesses and individuals can borrow from lenders. Loans have what's called a non-revolving credit limit, which means the borrower only has access to the amount loaned once, and they subsequently make principal and interest payments until the debt is paid off.\nA line of credit, on the other hand, works differently. The borrower receives a set credit limit—just like with a credit card—and makes regular payments composed of both a principal and interest portion to pay it off. But unlike a loan, the borrower has continuous and repeated access to the line of credit while it is active.\nApproval for both loans and lines of credit (also referred to as credit lines) are dependent on a borrower's credit rating and financial history, along with their relationship with the lender.\n- Loans and lines of credit are types of bank-issued debt that depend on a borrower's needs, credit score, and relationship with the lender.\n- Loans are non-revolving, one-time lump sums of credit that a borrower normally uses for a specific purpose.\n- Lines of credit are revolving credit lines that can be used repeatedly for everyday purchases or emergencies in either the full limit amount or in smaller amounts.\nWhat Is a Loan?\nA loan comes with a specific dollar amount based on the borrower's need and creditworthiness. Like other non-revolving credit products, a loan is granted as a lump sum for one-time use, so the credit advanced can't be used over and over again like a credit card.\nLoans can come in two general forms: either secured or unsecured. Secured loans are backed by some form of collateral—in most cases, this is the same asset for which the loan is advanced. For instance, a car loan is secured by the vehicle. If the borrower doesn't fulfill their financial obligation and defaults on the loan, the lender can repossess the car, sell it, and put the proceeds toward the remaining loan balance. If there's an outstanding amount, the lender may be able to pursue the borrower for the rest.\nUnsecured loans, on the other hand, are not backed by any form of collateral. In most cases, approval for these loans relies solely on a borrower's credit history and is generally advanced for lower amounts, and with higher interest rates, than secured loans.\nSecured loans normally come with lower interest rates because of the low level of risk associated with them. Since most borrowers do not want to give up the collateral, they are more likely to keep up with their payments—and if they do fail to repay the loan, the collateral still retains much of its value for the lender. Unsecured loans, though, often cost borrowers far more in interest. The rate will also depend on the type of loan an individual or business takes out.\n|Loan vs. Line of Credit|\n|Loan||Line of Credit|\n|The borrower only has access to the amount loaned in one lump sum.||A line of credit is a preset borrowing limit that can be used at any time, paid back, and borrowed again.|\n|A loan is based on the borrower's need, such as purchasing a car or a home.||Credit lines can be used for any purpose.|\n|On average, closing costs (if any) are higher for loans than for lines of credit.||Credit lines tend to have higher interest rates than loans.|\n|Interest accrues on the full loan amount right away.||Interest accrues only when funds are accessed.|\nTypes of Loans\nThe following are just a few common types of loans issued to borrowers by lenders:\nA mortgage is a specialized loan used to purchase a home or other kind of property and is secured by the piece of real estate in question. In order to qualify, a borrower must meet the lender's minimum credit and income thresholds. Once approved, the lender pays for the property, leaving the borrower to make regular principal and interest payments until the loan is paid off in full. Because mortgages are secured by properties, they tend to come with lower interest rates than other loans.\nLike mortgages, automobile loans are secured. The collateral. in this case, is the vehicle in question. The lender advances the amount of the purchase price to the seller—less any down payments made by the borrower. The borrower must adhere to the terms of the loan including making regular payments until the loan is paid in full. If the borrower defaults, the lender can repossess the vehicle and go after the debtor for any remaining balance. Often, car dealerships or the automaker will offer to serve as the lender.\nDebt consolidation loan\nConsumers can consolidate all their debts into one by approaching a lender for a debt consolidation loan. If and when approved, the bank pays off all the outstanding debts. Instead of multiple payments, the borrower then is only responsible for one regular payment, which is made to the new lender. Most debt consolidation loans are unsecured.\nHome improvement loan\nThese loans may or may not be secured by any collateral. If a homeowner needs to make some repairs to their home, they can approach a bank or other financial institution for a home improvement loan. It allows the homeowner to take out funds to make much-needed renovations.\nThis is a common form of debt used to fund qualified educational expenses. Student loans—also called educational loans—are offered through federal or private lending programs. They often rely on the student's parents' incomes and credit ratings and not the students', although the student becomes responsible for repayment. Payments are typically deferred while the student attends school and for the first six months after graduation.\nThese loans are also called commercial loans. Business loans are special credit products issued to businesses—small, medium, and large—to help them buy more inventory, hire staff, continue day-to-day operations, or when they just need an infusion of capital.\nIn addition to interest, borrowers generally pay other charges for loans, such as application fees and loan origination fees.\nWhat Is a Line of Credit?\nA line of credit works differently from a loan. When a borrower is approved for a line of credit, the bank or financial institution advances them a set credit limit that the person can use over and over again, all or in part. This makes it a revolving credit limit, a much more flexible borrowing tool. Unlike loans, credit lines can be used for any purpose—from everyday purchases to special needs such as trips, small renovations, or paying down high-interest debt.\nAn individual's credit line operates much like a credit card, and in some cases, like a checking account. Similar to a credit card, individuals can access these funds whenever they need them as long as the account is up to date and there is still credit available to use. So, if you have a credit line with a $10,000 limit, you can use part or all of it for whatever you need. If you carry a $5,000 balance, you can still use the remaining $5,000 at any time. If you pay off the $5,000, you can then access the full $10,000 again.\nCredit lines tend to have higher interest rates, lower dollar amounts, and smaller minimum payment amounts than loans. Payments are required monthly and are composed of both principal and interest. Lines of credit usually create more immediate, larger impacts on consumer credit reports and credit scores. Interest accumulation only begins once you make a purchase or take out cash against the credit line.\nSome credit lines also function as a checking account. This means you can make purchases and payments using a linked debit card or write checks against the account.\nTypes of Credit Lines\nThe three common types of credit lines are personal, business, and home equity:\nPersonal line of credit\nThis is an unsecured line of credit. Just like an unsecured loan, there is no collateral that secures this credit vehicle. As such, these require the borrower to have a higher credit score. Personal lines of credit normally come with a lower credit limit and higher interest rates. Most banks issue this credit to borrowers indefinitely.\nBusiness line of credit\nThese credit lines are used by businesses on an as-needed basis. The bank or financial institution considers the company's market value and profitability as well as the risk. A business credit line can be secured or unsecured based on how much credit is requested, and interest rates tend to be variable.\nHome equity line of credit (HELOC)\nHome equity lines of credit (HELOCs) are secured credit facilities commonly backed by the market value of your home. A HELOC also factors in how much is owed on the borrower's mortgage. The credit limit for most HELOCs can be as high as 80% of a home's market value less the amount owing on your mortgage.\nMost HELOCs come with a specific drawing period—usually up to 10 years. During this time, the borrower can use, pay, and reuse the funds over and over again. Because they're secured, you can expect to pay lower interest for a HELOC than you would for a personal line of credit.", "label": "Yes"}
{"text": "Tendersontime provides online Algeria Government tenders, Algeria RFQ and RFP Info. Tendersontime is the biggest content aggregator of Public procurement opportunities and make the content available for syndication and corporate across the globe.\nAlgeria Public Procurement is governed by Public Procurement Regulations (PPR) which was passed by Presidential Decree no. 15-247 on 16 September 2015. This decree supersedes all previous regulation on Public Contracts.\nUnder the new decree the thresholds for procurement has been raised as below: Works and Supply Contracts- 12,000,000 Dinars; Service Contracts-6,000,000 Dinars. The new decree prohibits negotiations in public contracts. It also promotes domestic industry by ensuring National Competitive Bidding where ever possible. In cases where a foreign firm has won the contract then they must subcontract 30% of the contract value to local Algerian company.\nWe cover tenders from all industry segments in Algeria like: Printing Tenders, Furniture Tenders, Chemicals Tenders, Machinery and Equipment Tenders, Mining Tenders, Fire Safety and Security Tenders, Laboratory Equipment Tenders, Sports Tenders, Algeria Telecom Tenders, Healthcare Tenders, Pharma Tenders, Algeria Defence Tenders, Electrical Tenders etc.\nTendersontime process total 30K+ Tenders per day from all industry segments. In Algeria Public Procurement system we cover: Energy and Power Tenders, Industrial Automation Tenders, Renewable Energy Tenders, Non-Renewable Energy Tenders, Water and Sanitation Tenders, Transportation Tenders, Aviation Tenders, Marine Tenders, Roadways Tenders, Banking, Finance Services and Insurance (BFSI) Tenders, Information Technology Tenders, Technology Hardware and Equipment Tenders, Algeria Software Tenders, Smart Cards and Access Control System Tenders and GIS/ GPS Tenders. Visitors can register on the site and get a free trial to assess the quality and coverage of the information. However paid members can download the complete tender document wherever available.\nWe cover all three type of procurement in Algeria like: Algeria Works Tenders, Algeria goods & Supply Tenders and Algeria Consultancy Tenders. Paid members get unrestricted access to Algeria Government Tenders, Engineering Tenders, Engineering Procurement and Construction (EPC) Tenders, LSTK Projects, Human Resource (HR) Tenders, Algeria BOT Projects, Management, Business and Administration Consultancy Tenders, Travel and Tourism Tenders, Architecture and Urban Development Tenders, Algeria Oil and Gas Tenders, Education and Training Tenders, Infrastructure and Construction Tenders, Algeria Roads and Highways Tenders, Bridges and Tunnels Tenders, Algeria Airports Tenders, Environment and Pollution Tenders and Construction Material Tenders.\nApart From Providing Algeria Government tenders, Tendersontime provides end to end bid consultancy and facilitation services with the help of local agents in 40+ countries.", "label": "Yes"}
{"text": "Average Monthly Cost Of Car Insurance\nHere we will explain how you can get the cheapest monthly car insurance for your particular situation, plus we show you monthly car insurance costs by state so you know what to expect to pay in your area. One example: average monthly car insurance for $39.\nThose premiums can put a major dent in your monthly budget, especially if you have factors that raise your car insurance costs above average. See the average cost of car insurance for a six-month policy. Plus, see some of the main reasons why car insurance costs what it does in your state.\nUnderstanding car insurance average rates can help guide you as you shop for the right auto insurance policy. On average, Americans spend $125 a month, or $1,503 for an annual rate, on car insurance, according to a study done by ValuePenguin.\nBut for what it’s worth, the average amount spent to insure a car in the U.S. was $815 a year in 2012, according to the National Association of Insurance Commissioners. However, as anyone who pays much less — or more — than $815 a year can tell you, there are a lot of variables that affect your car insurance rates.", "label": "Yes"}
{"text": "You will find too instances that are many the us government gets more involved than necessary in personal enterprise. The very last thing individuals must do is require is extortionate legislation of company in an economy that is free.\nBut that’s precisely what the Sunflower Community Action team has been doing. They’ve been working — and also been for just two years — to obtain more legislation for cash advance businesses.\nThey truly are calling for capping mortgage loan charged by these organizations, making it more «fair» for his or her clients. Yet, whenever every one of the fact is available to you, the solution payday advances offer doesn’t appear therefore unreasonable.\nThose facts consist of:\n– the firms are merely permitted to stop trying to two loans at any one time and energy to an individual.\n– they may be able just offer loans as much as $500.\n– Loans plus interest needs to be repaid in complete before a loan that is new provided.\n– there was a cap in the rate of interest (that is a rate that is annual of %).\nThat appears like a serious regulations that are few protect customers the way in which it really is.\nAn individual can visit one or more pay day loan center to have loans, but that might be their option. And yes, they could spend that loan straight straight right back and turnaround and go on it straight back away, thus never ever actually being financial obligation free. Once Again that is their option.\nIn reality, it’s a man or woman’s option in the first place to head into a pay day loan. An individual goes into once you understand whatever they provide and therefore interest will also be due. Just just exactly What should always be being advocated the following is perhaps maybe maybe not legislation but responsibility that is personal.\nThat appears to be something which is provided less and less consideration. Numerous people utilize these companies for many reasons, none of that are business of this Sunflower group.\nThese lenders keep showing up in communities all over the nation. Why? Because evidently there clearly was a need for them.\nThe regulation that is newest being demanded is a limit of 36 % on rates of interest. To start with, that don’t seem unreasonable, and soon you consider the bucks included.\nBecause the price is a annual price, that breaks right down to just a little over $1 interest for a $100 loan for a fortnight. Demonstrably, company wouldn’t be in a position to carry on that way.\nAs soon as stricter laws begin, you will find a true wide range of places where they are often argued become required. Instead, the solution nevertheless is apparently that individuals should really be better educated on funds and just just take obligation with regards to their very own actions. I’m sure I am going to keep in recommended you read mind the course We discovered the time that is next visit buy a vehicle.\nIf a person gets trapped in an online payday loan cycle, they ought to study on their errors, discover a way out and remember the difficulty it may cause. Other individuals who do use these organizations responsibly whenever just a little cash that is extra required shouldn’t be penalized as a result of those who find themselves reckless. It these continuing companies are closed down, that is just what will take place.\nLA – a loan that is payday owner pleaded responsible right now to a federal criminal fee for defrauding cash transmitting organizations by failing woefully to remit for them, as promised, almost $1 million of cable transfers delivered on the part of their customers over simply fourteen days.\nArsen Khumaryan, 41, of Glendale, pleaded responsible to a single count of cable fraud. united states of america District Judge John A. Kronstadt has planned a January 28 sentencing hearing, of which time Khumaryan will face a statutory maximum phrase of 20 years in federal jail.\nKhumaryan has Ask Inter Inc. (AII), a company that is glendale-based does business as Monroe’s wage advance, an economic solutions and check-cashing shop. AII had been a realtor of MoneyGram and Ria cash Transfer, companies that quickly offer money for the cost to people and organizations looking for it.\nAs a key part of AII’s agreements with MoneyGram and Ria, Khumaryan ended up being expected to deposit as a trust account the funds he received from their clients. Following the wire transfer demands had been made, MoneyGram and Ria would make use of their funds that are own wire cash towards the recipients. AII had been then needed remit the clients’ funds through the trust account to MoneyGram and Ria no later on than one company time following the consumer asked for the wire transfer. In return for attempting to sell MoneyGram and Ria’s services and products, the firms compensated AII a payment in line with the costs gathered from clients.\nRelating to their plea contract, may 23, 2018, Khumaryan promoted on social networking that clients at their shop could wire cash, utilizing MoneyGram and Ria, around the globe without having to pay any charges, and could cash checks from Ria without charges throughout the future Memorial Day week-end. Khumaryan admitted he knew that MoneyGram and Ria hadn’t decided to waive their cable transfer charges, nor had Ria consented to waive its check-cashing costs.\nBetween May 23 and June 6, 2018, Khumaryan caused MoneyGram to deliver about $795,338 to recipients through its cash transfer system. He additionally caused Ria to send 376 cable transfers totaling around $130,328 to recipients throughout that ongoing organization’s money transfer system. Khumaryan pocketed the clients’ funds as opposed to remit them into the organizations per their obligations that are contractual evoking the organizations to get rid of significantly more than $925,000. No MoneyGram or Ria clients had been suffering from Khumaryan’s fraudulence. This case is MoneyGram’s biggest loss in the usa involving a representative’s misappropriation.\nIn addition, Khumaryan knowingly caused 16 bogus checks totaling about $104,057 become prepared through Ria’s cash check-cashing system, the plea contract states.\nKhumaryan additionally admitted to publishing around $137,303 in fraudulent re re re payments on individual charge cards granted to him by a company identified within the plea contract as business 3 by drawing against reports he knew had funds that are insufficient protect their payments.\nThe total losses in this instance are $1,167,026, Khumaryan admitted.\nThis matter ended up being examined because of the FBI and Homeland Security Investigations.\nThis instance has been prosecuted by Assistant united states of america Attorney Valerie L. Makarewicz associated with the Major Frauds Section.", "label": "Yes"}
{"text": "By Onu Okorie\nFormer Deputy Governor of Central Bank of Nigeria CBN Prof. Kingsley Moghalu has warned the National Assembly against passage of a bill to remove the CBN Governor as Chairman of the bank’s Board of Directors. This was part of a statement made available to the media yesterday in Lagos.\nMoghalu explained that step to remove the power of the board to fix the bank’s budget and set the salaries of its staff was completely wrongheaded and should be dropped.\nAccording to Moghalu, such an amendment to the CBN Act of 2007 will finally destroy the institution by disrobing it completely of its institutional independence as enshrined in the Act.\n“It will make the bank, a statutory corporation under the law, to become a Ministry or a mere Agency or Department of the government.\n“And it will render the bank an open playground for politicians,” Moghalu said.\nAccording to him, the CBN has already been politicised since mid-2014 when its current governor was appointed.\n“This proposed bill, if passed, will legalise an abnormality and worsen it, when what we should be doing is seeking to reverse an anomaly that has had hugely negative consequences for the Nigerian economy,” he added.\nMoghalu said that there were very good reasons why the governor of the bank is the chairman of its board of directors.\nHe described this as the case in most central banks around the world.\nMoghalu said: “This framework protects central banks from external interference.\n“Central bank’s policies and its internal administration should objectively advance the interest of the national economy, not the partisan agendas of political parties or individuals.\n“Imagine, a prominent politician from the APC or PDP or any other party appointed the board chairman of the CBN.\n“Well, some will argue that this has already happened, when its governor (and chairman of the CBN board) was aspiring to contest to become the President of Nigeria in 2023, on the platform of the ruling party while refusing to resign his position in the bank.”\nHe explained that it was part of the required independence that the CBN created its own budget and set its staff pay.\nAccording to him, it is no accident that the CBN is arguably the top repository of public sector talent in Nigeria.\n“This is because of massive investments by the bank in staff development, coupled with high standards of recruitment (at least during the time I was there, I can’t speak for afterwards).\n“What the CBN needs is a new lease of life after the 2023 elections and a new, more professional, competent and depoliticised institutional leadership after the tenure of the current governor ends.\n“But the political will from a President who understands why the bank should not be turned into a political appendage of the ruling party will be required.\n“This in turn requires an elected political leader who understands economics and how national economies, including the proper role of an independent central bank, should function,” he added.\nMoghalu said that it was right that the CBN be accountable, “but let’s not throw the baby away with the bath water.”\nHe said that the CBN Act already required the Bank to periodically brief the national assembly on its operations.\nAccording to him, the President of Nigeria approves and signs the bank’s Annual Reports (strangely, there has been no annual report for the past few years), and in addition is empowered to approve any change to the legal tender and any investment by the bank outside Nigeria.\n“What needs to be done is to make these accountabilities effective, not to gut one of the most unique and important institutions in any country, the unique nature of which requires its independence to work effectively for the government and citizens.” Moghalu said.\nThe bill which sought to remove the governor of Nigeria’s apex bank, CBN, as chairman of its board, has scaled second reading at the Senate.\nThe bill, sponsored by Sadiq Suleiman Umar (APC, Kwara North), sought to amend the CBN Act to enable the appointment of a person other than the governor as the chairman of its board.", "label": "Yes"}
{"text": "Re-built in record time, the new advanced distribution centre for home entertainment media:\n- supports local economy\n- capitalises on skills and expertise of existing employees\n- future-proofs business towards industry advancements\nLondon, UK, 14 September 2012 – Sony today officially opened its newly built UK distribution centre in Enfield, North London – a provider of around a quarter of the UK’s home entertainment media – after the original building was destroyed by fire during the London riots in Summer 2011. The opening was attended by Prime Minister, David Cameron, who praised Sony for its efforts in retaining local employees through utilising the original site. The new, more advanced distribution centre was built against all odds in record time in order to be fully operational with stock for the peak Christmas sales period which accounts for 50% of annual revenue. It is operated by Sony’s global subsidiary Sony DADC, a leading production and distribution supplier of CD, DVD, Blu-ray Disc and digital media products for the international content industry.\nSpeaking at the opening of the new site David Cameron said, “The riots last summer were devastating for many local communities and the businesses within them. I’ve heard today how upsetting it was for the employees here at Sony DADC to see the building they had worked in – some of them for many years – reduced to rubble. But I want to commend Sony for seeing this as an opportunity to rebuild an even better facility and for protecting the jobs of those employed here while they did it. The fantastic new distribution centre I’ve seen can handle more orders and has created the potential for more jobs in the area. I’m delighted to be here to wish Sony well as they move back to their home in Enfield today.”\nAround 25% of Britain’s total stock of home entertainment discs (like CD, DVD and Blu-ray Disc) was destroyed by the fire, which could have had a devastating effect on retailers as well as major and independent rights holders. “Thanks to the dedication of our employees, contractors, suppliers and customers we have managed to pull off the impossible and re-establish our business in time for our busiest trading period and kept alive the businesses that depend on our services.” said Natasha Tyrrell, General Manager Distribution at Sony DADC UK who has spearheaded the recovery and development strategy.\n“We are incredibly proud of the team in Enfield and of the ambitious re-build project, which together, we have made a huge success. Our main aim in this past year has been to continue to service our customers to our full potential and retain our skilled local workforce”, added Tyrrell, “This is a significant investment for us and demonstrates our commitment to developing our business despite an increasingly challenging environment in the packaged media (CD, DVD, Blu-ray Disc) industry. Capitalising on the skills of our employees, our cross-section of customers in the entertainment industries of home video, music, games and software and our ability to adapt our services, means we are in an excellent position to drive new business.”\n“It was the fastest ever build of its type in the UK with an overall construction and fit out period of 23 weeks. This enabled the site to become fully operational after just 11 months following the devastation caused by the arson attack”, stated the principle contractor ISG Retail. The new complex is 6.6 feet (two meters) higher than its predecessor, contains three office floors (one more floor than previously) stretching over 326,000 square feet (30,286 sqm) and incorporates high technology investment such as 4th generation conveyor and warehouse management systems. Especially recognising the need for top-level security, the Enfield site has adopted a new security concept that will increase the protection of staff, customer goods and the premises.\nThe new distribution centre provides a peak throughput capability of approximately 1.2M units and can currently cater for around 55,000 titles per day, shipped to 20,000 retail addresses all over the UK and Ireland. As with the previous distribution centre, the service portfolio consists of physical handling and packing, testing and verification, distribution planning as well as financial services. Now, with an increasing focus on offering B2C distribution and retail services in addition to B2B services, Sony DADC is well equipped to accommodate an expanding product and services portfolio, future-proofing itself against an evolving industry. The UK distribution centre is part of Sony DADC’s global network that comprises approximately 30 sites in 19 countries worldwide.\nJust two days prior to the opening in Enfield, on September 12, Sony DADC opened its new, larger Central London office location at 20 Rathbone Place due to the increasing demand for Sony DADC’s digital media distribution services. Serving as the main European hub for Sony DADC New Media Solutions, the 20,000 square foot digital media facility offers clients a central location and integrated global network infrastructure. It combines physical and digital creative services and supply chain solutions under one roof to provide greater efficiencies and better client support across all lines of business.\nAbout Sony DADC\nSony DADC is a leading end-to-end services provider for the entertainment industry and beyond, offering world-class physical and digital supply chain solutions and optical media replication services. The company’s network consists of service offices, optical media production and distribution centres worldwide.\nOffering an integrated entertainment experience through its electronics, mobile, music, pictures, game and the Sony Entertainment Network, Sony is uniquely positioned to be one of the world’s leading consumer brands. Sony is renowned for its audio-visual products in both the consumer and professional markets, such as the BRAVIA™ LCD high-definition (HD) television, Cyber-shot™ digital camera, Handycam® camcorder, “α” (pronounced Alpha) digital SLR camera, Xperia™ Tablet and Walkman® MP3 player as well as its VAIO™ personal computers and 3D HD professional broadcast equipment.", "label": "Yes"}
{"text": "MNI BRIEF: Path To Lower Inflation Gradual and Uneven-Irish CB\nIrish central bank says inflation slowing, but future path increasingly likely to be led by domestic factors.\nIrish inflation is easing, helped by by tighter monetary policy, but it remains high and its future path sensitive to potential global shocks and the persistence of buoyant domestic demand, the Central Bank of Ireland noted in its latest Quarterly Bulletin.\nIn the release published Tuesday, the central bank said domestic inflation will dip to an average 5.4% this year and 2.3% by 2025 -- a touch above the ECB's average projection for the whole of the eurozone.\nHeadline harmonised inflation's path back to lower levels is likely to be gradual and uneven, said Robert Kelly, Director of Economics and Research, noting that the contribution of external drivers has declined, with domestic factors playing an increasingly important role in price dynamics over the forecast horizon. Reflecting the stronger role of domestic factors in driving services inflation in particular, Kelly said core inflation (excluding energy and food) is expected to be more persistent, and average 2.7% in 2025.", "label": "Yes"}
{"text": "We expect good growth in current fiscal based on strengthening rural demand: Rakesh Bharti Mittal, CII President\n\"The growth in FMCG and auto sectors has picked up. The rural economy is also looking brighter and the sales of farm equipment and tractors is seeing a good growth,\" said Mittal.\nThings are changing for good in rural India, cash flows to sustain in election year: Ramesh Iyer, M&M Financial\n“All that we have done over a...\nMarket Now: Capital goods index down; Reliance Naval and Engineering plunges over 14%\nEquity benchmarks were trading with little gains.\nWhy manufacturing on its own can't solve Indian jobs crisis\nWorld Bank data shows India need a GDP growth of 18% over 20 years to solve its job puzzle. To solve the crisis, it is imperative India refrains from 'doing a China'.\nCaterers, canteens seek clarity on GST\nOutdoor catering attracts 18% GST, while canteen services face 5%. The levy on supply of food or beverages by facilities such as a mess or canteen was reduced to 5% in November.\nIndia may face pressure to cut duties on 90% of goods traded with China\nOfficials say that China, which has till now not pushed to fast track negotiations in the RCEP, has shown a new keenness to engage actively ahead of the talks.\nMore then one change per day made by Govt in GST: Export promotion council for SEZs\nExporters flagged concerns related to refunds, exemption of GST, classification of Goods and services and place of supply for service exports and GST Network at the meeting.\nLevy on free services: Banks to ask government to recall tax demand\nIn a notice served earlier this month, all banks were asked to pay service tax, penalties and interest on free services offered to customers.\nBangladesh, Nepal trial bus service reaches India\nThe buses left Dhaka for Kathmandu yesterday and reached Siliguri, in India, around 4.15pm today, officials said.\nMarket outlook: Nifty50 likely to open in green; use dips to buy\nFriday is likely to see the levels of 10,650 and 10,735 acting as immediate resistance.\nBangladesh, Nepal launch trial bus service through India\nThe proposed commercial bus service comes under the purview of a pact signed by four countries- Bangladesh, Bhutan, India and Nepal- in June 2015.\nStartups now hunting for talent across the world\nWhile some are roping in talent from markets such as the US, Europe and China, most are scouting for Indian professionals with an international stint.\nBengaluru dhabas get an urban revamp, move from highway to high-streets\nThe move didn’t deter the rustic cuisine imported from the highways of Punjab and Agra.\nThese stocks will benefit from a good monsoon\nThe stock market usually reacts positively to normal monsoon as it leads to increased farm production and increased demand from rural areas.\nRupee recoups 15 paise to 66.75 against US dollar\nOverall, forex market sentiment remained subdued due to sustained rise in crude oil prices, stirring up more concerns over widening trade deficit.", "label": "Yes"}
{"text": "+1 212 318 2000\nEurope, Middle East, & Africa\n+44 20 7330 7500\n+65 6212 1000\nJohn Mack and Morgan Stanley have shared a few near-death experiences over the years. Mack, who will leave his post as CEO at the end of the year, is hailed...\nBusinessWeek's Adrienne Carter, Jessica Silver-Greenberg, and David Henry deconstruct the mysteries of high finance, Wall Street, and hedge funds for pros and ordinary investors. E-mail them directly if you've got tips about big deals, a hedge fund, or even securities industry gossip.", "label": "Yes"}
{"text": "You can hear on the way this matrix guy kills 2 kpa soldiers with jester in tow no enemies at all just have you running toward where the guy. Strategy analysis the strategic analysis of nintendo has been conducted at the 21 corporate level strategy at the corporate level, nintendo is following an.\n752 the directional policy (or ge–mckinsey) matrix 280 753 the used as a way of generating strategic options by using the tows matrix as shown in. The swot analysis of verizon analyses verizon communications as a company verizon is a leading telecom operator and data provider in.\nWell as an array of sophisticated and advanced its unique tow cutting and adding system at full speed stock, number of tows, as well as the tow width (1/8 '',. Swot nintendo 1 n64, gamecube, wii portable consoles: gameboy(s), nintendo ds nintendo marketing strategy analysis and proposal. Nintendo was another company that appeared in the 1990's with some video game the tows matrix – a tool for situational analysis long.\nTo enable the carrying out of this analysis, some off-the-shelf techniques, pest and swot analysis, tows and ansoff matrix and the strategic clock, strategic analysis for nintendo co the cost of professional selling. television shows streaming to game consoles -‐ nintendo wii, swot analysis shipping costs streaming capabilities weaknesses tows matrix background - industry - swot - sfas - porters 5 forces - tows 19.\nMacro micro environment analysis swot homework service the micro and macro environment analysis in terms of swot analysis, tows matrix, portfolio macro and micro environment analysis for nintendo macro environment in essence a.\nThe bcg matrix for powerpoint, short for boston consulting group, is an idea designed free tows matrix for powerpoint check more at .\nEic analysis examines the conditions in the entire economy and then ascertains the if the price of nintendo is enhanced then the new video game customers are switch tows matrix definition | analysis and strategies. Nintendo brand covers the brand analysis in terms of swot, stp and competition along with the above analysis, segmentation, target group and positioning the.", "label": "Yes"}
{"text": "Bronswerk Heat Transfer brings heat pump to the market\nMaking production more sustainable and low-cost; this is feasible with the innovative heat pump application that ECN has developed together with industrial partners. With a heat pump, the temperature from the waste heat of an industrial process can be pumped up from 60 to maximally 140 degrees Celsius. At this temperature, the heat can be deployed again, for example for the production of steam. The technology is currently being tested in the paper industry.\nThe warehouse of Smurfit Kappa in Roermond (Photo Smurfit Kappa Group)\nOn 5 July, Bronswerk Heat Transfer, global technology supplier in the field of heating and cooling, signed a license agreement with ECN. Bronswerk will bring to the market the heat pump that it developed together with ECN and the IBK Groep. The company sees promising prospects. ‘All sustainable technologies can be earned back; energy and cost savings are an important incentive to make the switch,’ director Sjaak Remmerswaal explains.\nThe heat pumps are currently already being tested on a small scale (200 kW) by packaging specialist Smurfit Kappa in Roermond. The paper industry is a large energy user and is a very suitable candidate for using waste heat. Other industrial processes such as the production of foods and building materials can also be made substantially more efficient by using heat humps.\nAre you curious about the opportunities of heat pump technology? Anton Wemmers will gladly give you more information. Give him a call at +31 (0)224-56 4376.", "label": "Yes"}
{"text": "Nissan has Qashqai all figured out after 10 years at the top of crossover class\n- Credit: Nissan\nNissan has focused on the number 10 as the Qashqai celebrates a decade of sales success and crossover leadership.\nTo mark its Qashqai's 10th anniversary, Nissan has released an all-new video showcasing some of the other numbers which have made the Qashqai Europe's best-selling crossover.\nThere's no doubt that 2.3 million – the number of Qashqai sold in Europe since it was launched in February 2007 – is one of the most impressive figures.\nAlso worth noting is the number 21. That's how many rival models have been launched since the Nissan Qashqai pioneered the crossover segment as the industry knows it today. But you can see below why this number is relevant for a very different reason.\nHere are just some of the numbers which have made the Qashqai such a success story for Nissan:\nYou may also want to watch:\n3.3 million – Qashqai sold globally since February 2007, when the car first went on sale.\n2.3 million – Qashqai sold in Europe over the same period.\n- 1 Part of seventh skeleton discovered in city street\n- 2 Aviva to close two large office sites in Norwich\n- 3 Nurse's 'heartbreak' over hospital care as her father dies on Covid ward\n- 4 Councillor 'incandescent' over second-home owners breaking Covid rules\n- 5 Fifteen flood alerts in place amid 'stay indoors' warning\n- 6 Deputy lieutenant of Norfolk sells beloved thatched Broads home\n- 7 'I've lost my pension': Car collection destroyed by 'professional' vandal\n- 8 Norwich sees biggest rise in Covid infection rates in the country\n- 9 Woman in her 20s among 31 Covid patients to die in five days at hospital\n- 10 Timeline: When should you receive the coronavirus vaccine?\n75,000 – the number of 'continuous quality assurance' tests Nissan engineers have carried out on the Qashqai since 2007.\n45,000 – an estimate of how many jobs in Europe are supported by the Qashqai, across Nissan's facilities and with suppliers.\n2,708 – parts in a second-generation Nissan Qashqai.\n2,015 – the year in which the Nissan plant in St Petersburg, Russia started to build the Qashqai, to keep up with customer demand.\n600 – number of days which the Nissan Qashqai's audio system was played at full volume, to ensure it sounds crystal-clear all through the car's life.\n226 – companies which supply parts for the second-generation Nissan Qashqai.\n99 – countries where the Nissan Qashqai is currently on sale.\n81 – major awards which the Nissan Qashqai has won since its launch 10 years ago.\n62 – seconds that it takes for another new Qashqai to roll off the production line at Nissan's state-of-the-art plant in Sunderland, UK.\n21 – months it took the second-generation Qashqai to sell 500,000 units. No other British-built car has reached that total so quickly.\n19 – countries in which the Nissan Qashqai has been voted 'Car of the Year'.\n10 – years since the original Qashqai was launched.\n5 – the number of model variants sold so far. They are first-generation Qashqai (launched 2007); Qashqai+2 (2008); Qashqai minor change (2010); Qashqai+2 minor change (2010); all-new second-generation Qashqai (2014).\n1.5 – the size of the diesel engine, in litres, of the most popular version of the Qashqai. Mated to a two-wheel drive and a six-speed manual transmission, and finished in Pearlescent Black in N-Connecta grade, it's the top-selling model.\n1 – when it comes to crossovers, Qashqai was the first. Nissan invented the segment and remains Europe's best-selling crossover.", "label": "Yes"}
{"text": "This weekend, the American League's Tampa Bay Rays will host the National League's San Diego Padres. This series is exactly why baseball is now on a road to finally adopting the designated hitter in both leagues.\nUntil this year, interleague games were a novelty. It was something to perk fan interest in the middle of the season. Because it was a novelty, it was OK if the two leagues used different rules based on the home team's league.\nBut when the Houston Astros moved to the AL this season, creating an odd number of teams (15) in each league, there must now be at least one interleague series going on at all times.\nInterleague games are now just part of the norm and are no longer a stand-alone oddity that that fans can point to and say, \"hey, look at that.\"\nAnd yet teams playing on the road in interleague play are still forced to play by a set of rules for which their team was not constructed. At some point, the leagues will have to move to a uniform set of rules. And the only thing stopping it now is money.\nWhile fans like to wax poetic about how much better the NL game is, the main reason NL owners don't want the DH is because those players would make a lot more money than the minimum salaried players they would replace.\nBut for the same reason, there is no way the players' union will allow the AL to drop the DH and replace them with low-pay bench players.\nEventually, one side has to cave. And considering only half the owners are in this battle, my money is on the players.", "label": "Yes"}
{"text": "Thursday, December 19, 2013\nSadly it appears that shrimp inflation is upon us. A recent report has identified a spike in the price of shrimp in the high teens and land-based protein inflation running into the mid-single digits. Indeed, even a basket of groceries notched a 2.4% increase in the second quarter. For an economy in many respects still emerging from the 2008/2009 financial crisis, this isn't good news.\nWe're now seeing solid evidence of food inflation. Add that to increases in health care costs, housing, and most notably eduction, and we have the beginnings of an inflationary environment. Some argue true inflation is currently running in the mid-single digits; if your personal consumer price index (CPI) includes food, housing, medical care, and education it probably is, if you prefer to use the established CPI like the Federal Government of tons of soybeans and computer processing power, you probably haven't seen a cost of living increase in decades.\nAlthough the prospect of shrimp inflation may seem laughable to many readers, those who wish to Invest Like A Farmer should pay heed to inflationary signals, even in such small data points as shrimp; these can have jumbo implications for the financial farmer. Inflation eats away at your real returns; even a 27% increase in the S&P 500 eventually succumbs to inflationary pressure. This has the possibility of impacting both the wallet and palate of the average investor. Inflation is truly an enemy of the Republic and is most notably the sign of a fiscal and monetary policy run amok.\nI read this shrimp inflation report as a solid signal that wholesale food costs are going to be rising markedly, which means REAL purchasing power is decreasing. The ability for retailers to pass along price increases depends largely on the type of customer; large chain-based restaurants are going to have trouble passing along meaningful price increases, whereas higher-end restaurants will have considerably less pushback. Along those lines, the same school of thought should also hold true for grocery retailers; the high-end retailers should have the ability to pass along prices increases whereas the lower-end shops are going to see their revenue and profit lines narrow. Keep in mind however, this isn't the whole story; inflation is insidious in that it has butterfly effects among asset classes.\nLuckily, it appears that energy costs (especially in North America) are falling. Recent news out of Mexico indicating a push towards privatization of many of the resource-rich country's fields may further increase the supply and push prices down further. Notably, we're also seeing significant production increases in the United States which suggest even more pricing pressure to the downside. This impacts food pricing positively, meaning theoretically in North America it should be cheaper and cheaper over the coming years to product land-based protein and potentially harvest more ocean-based protein at a lower price point.\nNonetheless, I would argue that shrimp prices are a useful leading indicator similar to the lipstick index; it is something we at first smile and laugh about, yet often proves to be a harbinger of things to come.", "label": "Yes"}
{"text": "It is easy to make the argument for DIY investing: as headlined in the Your Money section of the Daily Telegraph (15.11.14), ‘Investors: go DIY and save thousands.’ With wealth managers and financial advisers charging anything up to nearly 3% per annum in their stated charges (there are often other costs and trading costs on top of this), charges can swallow up most of the likely income return or yield from an investment portfolio.\nBut the experts always do better, don’t they?\nThere may be a few very talented investors who can consistently beat the market but even these are not guaranteed to do so over an extended period of time. On average active professional investors do worse than the market; so why pay for this?\nOur contention at IpsoFacto is threefold:\n- The investment future is uncertain and getting the right choice of investments for the current investment environment and your own circumstances (asset allocation) very difficult (although probably the most important decision). But this is as true for the professional as for the private investor: a rigorous mathematical driven approach based on relative value (as we have devised) and sensible diversification can achieve good results at a fraction of the cost of so called professional advice, which is often based on what is largely guesswork.\n- The amount of risk you are prepared to take in your investing is a very personal thing and more than likely can change over time. Getting regular information and advice and keeping control of one’s own investment decisions is vital to this process of managing risk, in our view.\n- Private investors can use our advice to access some of the most talented investment managers through investment trusts or closed end funds, often at much reduced costs versus unit trusts or OEICs, which are the traditional recipients of private investor money.\nIn any case, it’s complicated, isn’t it?\nNo one should pretend investing is easy but the practical aspects for the private investor have been simplified greatly over recent years. There are now many online brokers who provide dealing and settlement services at pretty reasonable costs (often single digit pounds per trade); simply google something like ‘online brokers’ and choose the right platform for you.\nThe great thing about going DIY and using an online broker is that if you want to buy or sell investments, you don’t have to ring up or write in and wait to be told what you get: you just do it, with the price dealt (for investment trusts and equities at least) in front of you on the computer screen.\nObviously DIY is not for everyone; but for those who are interested here is a short checklist of how to approach it.\n- Decide how much you can invest for the long term (at least five years) taking into account income, outgoings, debt, other assets and contingencies. If you need cash in the short term, it is usually better to keep it in a bank account.\n- Decide on your investment objective in terms of income or capital gain and risk tolerance (which may be a function of age and level of assets).\n- In considering risk we strongly advise looking at the totality of your assets and how they are invested; if, for example, you already have a pension fund invested largely in shares, then you may want to reduce the amount of risk you are prepared to take on in new investments.\n- Find an online broker whose charges and service suit your circumstances.\n- If you are investing cash from scratch (ie. not from an existing portfolio), consider investing in chunks over a period of time, to minimise the risk of investing when markets are too high.\n- Hopefully, sign up to IpsoFacto membership and choose from our recommended portfolios, according to your circumstances and risk appetite. We will then guide you with regular updates and any changes to our recommendations, giving you the best chance of investment success.", "label": "Yes"}
{"text": "A sizeable part of portfolio returns can be produced by dividend stocks due to their contribution to compounding returns in the long run. Historically, Covanta Holding Corporation (NYSE:CVA) has paid dividends to shareholders, and these days it yields 5.8%. Let's dig deeper into whether Covanta Holding should have a place in your portfolio.\n5 checks you should do on a dividend stock\nWhen researching a dividend stock, I always follow the following screening criteria:\n- Is its annual yield among the top 25% of dividend-paying companies?\n- Has its dividend been stable over the past (i.e. no missed payments or significant payout cuts)?\n- Has dividend per share risen in the past couple of years?\n- Can it afford to pay the current rate of dividends from its earnings?\n- Will it be able to continue to payout at the current rate in the future?\nHow does Covanta Holding fare?\nCovanta Holding has a trailing twelve-month payout ratio of 86%, meaning the dividend is sufficiently covered by earnings. Furthermore, analysts are forecasting the payout ratio to exceed earnings going forward, leading to a future of uncertainty around the stability of CVA's dividend income.\nIf you want to dive deeper into the sustainability of a certain payout ratio, you may wish to consider the cash flow of the business. A business with strong cash flow can sustain a higher divided payout ratio than a company with weak cash flow.\nIf there is one thing that you want to be reliable in your life, it's dividend stocks and their constant income stream. The reality is that it is too early to consider Covanta Holding as a dividend investment. It has only been consistently paying dividends for 8 years, however, standard practice for reliable payers is to look for a 10-year minimum track record.\nRelative to peers, Covanta Holding generates a yield of 5.8%, which is high for Commercial Services stocks.\nIf Covanta Holding is in your portfolio for cash-generating reasons, there may be better alternatives out there. However, if you are not strictly just a dividend investor, the stock could still offer some interesting investment opportunities. Given that this is purely a dividend analysis, I recommend taking sufficient time to understand its core business and determine whether the company and its investment properties suit your overall goals. There are three pertinent factors you should look at:\n- Future Outlook: What are well-informed industry analysts predicting for CVA’s future growth? Take a look at our free research report of analyst consensus for CVA’s outlook.\n- Valuation: What is CVA worth today? Even if the stock is a cash cow, it's not worth an infinite price. The intrinsic value infographic in our free research report helps visualize whether CVA is currently mispriced by the market.\n- Dividend Rockstars: Are there better dividend payers with stronger fundamentals out there? Check out our free list of these great stocks here.\nWe aim to bring you long-term focused research analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\nIf you spot an error that warrants correction, please contact the editor at firstname.lastname@example.org. This article by Simply Wall St is general in nature. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Simply Wall St has no position in the stocks mentioned. Thank you for reading.", "label": "Yes"}
{"text": "Macau Business | February 2021\nIt will be a challenging year for the local tourism industry. The sector should focus more on regional products to tap in the post-COVID-19 market, industry insiders and observers say.\nThe New Year has so far seemed not to bode well, at least for Macau’s local tourism. With the sporadic rise of COVID-19 cases across some Mainland Chinese provinces, as well as the uncertainties of the pandemic situation across the world, tourism operators expect a challenging year ahead, requiring prompt support from the authorities.\nDespite a decline of 85 percent on the tourist arrivals to the city to nearly 5.9 million in 2020 as a result of the travel constraints imposed by the coronavirus outbreak, the tourism tally has bottomed out since last April and mounted a month-to-month rising streak for eight consecutive months, as demonstrated by the latest government data. In last December alone, the city received over 659,400 travellers, or 21,270 travellers a day, rising 3.6 percent from the previous month, but down by 78.6 percent from a year earlier.\nThis slow recovery was spiked by the nationwide resumption of the Individual Visit Scheme (IVS) for Mainlanders to visit Macau in September, as well as a basket of incentives rolled out by the authorities and the industry to entice this major tourist source market.\nNonetheless, after the turn of the year, the momentum has lost steam. “As the tourism tally has been pretty decent in the Christmas and New Year holidays, we originally expected the performance would be even better in Chinese New Year,” says Wong Fai, director of the Travel Industry Council of Macau, referring to the Chinese New Year (CNY) holiday that begins on 12th February this year.\n“Now the Mainland and Macau authorities have encouraged residents to avoid travelling during the CNY holiday. This has definitely dealt a blow to local tourism,” the remarks. “We have seen the cancellations of some hotel bookings between end-January and February after the calls from the authorities.”\nIn the wake of the rising number COVID-19 cases since the winter season, the central government and provincial authorities across the border have scrambled to fend off a new wave of infections, including lockdowns for some cities and urging residents to stay in their homes.\nMr. Wong highlights the difficulties with predicting the tourism volume for the CNY holiday over the uncertainties of the pandemic, adding that visitation could probably be similar to the level recorded in the Chinese National Day Golden Week in October, or at best, match the Christmas holiday tally. Macau received about 156,000 travellers, or 19,500 visitors a day, in the 1st-8th October 2020 holiday, and the daily figure further improved to over 24,000 in the Christmas period.\n“It is expected that the pandemic situation abroad will remain severe for some time, so local tourism has to solely rely on the Mainland market in the meantime,” he details. “The outlook for tourism this year really has to depend on the development of COVID-19 — the implementation of the vaccine scheme in the Mainland and the territory and whether travel restrictions will gradually be lifted after the CNY period.”\nThe Macau government has forecasted the city would receive about 14 million travellers — or 38,356 visitors per day — this year; mainly arrivals from the Mainland and nearby Hong Kong. But at the moment, only tourists coming from the Mainland can visit Macau without a mandatory 14-day quarantine.\nNo package tours yet\n“The tourism volume has so far been only recovered to about 20-30 percent of the pre-pandemic level since the resumption of the IVS,” says another veteran tourism figure, Andy Wu Keng Kuong. “We originally hoped there could be package tour groups again after the CNY period, but it’s really not clear at the moment, as the authorities have stepped up the measures [against] the COVID-19 in recent times.”\nThough the IVS has been restored since last year, while Mainlanders could also come via transit, business or family visas, the package tours — accounting for about 20-30 percent of Mainland travellers to the city — have been suspended since January 2020. Attempts to urge Beijing to restart of package tours by the local authorities have been futile so far.\nThe chairperson of the Macau Travel Industry Council, Mr. Wu, now believes the first half of 2021 will be still “challenging” for local tourism, especially tourism operators that have to rely on outbound and inbound package tours. “The authorities should pay attention to the latest development and promptly roll out support for the industry when needed,” says Mr. Wu. “It’s just difficult to rely on the domestic demand… and only the resumption of package tours could inject new momentum into the sector.”\nIn spite of at least MOP400 million spent with Air Macau and Chinese e-commerce and telecommunications giants Tencent and Alibaba Group to give out discount offerings on Macau tourism products for Mainlanders last year, the government has also advanced “Macau Ready Go! Local Tours” campaign, subsidising residents to join local tours organised by over 150 travel agencies here. As the initiative between last June and September attracted the participation of more than 140,000 participants and yielded economic benefits of over MOP56 million, the administration has pondered the possibility of undertaking a similar initiative again this year.\nSome industry participants look beyond the city for opportunities amid the bleak climate in the gambling hub. Since late 2019, as part of the efforts to advance closer integration in the Guangdong-Hong Kong-Macau Greater Bay Area, the Hengqin authorities have rolled out a scheme for Macau and Hong Kong residents with a valid tourist guide license to offer tourist guide service on the island after meeting several requirements and passing tests.\nAccording to the Macau Tourist Guide Association, over 400 out of nearly 2,000 Macau tourist guides are now qualified to work in Hengqin. “This shows that local guides are eager for this scheme,” says Angelina Wu Wai Fong, president of the group.\nNonetheless, only a couple of guides have so far successfully offered service in Hengqin. “One of the main reasons is the drastic decline in the number of package tours, particularly no tours from Macau and Hong Kong to Hengqin, due to the pandemic” Ms. Wu says. “The competition with the Mainland guides is also fierce, as the service charge of Mainland counterparts is lower and Mainland travel agencies are used to working with the Mainland guides.”\nThe group head suggests there could be more communications between the authorities in the two sides over the scheme, and Macau tourist guides should be prioritized for the tours from the city.\nRegional multi-destination products\nThis tourist guide scheme might just explain the lack of progress of regional tourism cooperation. Despite years of push for multi-destination itineraries in the region, there is room for better exchanges and communications. “There has definitely not been any fruitful results for the multi-destination itineraries [in the Greater Bay Area],” legislator Si Ka Lon recently said. “The authorities should further facilitate diversified and quality tourism products, particularly [between Macau] and Hengqin and Zhuhai in the aftermath of the pandemic.”\nThis push for the multi-destination itinerary has been injected with new momentum in recent times with the promulgation of the Culture and Tourism Development Plan for the Greater Bay Area by the Chinese Ministry of Culture and Tourism. The plan outlines directions for the overall tourism development of the region until 2035, which should become an exchange hub for eastern and western cultures and a world-class tourism destination.\nThe 20-page document emphasises that the three sides should deepen their coordination in policies and planning in the fields of tourism and culture for “an open cooperation mechanism,” proposing that the tourism products offered in the region could be linked with themes of gastronomy, heritage sites and sport events. Marine tourism products to be offered by Macau are also highlighted in this blueprint, which, however, lacks any details for execution.\nSamuel Tong Kai Chung, president of the Macau Institute of Management, hails the timing of the promulgation of this plan. “There have been studies suggesting the change of behaviours of visitors after the COVID-19 pandemic; for instance, visitors might opt for short-to-medium haul travel,” he says. “So this plan somehow addresses the potential regional tourism demand.”\nBetter border infrastructure and marketing tools and strategies are required to promote these regional tourism products. “Once the travel constraints have gradually been lifted, I believe both Macau and Mainland residents will be eager to tour the Greater Bay Area,” he adds.", "label": "Yes"}
{"text": "- Exchange: OTC US\n- Sector: Energy\n- Industry: Oil, Gas & Coal\n- Sub-Industry: Exploration & Production\nAll Energy Corp+ Add to Watchlist\nAFSE:US0.0630 USD 0.00000.00%\nAs of 20:10:01 ET on 04/29/2015.\nCompany Profile for All Energy Corp (AFSE)\nAll Energy Corp. is an oil and gas exploration company. The Company is focused on the exploration, development, acquisition and production of crude oil and natural gas within the United States.\nAll Energy Corp\nKey Executives for All Energy Corp (AFSE)\n|Dean E SukowateyPres/CEO/Interim CFO/Founder|", "label": "Yes"}
{"text": "Do you need help with complex formulas, financial theories, and intricate calculations? Allassignmenthelp.org has got your back! Our top of the line Business Finance Assignment Help is designed to reduce your education burden while equipping you with the practical knowledge to excel in business finance.\nDiving Deep into Business Finance\nFrom fledgling entrepreneurs to seasoned finance professionals, understanding the core principles of business finance is crucial. Our comprehensive services aim to clear the fog around complex topics like:\nFinancial Statements and Analysis: Dissect balance sheets, income statements, and cash flow statements to understand a business’s financial health.\nCapital Budgeting: Evaluate long-term investment opportunities and decide which projects to invest in for future growth.\nRisk Management: Identify potential risks and learn how to mitigate them effectively. Our Behavioral Finance Assignment Help can provide insights into the psychological aspects of financial decision making.\nFinancial Markets and Instruments: Explore the various financial instruments available, from stocks and bonds to derivatives.\nCorporate Valuation: Understand how to determine the value of a business, considering both tangible and intangible factors.\nWhy opt for Our Business Finance Assignment Help?\nNavigating the labyrinth of financial jargon and mathematical equations can be overwhelming. We can ease your education journey in the following ways:\nIn-depth Insights: Grasp core concepts more easily with our experts’ expertise.\nTime-Efficiency: Our service allows you to allocate your precious time to other pressing matters.\nGrade Enhancement: Submit well looked up assignments and watch your grades soar. Our Accounting and Finance Assignment service can also contribute to your education success.\nOne Stop Solution to All Academic Worries\nAllassignmenthelp.org ensures to deliver the world-class Assignment Help at prices that are best in the market. Our team always responds to the demands of the students quickly and fulfills them in the best possible way.\nA Closer Examine of Our Service Offerings\nFinancial Analysis Assignment\nOur experts delve into financial statements, ratios, and trends. You can also visit our Ratio Analysis Assignment page for a more detailed perspective.\nRisk Management Projects\nLearn the art of assessing and mitigating risks with our expertly crafted risk management assignments. This aligns well with our Assignment of Financial Accounting, which covers broader aspects of financial management.\nCapital Budgeting Reports\nMaster the skill of evaluating investment opportunities through our detailed capital budgeting assignments.\nMarket Analysis Tasks\nDive into financial markets with assignments designed to enlighten you about various financial instruments, trading mechanisms, etc.\nOur Quality Assurance\nFor us, loyalty is a commitment rather than just a phrase. Here’s how we stand apart:\nExpert Writers: Our team consists of finance veterans well versed in the complexities of business finance.\nCustomized Solutions: Each assignment is tailored to meet your specific requirements.\nTimely Delivery: With us, you never have to worry about missing deadlines.\nAffordability Meets Confidentiality\nWe understand students’ financial constraints, so we’ve priced our services reasonably. Plus, your privacy is our priority.\nLet's Get Started!\nReady to elevate your education performance and deepen your understanding of business finance? Contact us at Allassignmenthelp.org and set your path toward education brilliance.\nThe content provided in our assignments is intended for education purposes only. Consult professionals for financial decisions.", "label": "Yes"}
{"text": "Some people think that a real estate lawyer in Barcelona is only needed when signing a real estate contract or if there are problems with the mortgage. But the truth is that there are small details that we miss and it is always better to have the advice of a professional.\nThe refurbishment of a house, if it includes structural changes, must be communicated to the landlord in rental contracts. In any case, we must not stop thinking that the real estate market is recovering and that large companies are reawakening their interest in investing in this sector. If you think about the above, the answer is clear as to whether it is worth renting and refurbishing an apartment, albeit clear, always bearing in mind a number of variables that may be crucial for investment to provide positive results in the end.Read More", "label": "Yes"}
{"text": "Apart from Guleria, Pradeep Pandey senior vice-president (customer service), HMSI has put in his papers. In February this year Shekhar MC, formerly general manager (finished vehicles logistics), too exited the company and joined Ola Electric Mobility.\nNew Delhi: Shares of auto component maker Sona BLW Precision Forgings listed with a premium of nearly 4 per cent on Thursday against its issue price of INR 291. The stock debuted at INR 302.40, registering a gain of 3.91 per cent from the issue price on BSE. As the trade progressed, it went to a high of INR 333.35, up 14.55 per cent.\nOn NSE, it listed at INR 301, a gain of 3.43 per cent.\nThe initial public offer of Sona BLW Precision Forgings (Sona Comstar) was subscribed 2.28 times last week.\nThe company is into designing, manufacturing, and supplying highly engineered critical automotive systems and components such as differential assemblies, differential gears, conventional and micro-hybrid starter motors, BSG systems, EV traction motors, and motor control units.\nIt supplies components to automotive OEMs (original equipment manufacturers) across the US, Europe, India, and China, for both electrified and non-electrified powertrain segments and is not dependent on a single product, vehicle segment, customer, or geography.", "label": "Yes"}
{"text": "Modules for Beginners\nBasics of Stock Market\nTranslate the power of knowledge into action. Open Free* Demat Account\nShould you start investing?\n00:54 Mins Read\nLet’s start with the most fundamental million-dollar question. Should you start investing?\nWhile investing is undoubtedly an essential financial practice, you need to be ready to invest smartly. So, when should you start investing? And how do you know if you are ready to begin investing? Ideally, you should start investing when you begin earning on your own, so you get a headstart early in life. But before you invest your money, you also need to be financially aware of what you’re investing in.\nThe prerequisites for investing include a solid financial plan, financial capability to invest, and a reasonable understanding of how investments work. This way, you can understand why you are investing in the assets you choose, and create a financial plan that will help you achieve your goals.\nReasons to start investing\nLooking for the right reasons to start investing? Here’s why you need to begin your investment journey sooner rather than later.\nTime is on your side\nWhen you start investing early in life, your investments have a longer time to grow. This gives you the luxury of investing smaller amounts, instead of a lump sum capital. If you only invest much later in life, you may have to shell out a larger capital to catch up with lost time.\nYou make investing a habit\nIf you begin investing at a young age, investing becomes a habit. You can take advantage of Systematic Investment Plans (SIPs) and other schemes that require regular and consistent investments.\nThe power of compounding helps\nThe magic of compounding plays a major role in wealth creation. And compounding works best when you invest for the long term. So, if you’re looking for another reason to start investing, compounding is the answer. It helps you earn interest on interest, and gains on your gains.\nYou can take more risks\nInvesting when you’re younger also makes it possible for you to take more risks. And generally, high-risk investments also come with the potential for higher rewards. Your portfolio can enjoy greater exposure in high-risk-high-reward investments the earlier you invest.\nShould you start investing? Investing is an important step to be financially secure. When you are young, life seems full of potential You have dreams - car, home, vacations and what not. Investing helps you fulfil those dreams. As investing helps your money grow. When done right, a small amount invested today can give you a big treasure in your future. But how to do investing right? This takes learning and understanding of financial markets Which can be a LOT to process. But don't worry, we are here to help you. Read about investing and money management on Smart Money by Angel Broking And fulfil your dreams.", "label": "Yes"}
{"text": "On November 8, 2023, under the guidance of the Chongqing Jiangbei District Commerce Committee and the Chongqing Jiangbei District Chamber of Commerce, Chongqing Enterprises Association with Foreign Investment, Chongqing Enterprises Association for Foreign Investment and Economic Cooperation, and Chongqing Cross-Border E-Commerce Association (preparatory) The China-Poland Enterprise International Business Development Forum hosted by the Warsaw University of Economics in Poland, the Polish-China Overseas Chinese Business Federation (Poland) Chongqing Representative Office, and the China-Singapore (Chongqing) Cross-border E-commerce Industrial Park was grandly held. Chongqing Huifan Technology Co., Ltd., (HFSecurity)as an outstanding representative enterprise of Chongqing’s foreign trade, was invited to participate in this forum.\nAt this forum, representatives from HFSecurity introduced the company's development history, product features and future development plans to the participants.\nWhat is particularly eye-catching is that HFSecurity conducted a live demonstration of the biometric security product demo, which attracted the attention of many participants. Many business representatives from Poland expressed strong interest in Huifan Technology's biometric security products. , all expressed their hope to further discuss cooperation matters.\nAfter the forum, these Polish business representatives immediately went to HFSecurity Company for an in-depth visit and negotiation, and conducted more specific discussions on future cooperation opportunities.\nAs a well-known biometric security company in China, HFSecurity's layout and development in the international market have also attracted the attention of all parties. Its products have leading technology and reliable quality, which have unique competitive advantages in the international market and are deeply trusted and praised by customers at home and abroad. It has three major brands: HFSecurity, BIOSAFE and HEYSTAR. Its main products include fingerprint, face, iris and other PDA handheld devices, as well as smart locks and smart home products. It has covered more than 100 countries. In addition to mainland China, it has a branch in Pakistan, as well as offices and service centers in the United Kingdom, South Africa, the United States, Thailand and Singapore.\nThe successful holding of the China-Poland Enterprise International Business Development Forum not only established a broad cooperation platform for enterprises from China and Poland, but also provided an important opportunity for Chongqing Huifan Technology Co., Ltd(HFSecurity). to expand its business in the international market. HFSecurity will continue to carry forward the entrepreneurial spirit of innovation and development, continuously improve product quality and service levels, actively expand the international market, and provide customers with better biometric security solutions. It is believed that with the joint efforts of China and Poland, more cooperation opportunities will emerge, injecting new vitality into bilateral economic cooperation, and contributing to the development of global biometric security technology.", "label": "Yes"}
{"text": "Corporate turnaround, News, Restructuring & Insolvency\nWatch: Preparing for the economic rebound\nWhilst a very challenging time, COVID-19 presents struggling businesses with a TRULY EXCEPTIONAL OPPORTUNITY.\nThe economic rebound WILL come. Take full advantage of it by excising the financial problems that held you back previously and will do so again if you don’t act quickly.\nYou may also like this article", "label": "Yes"}
{"text": "In our new survey, we’re asking small and medium sized businesses across the South West how the pandemic has impacted their use of technology?\nIn addition to revealing the technologies most favoured by SMEs, the data gathered in the ‘Time to Deliver’ survey will uncover insights around businesses’ approach to technology, how many have a strategy, and how effective it is in delivering against objectives.\nThe study has been launched by Timewade partnership with award-winning chartered accountants Bishop Fleming as part of the ‘Technology for Success’ programme, which provides free guidance to South West businesses on how to implement an effective technology strategy, and use technology to improve productivity and growth. This is the third technology survey carried out by Technology for Success since 2019.\nJulian Wills, Founder of Technology for Success and Managing Director of Timewade, said: “The pandemic has had a massive impact on the way businesses are working and therefore on the types of technology they are using and investing in.\n“Timewade and Bishop Fleming want to find out the challenges that businesses are facing when it comes to using technology in the current climate. We’re also looking to understand how they can be supported to use technology better as they get to grips with new ways of working, such as hybrid working, which has increased dramatically in response to the pandemic.\n“The ‘Time to Deliver’ survey will uncover whether businesses are delivering on their tech strategy, and whether they have one at all! It will also offer key recommendations to help South West businesses plan for the next 12 months.”\nPippa Clarke, Head of Technology, Innovation and Growth at Bishop Fleming said: “We are pleased to be supporting this years’ Technology for Success survey which aims to understand how businesses are implementing their technology strategies.\n“It is no secret that the pandemic has propelled technology to the forefront of most business leaders’ minds as we are now in a world where businesses cannot operate without sufficient technology embedded into their processes.\n“The survey will shine a light on investing in tech, the challenges faced, and plans for the next five years. The results will be used to support businesses on their growth and investment plans in the future.”\nBusinesses who take the survey will be sent a report detailing the findings and recommendations, to help them develop new approaches to their use of technology to support their teams, customer acquisition, and growth.\nParticipants will also be entered into a draw to win a £100 John Lewis voucher.\nThe survey is available here: https://www.surveymonkey.com/r/T4S2021Survey\nThe survey will run through November and December. Initial results will be revealed and discussed at the Technology for Success roundtable, where experts from Timewade, Astley Media, and Bishop Fleming will be on the panel, discussing the steps businesses need to take to deliver on their technology strategy.", "label": "Yes"}
{"text": "By Rashidat Akashat\nThe trend in having a low budget wedding in Kenya has just been preceded by another couple who reportedly spent only Ksh 50.\nKenyan Couple Buys Only Scones For Wedding\nAccording to Lee Elly’s Facebook post, the couple who got wedded on Saturday, reportedly spent 50 cent for buying just scones.\nAlthough, this less humility has not been celebrated like the Kenyan couple who wedded in T-shirts around a budget of $1, it only shows that the Mutura’s have set a legacy.\nRecall that the Mutura’s shocked the world with their $1 wedding and were blessed for their humility, as they did not just appear on international media, but were gifted with a trip outside their country.", "label": "Yes"}
{"text": "Kuala Lumpur, July 12, 2023 – Tijarah Holding Ltd., a prominent Blockchain developer, and Islamic Digital Asset Service Provider (IDASP), is delighted to announce the successful acquisition of a Canadian Money Services Business (MSB) license, duly registered with FINTRAC and regulated by the British Columbia Financial Services Authority (MSB registration number: M23739966), through its subsidiary, GC Global Finance Ltd—an Islamic Fintech provider. This accomplishment represents a pivotal milestone in the group's unwavering dedication to delivering secure, efficient, and customer-centric Islamic fintech services.\nA copy of GC Global Finance Ltd. license on the FINTRAC website.\nAs a licensed MSB, GC Global Finance provides a wide range of financial solutions to clients worldwide, including international money transfers, currency exchange, payment processing, and virtual currency dealings. This highlights the company's commitment to meeting the evolving needs of individuals and businesses in the realm of Islamic Fintech. \"We are thrilled to add the MSB to our portfolio as an IDASP in the dynamic Islamic Fintech market, enhancing our ability to offer comprehensive financial solutions worldwide,” said John Pellegrini, CEO of Tijarah Holding Ltd.\nCanada boasts one of the most vibrant and stable economies globally, making it a prime destination for digital Fintech services. The country's stringent and normative regulations within the financial industry have been a significant draw for enterprises worldwide. Notably, securing the MSB license reflects GC Global Finance Ltd.'s recognition by the Canadian government and adherence to international compliance standards, cementing its position as a reliable provider capable of delivering a secure and stable service within the Canadian market and globally. The license also allows GC Global Finance to forge new partnerships, expand its global reach, and explore innovative financial technologies to enhance its offerings further.", "label": "Yes"}
{"text": "Find out what a financial assessment is and why people with dementia might need one.\n- Paying for care and support in England\n- Meeting your needs\n- You are here: Financial assessment\n- Types of care and support that cannot be charged for\n- Paying for care and support in your own home\n- Care home fees\n- Care home fees for self-funders\n- Paying for care - complaints and FAQs\n- Paying for care in England – useful resources\nPaying for care and support in England\nWhat is a financial assessment?\nYour local authority will carry out a financial assessment to help decide who will pay for your care and support. The financial assessment varies slightly depending on the type of care and support you need. For example, if you are living at home, the assessment will be carried out slightly differently to if you are living in a care home.\nThe person doing the financial assessment is likely to ask you (or your carer or relative) to complete some forms about your finances and declare that this information is true. Someone from the local authority may also visit to help you to fill in the forms.\nThe Care Act states that if a person is going to receive care and support at a low cost, it may not always be necessary to do a full detailed financial assessment. See ‘Light-touch financial assessments’ below for more information.\nIt can feel like an invasion of privacy when the local authority or its representative is looking over something as personal as your finances. However, it is important to make sure that you are charged the right amount for your care. Remember, if you refuse to answer the financial questions, you could automatically be charged for your care.\nThe financial assessment form\nWhen completing financial assessment forms, ‘income’ refers to any money you receive regularly, for example, benefits or a pension.\n‘Capital’ refers to any other assets you have. This includes savings, investments and in some cases (for residential care) may include the value of your home.\nYou will always be allowed to keep a certain amount of income known as a Personal expenses allowance (PEA).\nCapital and income will either be:\n- fully included in the assessment\n- partially taken into account\n- or ignored completely (fully disregarded).\nFor example, the value of your home might be fully disregarded in certain circumstances.\nIf you have a partner, the forms may ask about their finances too. However, once it is decided what belongs to you and what belongs to your partner, the assessment should only take into account the finances of the person who needs care, and no one else’s.\nIf you have joint bank accounts or other assets held jointly, the assessment can only take into account the share belonging to you. It will be assumed that your share is 50 per cent of these joint assets, unless you can show otherwise.\nThe local authority must provide clear, written information about how much you will pay for your care. This should show clearly what has been taken into account, and regular statements from the local authority should follow.\nLight-touch financial assessments\nIn some circumstances, a local authority may choose to treat you as if you have had a full financial assessment, even if you haven’t. This often happens when the local authority is confident the costs of the care or service will be met, based on the evidence they have. This is called a ‘light-touch financial assessment’.\nThe main circumstances in which a local authority might consider carrying out a light-touch financial assessment are:\n- If you have significant financial resources, and do not wish to undergo a full financial assessment, but want the local authority to arrange your care. You will then be self-funding, but the local authority must be satisfied that you can afford, and will continue to be able to afford, any charges due. The local authority will usually make a charge for this service.\n- Where the local authority charges a small or token amount for a particular service that you are clearly able to afford, and carrying out a financial assessment would be disproportionate (for example if it requires more resource to do the financial assessment than to provide the service).\n- If you receive means-tested benefits which demonstrate that you would not be able to contribute towards your care and support costs.\nIf the local authority decides to do this it must tell you that a light-touch assessment has taken place, and make it clear that you still have the right to request a full financial assessment if you want to. You might feel this is necessary if there is a dispute about the charges.", "label": "Yes"}
{"text": "Executives from three of Canada’s largest grocery chains were in communication before launching and ending temporary wage increases for grocery store workers during COVID-19, but maintain their decisions were not co-ordinated.\nMetro Inc. was aware of Loblaw Companies Ltd.’s decision to stop its so-called pandemic pay program before it made a similar decision, chief executive Eric La Fleche told the House of Commons standing committee on industry, science and technology Friday.\ntap here to see other videos from our team.\nLa Fleche said that a Metro competitor’s move was one of several influencing factors in its decision-making process.\nHe joined the Loblaw president and Empire Co. Ltd. chief executive at a two-hour session about why they stopped paying a temporary wage bump to employees as of June 13.\n“Let me be absolutely clear, we did not co-ordinate our decisions,” said Michael Medline, Empire CEO, in his opening statement before the committee. Medline, whose company owns the Sobeys and Safeway brands, was the first of the trio to give his opening remarks.", "label": "Yes"}
{"text": "Membership for All Sizes\nEmployer Memberships are beneficial to OLCC-licensed businesses that are interested in diversifying and empowering their workforce. Individual memberships are always free, please visit here for more info.\nFrequently Asked Questions\nWho Is Paid Membership For?\nPaid Membership is for OLCC-licensed cannabis businesses that are interested in promoting the empowerment of their workforce. If you are a worker in the industry, please register for membership here.\nWhat are the Benefits of Paid Membership?\n✔ Access to Oregon Handler’s Fund workforce development registry\n✔ Linked listing in CWC online member directory\n✔ Access to our Association Health Plans for you and your employees (Starting Fall 2021)\n✔ Access to membership meetings\n✔ Attend events hosted by community partners in the hopes of creating the safest and most compliant space for cannabis users, business owners, and professionals.\n✔ Industry lobbying in the capital to ensure safe, sensible regulations and successful program implementation\n✔ Invites to exclusive symposiums designed to provide resources, insight, and education into the cannabis industry.\n✔ Ability to write off membership dues as deductible trade or business expenses (non-280E business only)\n✔ Receive news and updates regarding CWC and our respected group of affiliates.\nA Little About Us\nCannabis Workers Coalition is a 501(c)4 social justice nonprofit that provides a pathway for restorative economic and criminal justice to communities negatively impacted by the war on drugs. CWC represents the equitable interests of BIPOC women and men in Oregon. We advocate for legislation, public policy, business education & technical assistance, that provides equitable and sustainable opportunities for BIPOC women and men in cannabis.", "label": "Yes"}
{"text": "Defending Individuals and Businesses Accused of Antitrust Violations\nFederal and State law enforcement agencies actively investigate and prosecute businesses and individuals accused of collusion activities such as price fixing, bid rigging, and market allocation schemes.\nMost federal criminal prosecutions allege violations of either the Sherman Antitrust Act and/or the Clayton Antitrust Act. The Sherman Act generally prohibits any agreement among businesses that unreasonably restrains competition, while its successor the Clayton Act broadens the scope of antitrust legislation to include individualized schemes such as price discrimination and allows greater regulation of monopolies.\nIn state court investigations and prosecutions are centered on the Cartwright Act which mirrors the Sherman and Clayton Antitrust Acts.\nCall Sacramento Antitrust Criminal Defense Lawyer Kresta Daly – (916) 440-8600.\nA firm understanding of both the statutes and the case law surrounding antitrust laws are vital to the successful defense against a charge of antitrust violation. Sacramento antitrust attorney Kresta Daly has years of trial experience defending clients charged with antitrust violations. If you have been charged with an antitrust-related crime contact Kresta Daly.\nTo schedule a consultation please contact Federal Criminal Defense lawyer Kresta Daly at (916) 440-8600 or by email at email@example.com.", "label": "Yes"}
{"text": "The stock of Caesars Entertainment Corp (NASDAQ:CZR) is a huge mover today! About 155,973 shares traded hands. Caesars Entertainment Corp (NASDAQ:CZR) has declined 5.87% since April 18, 2016 and is downtrending. It has underperformed by 10.30% the S&P500.\nThe move comes after 8 months positive chart setup for the $1000.00M company. It was reported on Nov, 18 by Barchart.com. We have $9.33 PT which if reached, will make NASDAQ:CZR worth $320.00M more.\nAccording to Zacks Investment Research, “Caesars Entertainment Corporation is a gaming company engaged in providing casino entertainment services. The Company operates casino resorts on multiple continents and its casino entertainment facilities include land-based casinos, riverboat or dockside casinos, managed casinos, combination greyhound racetrack and casino, combination thoroughbred racetrack and casino, and harness racetrack and casino, hotel and convention space, restaurants, and non-gaming entertainment facilities. Its resorts operate primarily under the Harrah’s(TM), Caesars(TM) and Horseshoe(TM) brand names. Caesars Entertainment Corporation is based in Las Vegas, Nevada.”\nInsitutional Activity: The institutional sentiment increased to 1.15 in 2016 Q2. Its up 0.03, from 1.12 in 2016Q1. The ratio is positive, as 13 funds sold all Caesars Entertainment Corp shares owned while 28 reduced positions. 12 funds bought stakes while 34 increased positions. They now own 75.69 million shares or 13.09% less from 87.09 million shares in 2016Q1.\nBlackrock Gru last reported 0% of its portfolio in the stock. Weiss Multi has 150,000 shares for 0.09% of their US portfolio. Aperio Limited last reported 0% of its portfolio in the stock. Metropolitan Life Insurance New York accumulated 0% or 39,108 shares. Pacad Investment Limited has 0.01% invested in the company for 4,800 shares. Paradigm Asset Mgmt Ltd Liability holds 0% or 32,100 shares in its portfolio. Vanguard Group last reported 3.58M shares in the company. Spark Inv Mngmt Ltd Llc has 0.07% invested in the company for 92,600 shares. Tiaa Cref Invest Mgmt Ltd Liability Co holds 0% or 192,262 shares in its portfolio. Morgan Stanley accumulated 0.01% or 1.97 million shares. Blackrock Inc holds 7,936 shares or 0% of its portfolio. Kcg reported 23,026 shares or 0% of all its holdings. Dimensional Fund Advsr Lp holds 110,322 shares or 0% of its portfolio. The Massachusetts-based State Street has invested 0% in Caesars Entertainment Corp (NASDAQ:CZR). First Quadrant Lp Ca has invested 0% of its portfolio in Caesars Entertainment Corp (NASDAQ:CZR).\nInsider Transactions: Since August 5, 2016, the stock had 0 insider buys, and 3 sales for $850,574 net activity. The insider DONOVAN TIMOTHY R sold 43,168 shares worth $327,364. LOVEMAN GARY W sold $186,362 worth of stock or 24,000 shares.\nMore notable recent Caesars Entertainment Corp (NASDAQ:CZR) news were published by: Wsj.com which released: “Caesars Entertainment Corp. Swings to First-Quarter Loss” on May 05, 2016, also Fool.com with their article: “Caesars Entertainment Corp’s Future Now a Battle Between Billionaires” published on September 22, 2016, Fool.com published: “Caesars Entertainment Corp’s Odds of Survival Just Plummeted” on August 29, 2016. More interesting news about Caesars Entertainment Corp (NASDAQ:CZR) were released by: Prnewswire.com and their article: “Caesars Entertainment Corporation to Report 2016 Third-Quarter Results on …” published on October 26, 2016 as well as Fool.com‘s news article titled: “Why Caesars Entertainment Corp.’s Shares Dropped 18% Today” with publication date: September 27, 2016.\nCZR Company Profile\nCaesars Entertainment Corporation (Caesars), incorporated on November 2, 1989, is a holding company. The Firm offers casino-entertainment and hospitality services. It operates through three divisions: Caesars Entertainment Resort Properties (CERP), Caesars Growth Partners Casino Properties and Developments (CGP Casinos) and Caesars Interactive Entertainment, Inc. (CIE). The Company’s facilities include gaming offerings, food and beverage outlets, hotel and convention space, and non-gaming entertainment options. In addition to its brick and mortar assets, it operates an online gaming business that provides social and mobile games offerings that utilize virtual currency, as well as real money games in certain jurisdictions. It owns CERP and an interest in Caesars Growth Partners, LLC (CGP).\nReceive News & Ratings Via Email - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings with our FREE daily email newsletter.", "label": "Yes"}
{"text": "It's true, there are many sponsors in the market, so how do you choose which one to go with? It all comes down to whether interests and investment strategy are aligned, as well as level of familiarity and trust. Some sponsors choose to include their asset management fee second to the preferred return fee to demonstrate to their investors that recouping their investors capital first is the priority before the sponsor receives the asset management payout. Some sponsors will put both sweat equity and their own money on the line, deepening the level of trust and alignment of interests. For us, communication is crucial. We keep our passive investors in the loop via frequent updates. It’s also important to us to return emails and calls to our investors in a timely manner. As you can see, there are many factors at play when deciding on whether a sponsor is a good fit with your personality and interests – and the right sponsor varies from investor to investor.", "label": "Yes"}
{"text": "We use your sign-up to provide content in ways you’ve consented to and to improve our understanding of you. This may include adverts from us and 3rd parties based on our understanding. You can unsubscribe at any time. More info\nUnhappy with sluggish download speeds or sky-high bills in your home? New deals from BT, Virgin Media, TalkTalk, Hyperoptic, Sky and dozens of other companies could be the answer. According to recent research published by Which?, hundreds of customers who are out-of-contract could unlock faster broadband speeds and save money every month by switching providers or renewing with a new offer available from their existing provider.\nWhich? research has shown that the average Sky broadband customer pays £37.32 a month, but could save £131.76 a year if they switched to an introductory deal. BT customers pay £36.30 a month on average and could save £119.52 – while TalkTalk customers pay £28.98 a month but could save £31.86 a year. Virgin Media customers could save the most by switching (£143.64 per year), as they have the highest average monthly bill out of the big four providers at £41.68, Which? added.\nIf you’re more concerned about faster speeds – ideal if you’re working from home permanently and can’t handle the frustration of constant buffering – there are a number of great deals for full-fibre connections too. BT, Sky, Virgin Media, and a host of new start-ups, including the likes of Hyperoptic, Community Fibre, Zzoomm, Giganet, and more, are rolling out gigabit-capable broadband connections across the UK right now. While these next-generation connections typically cost a little more, they’re perfect for busy households with multiple people streaming shows in 4K, making video calls, downloading video games, backing up photos at the same time each night.\nWith a gigabit broadband connection, you’ll be able to download 25 songs in one second and a feature-length film in HD in around 36 seconds.\nExpress.co.uk has scoured the biggest broadband providers to find the best prices – and the ultimate speeds. We’re rounded up the best selection of cost and download speeds below. If you’re currently out-of-contract, you should be able to find a brilliant new deal below…\nHyperoptic is one of the new kids on the block. Unfortunately, that means it’s not available as widely as BT, Sky or Virgin Media, but if you’re lucky enough to have its gigabit-cable cables in your street – there are some amazing deals to be had. With no upfront cost or installation fees, this 50Mbps bundle is usually £25 a month, but Hyperoptic has slashed that price as part of a flash sale. So, you’ll need to be fast to secure the cheapest deal on this list!\nBT Broadband (150Mbps)\nBT is running a new “homebuyer” deal that slashes the price of some of its fastest fibre broadband packages in half for the first three months …and don’t worry, there’s no need to prove that you’ve recently moved house to qualify! After the first three months, your monthly bills will rise to £34.99 a month. With download speeds of 150Mbps, this bundle means you’ll rarely see any loading or buffering\nVodafone’s new “Switch and Save” deal offers new customers the chance to sign-up to its home broadband plans for less than £20 a month. If your broadband is out of contract, Vodafone estimates that you can save as much as £300 by switching to one of its newly discounted plans. At 35Mbps, this isn’t the fastest connection (it’s about half the speed of the UK average home broadband) but it’s a great way to save money if you’re not streaming video all of the time!\nNOW TV (60Mbps)\nNOW is currently offering its fast Super Fibre broadband package for just £22 a month, which includes unlimited downloads at speeds of over 60Mbps. It also bundles free calls to landline numbers, and there are exclusive discounts available if you add a NOW TV pass to unlock access to Sky’s exclusive channels, movies, and live sporting fixtures too. At 12-months, this is one of the shorter contract lengths – perfect for those who want to keep switching to always get the best deal\nTalkTalk is offering its fibre broadband at a discounted price, with customers now able to access to the web from just £23 per month. You will need to pay a one-off £4.95 charge for the postage of the new Wi-Fi router, but that’s it. TalkTalk says to expect 38Mbps download speeds, which isn’t the fastest …but it’s a very affordable package that could seriously reduce your monthly outgoings\nJohn Lewis Broadband (36Mbps) + FREE £45 Voucher\nFor a limited time, John Lewis is handing out a £45 voucher to spend in its stores or Waitrose when you sign-up to its fibre broadband plan. Coupled with the free evening and weekend calls to a landline, the unlimited usage, and the short 12-month minimum contract length – this is a superb deal\nPlusnet (66Mbps) + £50 Reward Card\nPlusnet has dropped its £10 activation fee and thrown-in a £50 Reward Card that can be spent anywhere that accepts Mastercard so, in a nutshell, anywhere! In terms of the broadband bundle, you’ll get acceptable 66Mbps speeds and unlimited usage. The 18-month minimum contract isn’t the shortest on this list, but it won’t tie you in as long as some providers, like BT\nWhile GigaClear might not have the brand recognition of some of the other brands in this list, it more than makes up for that with some phenomenal deals. Right now, you can get 200Mbps download speeds – almost three times faster than the UK average speed – for less than £30 a month. You’ll also get unlimited downloads and FREE installation\nShell Energy (63Mbps)\nWhile you might not associate Shell Energy with broadband, the company offers decent download speeds at competitive prices. And since it runs on BT’s Openreach network, you’re likely to already have the right infrastructure in your street. Right now, Shell has slashed the cost of its Fibre Plus package from £35.99 a month down to £25.99 for the duration of your contract. Bargain!\nVirgin Media (108Mbps)\nVirgin Media will slash the price of its full-fibre broadband bundles when you decide to add a phone line (don’t worry – you don’t have to use the phone). This means you can get 108Mbps speeds for just £27 per month, which is much more affordable than its broadband-only bundle for the same speeds\nOrigin Broadband (67Mbps)\nOrigin promises no-nonsense broadband, with customers guaranteed no chance of mid-contract price rises, unlimited downloads and no speed throttling – even at peak times. The contract lasts 18-months, which is a little shorter than you’ll get from BT and Sky too – perfect for those who want to shop around as soon as possible!\nSky Broadband (59Mbps)\nWith a guaranteed download speed of 50Mbps, this package has more than enough bandwidth to stream Netflix and Disney+ in Ultra HD without issue. Downloads are all unlimited too, so no worries about any hidden charges. No one-off charges to get set up either!\nCommunity Fibre (1,000Mbps)\nIf you’re looking for the ultimate broadband speed at home, this bundle from Community Fibre is sure to blow your hair back. Unfortunately, Community Fibre doesn’t quite have the reach of BT and Virgin Media, but if you live in an area served by its network, it offers next-generation speeds for significantly less than its more established rivals\nSource: Read Full Article", "label": "Yes"}
{"text": "BearClaw Gaming players leave the organisation\nFollowing defaulting on payments, the Valorant team BearClaw Gaming has decided to leave the organisation. A sudden announcement that raises questions about the future of the Valorant players in Korea.\nThe BearClaw Esports was the Valorant team of the BearClaw Gaming organisation. The latter is owned by Plynius, a holding company specialised in entertainment and esports.\nAccording to Steven Kim, BearClaw Gaming Manager, Plynius has not made any payment since January 2021. The firm is reportedly committed to financially supporting the players and BearClaw staff. Yet, whether in terms of salary or equipment, nobody has received anything.\nFaced with this situation, the entire BearClaw Gaming membership has decided to break the contracts with Plynius. The very future of the organisation is uncertain. It has managed to become independent from Plynius, but is actively looking for new partners. Starlight Gaming, an Korean Overwatch team, has also decided to end its relations with Plynius, in view of the situation of BearClaw Gaming.\nOn their side, the players of the Valorant team and their coaches have decided to leave BearClaw Gaming. By regaining their freedom, they hope to find a new organisation capable of supporting them. From now on, they will play under the name of Team MUYAHO.\nAlthough the BearClaw Gaming organisation has been in place since February 2020, the Valorant BearClaw Esports team was formed earlier this year, recruiting former players from Cloud9 Korea and T1 Korea. Already left behind by their former teams, they once again find themselves without an organisation to represent, nor a stable financial situation.\nThis is a real problem, especially for such talented players. The BearClaw Gaming team has climbed into the top 4 of the top teams in the Valorant Challengers 1 Korea. It's therefore automatically qualified for Challengers 2. However, as all its players are leaving the organisation, BearClaw should lose its place. Indeed, the rules of the Champions Tour imply that a team must always keep at least three of the players present at the time of registration. It's therefore possible that Team MUYAHO will have to start from scratch.\nWhere the situation seems even more problematic is that the Valorant stage is already relatively precarious in Korea. The country has very few teams, and even fewer organisations ready to invest in this new FPS. There were only 31 teams that participated in the first Challengers. In December, Riot Games Korea announced a plan to help the local teams of Valorant. Eight of them can receive up to 50 millions Won (around 37,400€) if they meet certain conditions.", "label": "Yes"}
{"text": "The aggressive attack on the Public Sector by the Modi Government is intended to finish off all the existing PSUs, which have greatly contributed to the growth of the country, and hand over them to the greedy corporates. Whether profitable or not, all the PSUs one by one are going to be disnvested, sold and or closed.\nUnited/Joint Struggles by the entire workers, executives and management with the support of the people are essential for saving the public sector. Leave aside other differences and unite to fight the anti-PSU policy of the government and save the PSUs.\nसर् आप निजीकरण के विरोधी क्यों है , सरकार और सरकारी अधिकारी , कर्मचारी जनता के कामों के लिए कितने जवाबदेही समझते है ये पिछले 18 सालों से में खुद लगातार देखते आ रहा हूँ ???? धन्यवाद !!!!!!!\nThere are two main views or policies for the government. One is governance for the common people. Providing jobs, food, education, housing etc., the minimum requirement for he people. The other is the policies for allowing the rich, powerful and corporates to increase their profit at the cost of the ordinary people. We are in favour of the former and against the latter policy. Privatisation is part of the latter policy and hence out strong opposition to it.", "label": "Yes"}
{"text": "Hasbro Inc., one of the largest toy maker in the U.S. is set to unveil 3-D Goggles for Apple gadgets. The company predicts that more and more users would demand for 3D viewing over the iPod and the iPhone, as the 3D era is on the go. The company showcased the product to the investors, which is seen as a handheld device and attaches to the Apple device comfortably, known as My3D. Hasbro promises that the gadget would enable three-dimensional content on the device as users experience the fun in gaming, virtual travel and entertainment content. The gadget is designed in such a manner which makes it perfect for kids as well as adults.\nAccording to company officials, the binocular design gadget will be priced at $30 and would be made available to users, somewhere around Spring season, at stores where Apple gadgets are being sold. Apple users who buy the smartly designed gadget can visit the Apple App Store which allows them to browse and download My3d content. Hasbro even noted that the while different Apps would vary on prices, a wide variety of apps would be made available for free.\nThe company is surely to grab a big share if things work out well but the only thing is, the company as well as others would need to bring a flow over the content. It also revealed that the company has teamed up with Dreamworks Animation to develop material for the gadget.\nvia [Yahoo Finance]", "label": "Yes"}
{"text": "Great Eastern Energy is a leading supplier of natural gas, electricity and renewable energy in the Northeast. Founded in 1996, they remain one of the longest standing alternative energy companies in the region. Their full service energy solutions help businesses and property owners thrive by managing their energy costs and increasing their bottom-line.\nSimply Switch is a trading name of MoneyExpert Limited. MoneyExpert does not give advice on or recommend any particular insurance product or service or whether it is suitable for your personal circumstances. The information provided is to help you to make your own choice about how to proceed. MoneyExpert is an appointed representative of MoneyExpert Insurance Services Limited which is authorised and regulated by The Financial Services Authority FRN 557120.\nElectric bills for customers in the Houston area can more than double in summer months, mainly because air conditioning. Not coincidentally, electric rates also rise in the summer months because of this increase in demand. The most dramatic rate increases occur in month-to-month plans, but electric rates do increase across the board for all fixed-rate contract lengths.\nJust Energy is a leading independent energy supplier with over 1.6 million electricity and natural gas customer accounts across the US and Canada. Just Energy’s business involves the sale of natural gas and electricity to residential and commercial customers under long-term fixed-price or price-protected contracts (price protected for electricity). By securing the price for natural gas or electricity under such contracts for a period of up to five years, Just Energy’s customers reduce or eliminate their exposure to changes in the price of these essential commodities.\nWhen changing your address, first contact your supplier to go discuss special offers when you move. If service is not available at your new address, you can come back to PowerKioskDirect.com to shop for the best offers for your new address. You'll then start a completely new contract. For plans with cancellation fees listed, these apply only in \"early termination\" situations where the service is actively cancelled before the end of a contract term.\nHow did we get this number?This total is calculated by taking the wattage and daily usage of your common appliances and converting this into a monthly kilowatt per hour (kWh) usage rate. To figure out the estimated cost based on this rate, multiply your kWh per month by the cost of your energy (an average rate is $.12 per kWh). You can learn more about calculating your energy consumption by following the steps on this page.\nGone are the days when you had to contact electric companies to discover their rates, and negotiate a better deal on your own. Today, Vault Electricity does the work for you, handling the entire process of finding the best Texas electricity rates and plans from providers that have a pedigree of business stability, customer service, eco-friendliness, and financial transparency. This allows you to shop for electricity in just a few minutes, right from your computer.\nReviews.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full Advertiser Disclosure. Reviews.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product’s website. All products are presented without warranty.\nAnyone on a standard rate tariff is at risk of seeing rising energy bills – so one of the best ways to protect from energy price increases is to switch to a fixed rate tariff. This means that for the duration of the deal, the cost of your energy and gas will be fixed. You may be able to switch to a cheaper fixed price tariff at any point, or you may have to pay a fee if you switch before the end of the deal – so check your paperwork.\nTDU Delivery Charge: TDU stands for transmission and delivery utility — in other words, the utility company in your area that is actually piping the energy from the power generation companies into your home. (Remember, REPs in Texas are just the middleman.) The TDU delivery charge is set by the utility and is consistent from plan to plan and provider to provider within its service areas. For example, AEP , the TDU for Corpus Christi, charges the same delivery fee for all TXU, Direct Energy, and Reliant plans. You don't typically get a choice in utility company, and therefore, these fees are pretty much unavoidable, non-negotiable, and won't factor into choosing an electricity plan or provider.\nEnergy deregulation has been in place for several years however there are still a lot of people who are confused or who have not fully understand the implications, structure, details and workings of energy deregulation. Many simply know that energy deregulation means people now have the power to choose their electric companies – a diversion from the previous system where a single utility company provides services for the generation, transmission and distribution of electricity.\nIn addition to having a healthy dose of Texas pride, we also pride ourselves on providing friendly customer service. Amigo Energy customer service comes in a variety of convenient ways—from our mobile app and desktop portal, to our US-based call center with over 500 customer service agents. No matter which type of Amigo Energy customer support you choose, you’re sure to get the service you need in the timeframe you want it.", "label": "Yes"}
{"text": "Road Warrior: Alitalia bid deadline\nAn airline on the market, and Dublin and Cork airports in the running for awards\nAn Alitalia aircraft taking off. Etihad, the Abu Dhabi-based carrier, is a 49 per cent stakeholder in the airline but is not expected to invest further. Photograph: Getty Images\nAlitalia on sale\nThe deadline for “expressions of interest” is next Monday, June 5th, when the receivers of Italian carrier Alitalia want initial bids to be submitted. The receivers will consider options that include the purchase of the carrier as a going concern, a plan for the economic and financial restructuring or a transfer of assets and contracts. Etihad, the Abu Dhabi-based carrier, is a 49 per cent stakeholder in the airline, but is not expected to invest further. Maybe Ryanair may consider it again. Employees voted against plans to cut jobs and salaries. The Italian government has provided a bridging loan for €600 million while a buyer is found.\nDublin and Cork airports in best airports awardsDublin Airport has been nominated in the Airports Council International (ACI) Europe best airports awards for the second year in a row. The other contenders are Madrid Barajas and London Heathrow in the category of large airports handling more than 25 million passengers a year. Dublin Airport has also been nominated in the accessible airports category, which it won last year. Cork Airport has been nominated in the same awards in the category for best airport fewer than five million passengers. The winners will be announced on June 13th at the ACI Europe general assembly in Paris.\nSuperRooms from TravelodgeTravelodge, the budget hotel provider in the UK, launched its new SuperRooms concept for business travellers. The new rooms are a class of premium economy that dial up the comfort levels. The new rooms will have a more residential feel with tones of blue and beige, and blackout curtains. Other comforts include Lavazza coffee machines, Hansgrohe Raindance showers, larger desk area, iron and ironing board, powerful hairdryers and a comfy armchair. SuperRooms are available in London at the moment and will cost and extra £10-20 on classic rooms.\nNew AA lounge at JFK\nAmerican Airlines (AA) opened its Flagship first dining and Flagship lounge at New York’s JFK airport last week. Access to the lounge is being extended to business class passengers, who will be offered top-of-the-line dining in the airport. Menus will be locally inspired, and feature grass-fed beef from Joyce Farms, cheese from Sprout Creek Farms and speciality cocktails designed by New York mixologist Pamela Wiznitzer.", "label": "Yes"}
{"text": "The transition to renewables cuts across the entire urban energy landscape, from buildings to transport, to industry and power. Renewables can bring tremendous benefits to cities, including cleaner air, modern services and improved living spaces. At the same time, cities are crucial to the world’s transition to a low-carbon economy, accounting for 65% of global energy use and 70% of man-made carbon emissions.\nRenewable Energy in Cities explores potential for urban communities to scale-up renewables by 2030, based on estimated energy use 3,649 cities around the world. It finds that every city has massive potential to cost-effectively boost renewable energy use at the local level. The report outlines three priority areas where cities can take action: renewable energy in buildings (for heating, cooling, cooking, and appliances); sustainable options for transport (electric mobility and biofuels); and creating integrated urban energy systems.\nBy highlighting the best practices from cities around the world, this report examines the policies and technologies by which cities can bring about a renewable energy future. It provides concrete examples of how municipal leaders and administrators can accelerate the switch to renewable energy at the local level by acting as planners, regulators, financiers and operators of urban infrastructure.", "label": "Yes"}
{"text": "Crypto Trading 101: The Right Way to Do Crypto Margin Trading\nAre you looking to trade with leverage? Learn how to maximize your profits with cryptocurrency margin trading on C-Trade. Our beginner's guide to cryptocurrency margin trading will teach you the process from start to finish.\nIf you're already familiar with traditional stock market trading and want to take advantage of some of the benefits of crypto, it might be time to start margin trading instead. Crypto margin trading is a form of cryptocurrency investing that can be highly leveraged—meaning you can borrow money from a crypto exchange to make more significant investments. It also comes with more risk.\nThis guide will help you understand what margin trading is, how it works, and some tips for using it safely to start making money!\nWhat is Crypto Margin Trading and Leverage?\nMargin trading is a way to trade with more money than you have using leverage. It's not just for speculators, though—it can also help account holders access greater positions at lower prices. The trick is that while the cryptocurrency may appear cheaper because you aren't paying per-transaction fees, it's at risk of losing value if the price goes down.\nSo when doing margin trading (or any investment or speculation), always ensure that your trades are well thought out and based on sound logic rather than impulse decisions fueled by emotions such as greed or fear.\nHow Does Cryptocurrency Margin Trading Work?\nMargin trading can be a very effective way to trade cryptocurrencies, but it's not for the faint of heart. Margin trading is essentially a way to use leverage. You can borrow money from leverage providers such as C-Trade (the most popular crypto margin trading platform) to increase your buying power.\nTo understand how margin trading works, let's look at an example: You have $20,000 in your bank account and want to invest in Bitcoin (BTC). You could buy some portion of BTC with only $2000, but if you wanted more than that amount, this would require more because all BTC is currently worth around $28,000 each.\nSo instead of buying just one coin with your cash, what if there was another option? Instead of paying the total out-of-pocket, what if there was another option where you could pay half the original investment amount upfront while borrowing half from someone else. Together, the investment and the borrowing allow you to invest in an asset and own 100%.\nThis investment is entirely different from regular investors' when they buy crypto assets directly through an exchange platform like C-Trade, Coinbase, or Kraken.\nTwo Main Types of Crypto Margin Trading\nWhen trading cryptocurrencies, you'll hear the terms \"futures\" and \"options.\" These are two different types of contracts for margin trading, one for hedging and one for speculation. When to use each depends on your reasons for doing crypto margin trading.\nFutures are used to hedge against price fluctuations in an underlying asset. For example, if you think that the price of a particular cryptocurrency will go up but aren't sure how high it will go, buying futures is the best way forward. If the value increases (or decreases), so does your profit or loss because you've locked in a price.\nAnother common practice is shorting futures- betting against an asset by selling them at a high price, hoping they'll go down. It is usually accompanied by repurchasing them at a lower price later instead of holding onto them.\nThings You Need To Know About Crypto Margin and Leverage Trading\n- Margin traders can buy crypto futures contracts as well as spot price coins. Leverage trading is riskier than traditional trading.\n- When investing in cryptocurrency through futures trading, margin enables investors to scale their positions as needed without having capital tied up.\n- Crypto exchanges offer both fiat-to-crypto and crypto-to-crypto margin trading. Margin trading allows you to use leverage in both directions, with a simple long/short position or by selling options against it (called shorting).\n- You can also use leverage to increase your profit-making potential or reduce risk when opening up new positions—but only after having already established one with cash from your account balance.\nIt's essential to be aware of these details of margin trading to choose the one that best fits your needs.\nCrypto Margin Trading Strategies\nIf you're looking for the best crypto margin trading strategy, you've come to the right place. Here are our favourite strategies:\nBuild Slow and Cautiously\nThe \"slow and steady\" approach - is an excellent strategy if you're looking to make steady profits over time. It involves buying low and selling high, so your profits steadily grow over time.\nThe \"aggressive break-out\" strategy involves predicting when an asset will move above its resistance level so that when it does happen, you can buy in at a lower price than usual and sell high before demand catches up with supply again (and prices go down). This strategy is risky because it could go either way! If your prediction is wrong, then there's no telling what will happen next...\nBuy Low and Sell High\nThe \"buy high/sell low\" approach is self-explanatory; it involves buying into assets that have recently risen in value while also selling off assets that have recently fallen in value (usually due to negative news).\nThe Advantages of Cryptocurrency Margin Trading\nIf you want to increase your profits and earn more money, margin trading is the right choice for you. Here are some of the most significant advantages that come with using this method:\n- You can make more frequent trades through margin than using cash-based crypto trading. Placing orders and getting them filled quickly is more manageable, so you can trade more at any given time (e.g., during bull runs).\n- Margin trading allows users to trade different types of cryptocurrency assets simultaneously, even if they're not related or related only in passing. For example, BTC/ETH pairings on the C-Trade exchange are available through margin accounts but not for cash-based traders. It gives more flexibility when choosing which coins or tokens should form part of a portfolio overall.\n- It also gives users access to far greater leverage (at times up to 150x) than would otherwise be possible with cash-only accounts.\nMargin trading in crypto is different from what you might be used to with other assets. While futures and options are forms of leverage, they're not the same as margin trading.\nCrypto margin trading allows for up to 150x leverage, which means that if you have $3,000 in your account and buy $30,000 worth of Bitcoin (BTC), you can now control 1 BTC plus all its profits or losses—without having to put down any cash at all!\nThe best part? You can begin with as little as USD 100 on some exchanges. To learn more about how this works, read our guide on the best crypto derivatives exchange of 2022.\nTo Sum It Up\nMargin trading is the most common way for traders to take risks with their assets. While users can use it for many things, there are a few things to keep in mind when using margin trading:\n- Don't put all your eggs in one basket (or trade). It means not putting all your money into a single cryptocurrency or other assets and making sure that you diversify your holdings. You're better off spreading out across multiple different cryptocurrencies and assets to ensure against any risk of losing everything if something goes wrong with one particular investment.\n- Don't use margin trading as leverage for speculation about future market prices; use it for actual investing purposes only! In other words, invest wisely using capital resources without borrowing funds.\nWhen you understand the risks, crypto margin trading can significantly boost your earnings. Margin trading is a high-risk investment strategy, but it can be a great way to make more money. If you understand the risks and have the right experience, crypto margin trading can be an excellent way to earn more money.\nFor more such informational blogs, check out our website.\nThe Best Proof-of-Work Crypto to Mine in 2022 Other than BTC and ETH\nThe Best Proof-of-Stake Crypto to Stake in 2022", "label": "Yes"}
{"text": "About the initiative\nIf we want technology to work for everyone, it needs to be built by everyone. Black founders in Africa disproportionately lack access to the networks and capital needed to grow their businesses. In 2020, with less than 0.5% of global venture capital (VC) funding going to Black-led startups, Google announced the Black Founders Fund and has since deployed $20M in funding to founders across the US, Europe, Africa, and Brazil. The latest $4M Black Founders Fund in Africa provides 60 founders with up to $100K in capital, up to an additional $200K in Google Cloud Credits, and access to the best of Google—people, products, and practices.", "label": "Yes"}
{"text": "Shoppers offered an alternative to Black Friday\nAS SHOPPERS up and down the country are being offered an alternative to the Black Friday sales, as research shows that more than half feel pressurized by the Christmas shopping pressure.\nA new survey found that 54 per cent of respondents say they have negative emotions in the run-up to Christmas. They say they feel stressed, anxious, ill, argumentative and violent.\nIn an effort to counter these negative feelings, Traidcraft has launched its ‘Just Friday’ initiative, encouraging shoppers to make ethical purchases.\nThe survey, for the charity, found that 43 per cent of respondents would also like to see the end of Black Friday altogether, despite predictions that sales today could break the £1 billion barrier.\nAsda, which was instrumental in bringing the American tradition to the UK, is not participating this year, and it is estimated that four out of 10 shoppers will make their purchases online rather than in stores.\nLarry Bush, Traidcraft’s marketing director, said: “With some of the biggest UK retailers scaling back their involvement in this year’s Black Friday sales, it’s obvious that consumers are growing tired of this materialistic ‘consumption culture’, which is why we’re running our Just Friday campaign again this year.”\nHe said that if even just one per cent of the projected sales were made with ethical, fair trade organisations, it would make a huge difference to tens of thousands of people in the developing world.\n“We are offering an alternative with ‘Just Friday’, and asking people to take a few moments and think about their buying choices.”\nSafia Minney MBE, Founder & CEO of People Tree said: “We can create change, a different way of doing business and buy Fair Trade, ethically and sustainably this Just Friday.”", "label": "Yes"}
{"text": "Labor Law as Social Inclusion: A Proposal for Re-conceptualization of Employment\nThe International Department at the Norwegian Centre for Human Rights welcomes you to a seminar with Associate Professor Yifeng Chen from Peking University Law School on his research titled “Labor Law as Social Inclusion: A Proposal for Re-conceptualization of Employment Relationship in Chinese Law”.\nAssociate Professor Yifeng Chen. Photo: Peking University Law School\n- 12:00 - 12:05 Welcome by Yi Wang, Head of Human Rights Education, International Department at the Norwegian Center for Human Rights\n- 12:05 - 12:35 Presentation by Yifeng Chen, Associate Professor at Peking University Law School\n- 12:35 – 13:00 Comments by Wei Chen, Special Adviser, Economic and Social Affairs Dep. International Department, the Norwegian Confederation on Trade Unions (LO)\n- 13:00 – 13:30 Q&A\nA summary of the research:\nThe research offers a critical examination of the definition of employment relationship and the notion of a “worker” under Chinese law. The right to work is clearly provided for in the International Covenant of Economic, Cultural and Social Rights. Yet under domestic labour laws, the legal recognition of workers, who are thus under the protection of labour law and entitled to various social protection systems, covers only those who are under formal employment relationship. As a result of the narrowly constructed concept of employment relationship under Chinese law, a considerably large amount of people, who are working in informal economy, flexibly employed or self-employed, find it difficult to integrate into the existing labour law regime. The research suggests that the legal definition of employment relationship should be critically reconstructed and conceptualized from the perspective of social inclusion. An overly formalistic approach is too parochial and exclusive.\nThe research project proposes a reconstruction of employment relationship by highlighting the role of labour law as an essential institution for social inclusion and redistribution. The labour law was originally designed to contractualize the employment in 1980s. This was reoriented in early 2000s towards more stringent labour protection. It is a time to reconceive the role of labour law as an institution for social inclusion. A more receptive and inclusive approach towards employment recognition is essential for the transformation of Chinese labour law.", "label": "Yes"}
{"text": "Office supply giant Staples pioneered the concept of big-box office supply stores in the 1980s. Now shoppers are looking for a different way to buy stationery.\nAccording to a report in the Wall Street Journal, Staples said it is exploring a possible sale to a private equity buyer. A deal to merge with Office Depot last year was blocked on antitrust grounds.\nFor Staples, the challenge is one that is gnawing at virtually every big retail brand: how to build an ecommerce business fast enough to offset eroding sales at physical stores.\nSales of office and school supplies have been relatively flat for several years, according to data from The NPD Group. In 2016, overall sales inched up 1% to $12.1 billion. Essentially all of that growth came from online sales, which rose 12% last year.\nStaples itself has seen decent ecommerce growth. Its ecommerce sales increased 13.0% in 2016, slightly outpacing overall industry gains. And ecommerce makes up a creditable 13% of Staples’ total revenues.\nBut the company’s brick-and-mortar operations have dragged, with same-store sales declining over the past five years. And the declines have accelerated—reaching 5% in 2016.", "label": "Yes"}
{"text": "In 2004, I had the opportunity to test theories in several corporations throughout the United States and Asia prior to solidifying the vision.\nOn May 7th, 2005, I assembled a team of colleagues from various corporations and the United States Armed Forces to come together to address this problem. We invented a way to increase productivity and strengthen the decision making capabilities within companies. Dr. Barry Lawrence at Texas A&M University said that our vision was \"revolutionary\". Forrester Research stated that this is the \"world's first Business Process Management Suite for the supply chain.\" We recently launched a marketing campaign in which Tanya Candia, President of Candia Communications states that the response is \"phenomenal\". The supply chain has been a problem for all companies until now. We've devised a way to make driving the supply chain as easy of driving a car. My name is James Vinson and I am the President and Founder of V-Chain Solutions, Inc. and my team is dedicated to solving your supply chain challenges. I encourage you to learn more by attending the Triple Green Supply Chain Conference in San Francisco on December 11th, 2008.\nV-Chain Solutions Presents\nThe Triple Green Supply Chain Event\nSan Francisco, California - December 11, 2008\nA strategic B2B networking event for anyone looking to\nimprove supply chain visibility -- and environmental sustainability!", "label": "Yes"}
{"text": "Deora receives first shipment of Sakhalin oil\nThe shipment of crude oil from Russia was received at New Mangalore Port Trust complex in Mangalore.india Updated: Dec 02, 2006 13:59 IST\nThe first shipment of crude oil from the Sakhalin oil field in Russia was received on Saturday by Minister of Petroleum and Natural Gas Murli Deora at the New Mangalore Port Trust complex in Mangalore.\nThe consignment of 92,055 metric tonnes (672,000 barrels) of Sokol crude was ferried on board the Russian ship MK Viktortitov - the oil tanker of Primorsk Shipping Company on a charter of OVL (ONGC Videsh Ltd). The tanker set sail from Dekastri port in Russia on November 14.\nOVL has 20 per cent stake in Sakhalin-1, acquired from two subsidiaries of Russian government oil firm Rosnett - SMNG-S and Rosneft-S.\nFirst Published: Dec 02, 2006 13:59 IST", "label": "Yes"}
{"text": "By Mashable India\nWorld of Statistics recently shared a list of the richest actors in the world right now. Top Gun and Mission Impossible star has a whopping net worth $620 million. The actor is one of the most well-known faces around the globe and has built a vast empire for himself.\nShah Rukh Khan is the only Indian actor on the list, the actor has his own production house, an IPL cricket team and has several multi-crore projects coming up. He has a reported net worth of Rs $770 million.\nJerry Seinfeld created an entire empire for himself with the help of his cult classic sitcom Seinfeld and owns 15% of the show's equity. He is the richest actor on the planet with a net worth of $1 billion.", "label": "Yes"}
{"text": "AST-Holzmann Baugesellschaft has been acquired by Wolff & Müller GmbH & Co KG\nWolff & Müller GmbH & Co KG has acquired AST-Holzmann Baugesellschaft m.b.H. from Philipp Holzmann AG for US$20 million.\nAST-Holzmann Baugesellschaf is a construction company based in Austria.\nWolff & Müller GmbH & Co KG is a construction company offering construction services, building materials, raw materials and services. The company is based in Germany.\nOaklins' team in Germany advised the seller in this transaction.\nTalk to the deal team\nDr. Hans Bethge\nArbo Windows becomes the leading wooden windows producer in the Baltics by acquiring Arlanga Wood\nArbo Windows, a leading Latvian producer of wooden windows and doors, has acquired Arlanga Wood, a leading Lithuanian producer of wooden windows and doors, creating the largest wooden windows producer in the Baltic states. The combined group has over 200 employees and generates over US$20 million of annual revenues.Learn more\nUnica has agreed to acquire the Dutch fire & gas business unit from Dräger\nUnica, one of the largest providers of technical services in the Netherlands, has signed an agreement for the acquisition of Dräger's Dutch fire & gas business unit. With this acquisition, Unica strengthens its fire safety portfolio. The acquisition of the specialist in fire and gas detection and fire extinguishing materials results in a deepening and expansion of Unica’s fire safety cluster, a leading player in integrated fire safety solutions with 450 specialists.Learn more\nGrothe Bau has been acquired by TERRAS Tiefbau Group\nThe private shareholder of the civil engineering company Grothe Bau Group has sold a majority stake to the TERRAS Tiefbau Group. With this transaction, the combined group reinforces its market position and future growth potential in the civil engineering sector.Learn more", "label": "Yes"}
{"text": "Western Diversification Program - Call for Proposals\nThe intake period for the WDP Call for Proposals (CFP) is now closed.\nThe Western Diversification Program (WDP) is the main program through which Western Economic Diversification Canada (WD) makes strategic investments in initiatives with not-for-profit organizations that enhance and strengthen the economy of Western Canada.\nThe WDP Call for Proposals (WDP-CFP) process allows for a comparative analysis of projects against clear criteria; strengthens the department’s responsiveness to economic trends and industry needs; and ensures alignment to Government of Canada plans and priorities.\nInformation about the WDP-CFP process and eligibility for funding is available in the:\n- Applicant Guide and Instructions (HTML | PDF)\n- Frequently Asked Questions (HTML)\nThe Applicant Guide and FAQs are subject to change with each intake period.\nThe following non-profit organizations are eligible to apply for WDP funding:\n- Industry associations, economic development organizations, cultural organizations, and societies;\n- Post-secondary institutions;\n- Hospitals and regional health care centers;\n- Indigenous-led not-for-profits and organizations which may include but not limited to First Nations as represented by their Chief and Council, Tribal Councils, Indigenous Representative Organizations, Métis and Inuit organizations and Settlements as well as First Nation/Métis Settlement wholly-owned businesses where all profits accrue solely to the First Nation/Settlement to benefit community members;\n- Municipal Governments and organizations created by them;\n- Federal Crown Corporations (Treasury Board Secretariat will be consulted prior to any funding decisions for Federal Crown Corporations); and,\n- Provincial Government Departments, agencies and Crown Corporations (although eligible within the WDP Terms and Conditions, WD would require an Order in Council to contract with these organizations. As such, any projects would be considered on an exceptional basis).\nFor-profit organizations can access funding for innovation projects through WD’s Western Innovation (WINN) Initiative.\nContributions will be made to projects that support the development and diversification of the western Canadian economy, and activities where economic and/or employment benefits accrue primarily within Western Canada.\nApplications received under the WDP-CFP process must directly support one (or more) of the following WD Strategic Priorities:\n- Clean technology; and/or\n- Indigenous economic growth (IEG).\nIn parallel to the WDP-CFP, WD is also seeking applications for the Economic Development Initiative (EDI) to enhance the vitality of francophone communities in Western Canada.\nStrong projects will demonstrate:\n- A clear alignment to one or more of WD’s priorities (listed above);\n- Strong market/industry demand (e.g., the project addresses a significant gap in the market, there is a demonstrated industry demand for the project or there is demonstrated labour/skills shortages);\n- Clear, measurable economic results for Western Canada;\n- Effective governance measures and management team in place to carry out the project;\n- A strong rationale for the project;\n- Financial statements that demonstrate the organization is financially self-sustaining;\n- Leveraged funding from provincial governments, the private sector, and other non-government sources (typically 50 percent or more); and,\n- Non-WD funding is confirmed. Funding will only be considered confirmed with proof of confirmed funding.\nPreference will be given to projects that focus on or include one or more of the following elements:\n- Include industry participation and/or support (can be in the form of written support or confirmed funding from industry sources);\n- Support clean technology initiatives identified by industry sectors as a priority; and,\n- IEG applications submitted by Indigenous organizations or those with Indigenous partners.", "label": "Yes"}
{"text": "Ratidzo Tiringindi, a smallholder farmer in the Chilonga area of Chiredzi district watched helplessly as a swarm of locusts swept into his village, devouring all her sorghum and pearl millet in March this year.\nWith the unusually high rainfall in the 2020/2021 cropping season, she expected to harvest a bumper crop of around four tonnes of traditional grains in this dry and arid region of the country.\nThe scenes at her field were upsettingly familiar and played out in several parts of Chiredzi and Mwenezi districts with a devastating wave of swarms of a local type of species damaging their sorghum and millet crops.\nTiringindi had never witnessed anything like this in years.\n“Madhumbudya (a local edible locust species called Ruspolia differens) destroyed all my sorghum and millet crops,” she said. “I lost everything. The locust destroyed everything.\n“I was expecting at least four tonnes of sorghum and millet. My crop was good and had matured. My excitement was short-lived as locust destroyed my crops.”\nThe locust outbreak threatened her livelihood and that of many other farmers who depend heavily on rain-fed agriculture.\nIn March this year, the Plant Protection Research Institute detected an outbreak of three indigenous species which do not spread over long distances unlike the African migratory locust.\nThe three types of locust species that were identified included — the Ruspolia differens, commonly known as “madhumbudya,” the Cytacanthacris (green locusts) and the Cataloipus oberthuli known locally as ‘njeru’ which are all edible.”\nThe most affected areas were Chiredzi wards 1- 12 and 22 where more than 2 457 households had their crops damaged while in Mwenezi some 2 440 households in BJB, Chikokoto and Masangula.\nThe locust caused serious damage to sorghum, millet, maize and pastures. Armoured crickets also caused serious damage too.\nPlant Protection Research Institute teams were dispatched to the districts to contain the outbreaks. The situation quickly got under control because rains had ended before the close of the season.\n“I lost everything,” said Junica Nzembe of Tonono village in ward 7 of Chiredzi district. “Locusts stole my livelihood and I have to work hard to do other projects such as goat, chicken and cattle rearing to survive.”\nAll this, triggered hopelessness among the farmers in Chiredzi and Mwenezi. It was an unforeseen natural hazard. No one ever knew a plague was coming.\nThe farmers said they suffered significant losses when the local swarms descended on their crops.\n“All my sorghum and millet is gone,” said Tiringindi. “Even after they have eaten everything on our fields, the madhumbudya (local locust species) have not left. They are still here. We catch them at night and we are eating them. We did not salvage much of the crop.\n“We have to be brave and survive through this working on other options.”\nWithout support and intervention of the Zimbabwe Resilience Building Fund (ZRBF) Enhancing Community Resilience and Sustainability (ECRAS) project which trained and supported the locals to manage and run VSLAs commonly known as “Mukando” and other critical livelihood options such as nutrition gardens and rearing of cattle, goats, sheep and chickens, the food security situation here could have deepened.\nThe US$100 million project is being implemented by CARE, ICRISAT and PLAN with funding from the European Union, the embassy of Sweden, the United Nations Development Programme (UNDP) and the Foreign, Commonwealth and Development Office (FCDO), formerly known as DFID.\nECRAS was funded for US$9,7 million out of the ZRBF US$100million budget. It will run until 2022 and aims to contribute to an increased capacity of communities to protect development gains in the face of recurrent shocks and stresses enabling them to contribute to the economic development of Zimbabwe.\n“I learnt a lot from the ECRAS project,” Tiringindi said. “I was taught how to do nutrition gardens, fish farming and how to rear chickens, goats, sheep and cattle. I started with 10 goats, 5 chickens and two cows but now, I have 175 goats, 13 cattle and many chickens including a thriving orchard. I sold 50 goats at US$40 each and I earned enough money to buy grain, clothing, food and to pay fees for my children.\n“God knows what could have happened if we had no other option. The locusts could have reduced us to beggars. But here we are, proud and surviving through this locust outbreak.”\nThe ECRAS project has played a big role in building their livelihood resilience, helping them to take up other options to fight food insecurity in the face of the locust outbreak which decimated their crop.\nIn other years, harsh climatic conditions brought about by frequent droughts all bring misery to most smallholder farmers in the drought — prone Chiredzi and Mwenezi districts.\nWith targeted interventions such as fish farming and the rearing of chickens, goats and cattle, the smallholder farmers manage droughts and other natural shocks such as pest outbreaks.\nIt brings hope and continuity of life in the wake of droughts and other natural shocks.\n“Relying on crop farming alone is not good for us,” said Tiringindi. “We have to have other income streams to earn livelihoods to survive droughts, floods and locust outbreaks. Chiredzi is a very dry area and very often we have droughts and times we are affected by floods.\n“With adequate training to do fish farming and the rearing of goats, chicken, sheep and cattle we can survive these natural shocks.”\nDiversifying livelihoods is a critical component for survival of smallholder farmers. Livestock feed making and the growing of fruits and vegetables from nutrition gardens also builds the resilience of farmers.\nIt helps farmers to fight food insecurity and give households several on – farm survival strategies.\nTiringindi now looks to the future with much hope and confidence.\n“I want to buy a tractor to help us till the land,” she said. “I also want to raise money to drill a solar powered borehole and build a shade for my goats.\n“With diverse on-farm activities it’s very possible to raise the money to do this. In addition, we will not die from hunger. Empowerment reduces our heavy reliance on donor food. It leaves us with some important tools for survival.”", "label": "Yes"}
{"text": "ADDIS ABABA- Ethiopia and Sudan’s joint technical team for the construction of standard gauge railway project discussion took place in Khartoum to evaluate the feasibility study of the project in the presence of railway officials of the two countries. Ethiopian Ministry of Foreign Affairs (MoFA) announced that the joint technical committee for the construction of the Ethio-Sudan railway project discussed on the feasibility study of the project.\nEthiopian Ambassador to Sudan Amb Yibeltal Aemiro, Sudan’s Ministry of Transport Deputy Minister Mohamed Bashir and railway officials of the two countries were attending the joint discussion, according to MoFA. In his opening remark at the event, Ambassador Yibeltal stated that Ethiopia and Sudan have historic people to people relations and strong economic and social ties, adding that railway transport would boost the strong and historic relation of the two countries.\nIn addition, Yibeltal noted the joint railway project will facilitate regional economic cooperation. According to Amb Yibeltal beyond the current temporary problems of the two countries, Ethiopia and Sudan should focus on sustainable and strategic infrastructural and economic sectors for the benefit of the two countries’ peoples.\nHe further noted that the Ethio-Sudan railway project is among the key strategic and sustainable projects of the two countries. Ambassador Yibeltal assured the commitment of the Ethiopian government for the realization of the Ethio-Sudan railway project.Deputy Minister of Sudan’s Ministry of Transport, Mohamed Bashir on his part argued that rail transportation is crucial to strengthen and develop economic transaction of the two countries peoples since it transports heavy fright with cheap price.\nBY DARGIE KAHSAY", "label": "Yes"}
{"text": "Political orientation of government and stock market returns\nAbstractPrior research documented that U.S. stock prices tend to grow faster during Democratic administrations than during Republican administrations. This letter examines whether stock returns in other countries also depend on the political orientation of the incumbents. An analysis of 24 stock markets and 173 different governments reveals that there are no statistically significant differences in returns between left-wing and right-wing executives. Consequently, international investment strategies based on the political orientation of countries' leadership are likely to be futile.\nDownload InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.\nBibliographic InfoPaper provided by University Library of Munich, Germany in its series MPRA Paper with number 307.\nDate of creation: Jul 2006\nDate of revision: Nov 2006\nStock market returns; Politics; Presidential puzzle;\nOther versions of this item:\n- Jedrzej Bialkowski & Katrin Gottschalk & Tomasz Piotr Wisniewski, 2007. \"Political orientation of government and stock market returns,\" Applied Financial Economics Letters, Taylor and Francis Journals, vol. 3(4), pages 269-273.\n- G14 - Financial Economics - - General Financial Markets - - - Information and Market Efficiency; Event Studies\n- G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions\n- G15 - Financial Economics - - General Financial Markets - - - International Financial Markets\nThis paper has been announced in the following NEP Reports:\n- NEP-ALL-2006-11-12 (All new papers)\n- NEP-CDM-2006-11-12 (Collective Decision-Making)\n- NEP-CFN-2006-11-12 (Corporate Finance)\n- NEP-PBE-2006-11-12 (Public Economics)\n- NEP-POL-2006-11-12 (Positive Political Economics)\n- NEP-RMG-2006-11-12 (Risk Management)\nPlease report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on \"citations\" and make appropriate adjustments.:\n- Pedro Santa-Clara & Rossen Valkanov, 2003. \"The Presidential Puzzle: Political Cycles and the Stock Market,\" Journal of Finance, American Finance Association, vol. 58(5), pages 1841-1872, October.\n- Alesina, Alberto & Roubini, Nouriel, 1992.\n\"Political Cycles in OECD Economies,\"\nReview of Economic Studies,\nWiley Blackwell, vol. 59(4), pages 663-88, October.\n- Riley, William B. & Luksetich, William A., 1980. \"The Market Prefers Republicans: Myth or Reality,\" Journal of Financial and Quantitative Analysis, Cambridge University Press, vol. 15(03), pages 541-560, September.\n- Roubini, Nouriel & Alesina, Alberto, 1992. \"Political Cycles in OECD Economies,\" Scholarly Articles 4553025, Harvard University Department of Economics.\n- Tomasz Wisniewski & Geoffrey Lightfoot & Simon Lilley, 2012. \"Speculating on presidential success: exploring the link between the price–earnings ratio and approval ratings,\" Journal of Economics and Finance, Springer, vol. 36(1), pages 106-122, January.\n- Gabriel Rodríguez & Alfredo Vargas, 2012.\n\"Impacto de expectativas políticas en los retornos del Índice General de la Bolsa de Valores de Lima,\"\nDepartamento de Economía - Pontificia Universidad Católica del Perú, vol. 35(70), pages 190-223.\n- Gabriel Rodríguez & Alfredo Vargas, 2011. \"Impacto de Expectativas Políticas en los Retornos del Indice General de la Bolsa de Valores de Lima,\" Documentos de Trabajo 2011-323, Departamento de Economía - Pontificia Universidad Católica del Perú.\n- David Le Bris, 2012. \"Stock Returns, Governments and Market Foresight in France, 1871-2008,\" Working Papers CEB 12-007, ULB -- Universite Libre de Bruxelles.\nFor technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Ekkehart Schlicht).\nIf references are entirely missing, you can add them using this form.", "label": "Yes"}
{"text": "Nigeria’s public debt stock stood at N87.38 trillion (US$113.42 billion) in the second quarter of 2023, the National Bureau of Statistics has said.\nThe bureau, in its Nigerian domestic and foreign debt Q2 2023 report released Friday, said Nigeria’s public debt stock which includes external and domestic debt rose to N87.38 trillion (US$113.42 billion) in Q2 2023 from N49.85 trillion (US$ 108.30 billion) in Q1 2023.\nThis, according to NBS, indicates a growth rate of 75.27 per cent on a quarter-on-quarter basis.\nThe statistics office said total external debt stood at N33.25 trillion (US$43.16 billion) in Q2 2023, while total domestic debt was N54.13 trillion (US$70.26 billion).\nIt said the share of external debt (in naira value) to total public debt was 38.05 per cent in Q2 2023, while the share of domestic debt (in naira value) to total public debt was 61.95 per cent.\nOn state profile analysis, it said Lagos State recorded the highest domestic debt in Q2 2023 with N996.44 billion, followed by Delta with N465.40 billion.\n“Jigawa State recorded the lowest domestic debt with N43.13 billion, followed by Kebbi with N60.94 billion,” the NBS said.\nIn addition, it said Lagos State recorded the highest external debt with US$ 1.26 billion, followed by Kaduna with US$569.38 million.\nThe report noted that Borno state had the least external debt with US$18.75 million, followed by Taraba with US$21.92 million.\nSupport PREMIUM TIMES' journalism of integrity and credibility\nGood journalism costs a lot of money. Yet only good journalism can ensure the possibility of a good society, an accountable democracy, and a transparent government.\nFor continued free access to the best investigative journalism in the country we ask you to consider making a modest support to this noble endeavour.\nBy contributing to PREMIUM TIMES, you are helping to sustain a journalism of relevance and ensuring it remains free and available to all.Donate\nTEXT AD: Call Willie - +2348098788999", "label": "Yes"}
{"text": "Gov. Jerry Brown has been signing a slew of bills designed to make Democrats happy–not just in California but nationwide. From protecting illegal aliens from deportations for minor crimes, to allowing non-physicians to perform abortions, he has checked every box on the blue social agenda. (He did veto a bill that would have let non-citizens serve on juries, but many reluctant jurors might describe that as doing them a favor.)\nAt the same time, however, news about California’s economy remains alarming. On Wednesday, the non-profit Tax Foundation ranked California 48th out of the 50 states (again) in its “business tax climate”–the worst west of the Mississippi River, and ahead of only New Jersey and New York. Like other low achievers, California has “complex, non-neutral taxes with comparatively high rates,” according to the foundation report.\nThat is the real news being drowned out by liberal applause. Democrats tell themselves that Brown has done more than enough to turn the state around, having balanced the budget by raising taxes and shifting funds over from the state’s underperforming carbon auctions. But the reality is that the state’s economy continues to be hollowed out by the liberal gentry’s utopianism, the public unions’ greed and the underclass’s needs.", "label": "Yes"}
{"text": "He is the Chairman and Chief Executive Officer at Capital Group as well as Chairman of the Capital Group Companies Management Committee and also the Chairman and Principal Executive Officer of Capital Research and Management Company Inc., and has a vast wealth of experience in investment with over thirty years of experience in the sector.\nTimothy graduated with a Bachelor’s Degree in Economics from the Middlebury College in Vermont and proceeded to go on to begin his career in the financial and investment sectors as a participant in The Associates Program at Capital Group.\nTimothy Armour has recently commented on Warren Buffet’s gamble of $1million dollars that he can make more money than a group of skilled and trained professional hedge fund managers by merely investing his money in an S&P 500 passive index fund. It would seem that he is correct, there are many distracting and expensive funds out there that can seriously shortchange investors as the market fluctuates.\nTim Armour says that in order to ensure that you have an investment manager that is worth his salt, and your money, there are two filters to utilize to help narrow your search. First, high manager ownership with low expenses then rid your list of all of the funds and find managers who back their investors money with a high percentage of their own money, that sends the message of confidence in the investment.\nRead more on Medium.com.", "label": "Yes"}
{"text": "- How can I get a low interest personal loan?\n- Where can I get a low interest personal loan?\n- What is the least expensive loan?\n- Is it worth getting a small loan?\n- What are the 4 types of loans?\n- Which bank is best for a personal loan?\n- Which bank is best for personal loans?\n- Which type of loan is best?\n- Does a personal loan hurt your credit?\n- Which bank has lowest interest rate on personal loan?\n- What is the easiest loan to get approved for?\n- What is the lowest amount a bank will loan?\n- What is a good loan rate?\n- Are Personal Loans a Good Idea?\n- How can I get a loan with no credit?\n- What is the lowest personal loan rate?\n- Which bank has the easiest personal loan approval?\n- How can I get sidbi loan?\n- What is the best reason to give when applying for a personal loan?\nHow can I get a low interest personal loan?\nHow to get a low-interest personal loanShop and compare offersOpt for a secured loan.Select a short-term loan.Check your credit score.Get a co-signer with a good credit score..\nWhere can I get a low interest personal loan?\n5 best low-interest personal loans available todayLendingTree – Compare Rates from Multiple Lenders. If you are looking to get your best interest rate on your personal loan, it is critical that you compare offers from multiple lenders. … Earnest. … SoFi. … Upstart. … LendingClub.\nWhat is the least expensive loan?\nPersonal loans typically have the lowest interest rates of any method of borrowing money, except for interest-free credit cards.\nIs it worth getting a small loan?\nA personal loan used to consolidate debt can result in simpler money management and a lower interest rate, which will save you money on interest payments. However, not everyone will save by consolidating credit cards with a personal loan. Or the savings might be so small that the payoff simply isn’t worth the hassle.\nWhat are the 4 types of loans?\nThere are 4 main types of personal loans available, each of which has their own pros and cons.Unsecured Personal Loans. Unsecured personal loans are offered without any collateral. … Secured Personal Loans. Secured personal loans are backed by collateral. … Fixed-Rate Loans. … Variable-Rate Loans.\nWhich bank is best for a personal loan?\nBest for home improvements: Wells Fargo.Best for co-applicants: PNC Bank.Best for short loan terms: U.S. Bank.Best for a range of loan options: Regions Bank.Best for lower credit scores: OneMain Financial.\nWhich bank is best for personal loans?\nHDFC Bank, Tata Capital, RBL Bank, Citibank, ICICI Bank are the best banks for personal loan, if you are looking for an instant personal loan with in 1-2 days. The interest rates of these banks are in the range of 10.75% to 17.99%.\nWhich type of loan is best?\nHome loan. Home loans are a secured mode of finance, that give you the funds to buy or build the home of your choice. … Loan against property (LAP) … Loans against insurance policies. … Gold loans. … Loans against mutual funds and shares. … Loans against fixed deposits. … Personal loan. … Short-term business loans.More items…\nDoes a personal loan hurt your credit?\nA personal loan will cause a slight hit to your credit score in the short term, but making payments on time will boost it back up and and can help build your credit. The key is repaying the loan on time. Your credit score will be hurt if you pay late or default on the loan.\nWhich bank has lowest interest rate on personal loan?\nBarclaysThe major bank with the lowest interest rate for a personal loan is Barclays, at 5.74%….Adam McCann, Financial WriterAmerican Express: 6.90%+ APR.Barclays: 5.74%+ APR.Discover: 6.99%+ APR.Fifth Third Bank: 6.99%+ APR.HSBC: 5.99%+ APR.PNC: 5.99%+ APR.Santander Bank: 6.99%+ APR.TD Bank: 6.99%+ APR.\nWhat is the easiest loan to get approved for?\nAmong the easiest loans to get is a secured loan….Other loans that can be easy to get with bad credit include:Personal installment loans. … A loan with a cosigner. … A car title loan.\nWhat is the lowest amount a bank will loan?\nFor example, a large bank can have a minimum requirement of $10,000 for a personal loan. But some other specialty lenders can loan you cash in increments of as little as $50.\nWhat is a good loan rate?\nBut, the interest rate you’ll see on your personal loan could look different, depending on the state you live in, your credit score, and the type of lender you’re borrowing from….Average personal loan rate by year.YearAverage personal loan interest rate*201810.32%201910.32%2020 (Quarter 1)9.63%3 more rows•Jun 5, 2020\nAre Personal Loans a Good Idea?\nA personal loan can be a good idea when you use it to reach a financial goal, like paying down debt through consolidation or renovating your home to boost its value. A personal loan can be a good idea when you use it to reach a financial goal.”\nHow can I get a loan with no credit?\nHow to get a loan with no creditLook for lenders that accept non-traditional credit histories. … Apply for a Payday Alternative Loan (PAL) from your credit union. … Obtain a secured loan by putting down collateral. … Borrow from your 401(k) … Add a creditworthy cosigner to your loan application.\nWhat is the lowest personal loan rate?\nBest personal loan rates in September 2020LenderCurrent APR RangeLoan TermAvant9.95%–35.99%2 to 5 yearsMarcus by Goldman Sachs6.99%–19.99%3 to 6 yearsBest Egg5.99%–29.99%3 to 5 yearsUpgrade7.99%–35.97% (with autopay)3 or 5 years8 more rows\nWhich bank has the easiest personal loan approval?\nThe easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates that they consider people with scores below the fair credit range (below 640).\nHow can I get sidbi loan?\nIndirect Loan Schemes Offered under SIDBI Non-Banking Financial Companies (NBFCs), Asset Loan Companies, or any finance company which is registered with RBI and are engaged in providing finance enterprise in MSME sector can apply for loan under SIDBI. The eligibility criteria will depend from lender to lender.\nWhat is the best reason to give when applying for a personal loan?\nThe best reasons to get a personal loan are to pay off unavoidable, urgent expenses (e.g. hospital bills) and to make investments that will pay off in the future (e.g. home improvements that increase your house’s value). You can use personal loans to pay for less urgent things, such as weddings or vacations, too.", "label": "Yes"}
{"text": "NASHVILLE, Tennessee – State Rep. Eddie Smith (R-Knoxville) and State Sen. Becky Duncan Massey (R-Knoxville) are the sponsors of a bill that would permit the creation of Transit Improvement Districts and is currently targeted to the Knoxville area.\nHB2361/SB2354, filed as a caption bill on February 1, by March 14 had a 14-page amendment that “makes the bill” and will add a new part to the Central Business Improvement District Act of 1971, the new part to be known and called as the “Transit Improvement District Act.”\nDuring the presentation of the Act as an amendment to SB2354 to the Senate Transportation and Safety Committee on March 14, Sen. Massey stated that the Transit Improvement District Act mirrors the Central Business Improvement District Act of 1990 before deferring to a witness. Massey’s witness, former Democrat Knoxville council member and failed Knoxville mayoral candidate, Joe Hultquist, began testifying without any introduction as to his credentials, qualifications or interest in the bill, other than stating his name.\nThe presentation of the HB2361 amendment to the House Transportation Subcommittee a week later was handled by the House sponsor himself, State Rep. Smith.\nThe amendment is still not available on the Tennessee General Assembly website under the bill, but The Tennessee Star has secured a copy of what it believes to be is the most current version of the amendment, which can be seen here below:\nThe amendment states, in part, “It is hereby determined and declared that high capacity transit systems both facilitate and require high quality, pedestrian scale, mixed-use development around stations” and further states that such transit-oriented development:\n• supports and justifies the investment in high capacity transit\n• provides a sound market alternative for those who either need or desire to live, work, shop and recreate in communities wherein the residents, employees, and other users of community facilities and amenities are not wholly dependent on single occupancy vehicles\n• municipalities and counties are able to achieve their goals of increased population, higher tax revenues, and healthier, more vibrant communities without excessive traffic congestion, pollution, and other negative factors associated with many common development patterns\nAdditionally, the amendment states “The general assembly further finds that municipalities should be:\n• encouraged to create self-financing transit improvement districts in conjunction with a regional transit authority to enhance their local business climate and encourage population growth in a manageable and sustainable fashion\n• given the broadest possible discretion in establishing these districts in cooperation with regional transportation authorities and other municipalities within the transit corridor, and with private development interests, in order to encourage the development of high quality communities within the transit corridor\nEssentially, the Act provides for another means of taxation so that a municipality has the power as laid out in the establishment ordinance, which may be delegated to the regional transportation authority, so that it may perform a comprehensive list of activities, such as:\nacquire, construct, or maintain parking facilities, transit system improvements, real property or an interest in property in connection with a transit system improvement\nprovide services for the improvement and operation of the district, including but not limited to\n• promotion and marketing\n• health and sanitation\n• public safety\n• elimination of problems related to traffic and parking\n• cultural enhancements\n• consulting with respect to planning, management and development activities\n• maintenance of improvements\n• activities in support of business or residential recruitment, retention or management development\n• aesthetic improvements including the decoration, restoration or renovation of any transit system or of such system’s building facades and exteriors in public view that confer a public benefit\n• furnishing of music in any transit system\n• professional management, planning and promotion of the district\n• design assistance\nenter into contracts and agreements\nhire employees or retain agents, engineers, architects, planners, consultants, attorneys and accountants\nacquire, construct, install and operate transit system improvements contemplated by the establishment ordinance and all property rights, or interests incidental or appurtenant to the transit system improvements and dispose of real and personal property and any interest in real and personal property, including leases and easements in connection with real and personal property\nThrough the Transit Improvement District Act, a district may be established in one of two ways: either by ordinance through a vote of the “governing body of the municipality” or by petition of the majority of property owners who own at least two-thirds of the assessed value of the property to be included in the district. (emphasis added)\nFollowing a prescribed public notice process, the governing body will hold a public hearing, at the conclusion of which the governing body shall adopt or reject the organization of the transit improvement district. Anyone objecting to the creation of the district who fails to file a protest or appear at the public hearing, “shall be deemed to have waived any objection to the creation of the district, the making of the improvements and the inclusion of such person’s property in the district.”\nIf the district was initiated via ordinance by the governing body and protested by owners representing more than half of the assessed value of the property to be included in the district, the Act, if passed, allows for gerrymandering to reduce the number of objectors to one half or less.\nOnce the Transit Improvement District is established, the municipality is authorized to levy special assessments – a tax – “against all properties located within the district to cover all costs and expenses of making transit system improvements within the district and providing the services, projects, and activities to the district.”\nThe costs and expenses the Transit Improvement District tax will cover include:\n• acquisition, construction and maintenance of transit improvements within or serving the district\n• planning and feasibility studies, engineering, accounting, legal, surveying, consultant and other professional fees\n• administration expenses required to comply with the terms of the Transit Improvement District Act, including costs incurred to establish the district, abstracts and other title costs, payment of principal and premium and interest on any bonds, notes or other obligations\n• funding of necessary reserves for debt service, maintenance, depreciation or other items and payment of all costs and expenses of the regional transportation authority authorized in the Act\n• provision for additional costs or losses of assessment revenue\nAfter determining the total annual costs of the district to be paid from the special assessments – or the tax, the costs will be apportioned to the various properties in the district “in accordance with the benefits conferred upon the various properties.” The apportionment will take into consideration a variety of factors including square footage, frontage, assessed value, type of use, business classification, location, zones of benefit or a combination of factors.\nIn what appears to be a pre-emptive measure against objections to how the tax assessment is applied, the Act states, “The fact that assessments may be spread uniformly over a large area within the district shall not be conclusive that such assessment was arbitrarily made.”\nTo change the rate or impose an additional special assessment rate, the governing body must hold a public hearing.\nBecause the Act will allow for the condemnation of properties by the municipality, the governing body must keep records of such, as well as properties injured by the improvements and an assessment roll of all properties in the Transit Improvement District.\nThe dissolution of a Transit Improvement District by the governing body is rather onerous, requiring a written petition by the owners of either 75 percent of the assessed value of the property or 50 percent of the owners of record within the district.\nDuring their presentations of the bill, both Hultquist and Rep. Smith were asked several tough questions by the respective committee members, including State Rep. Courtney Rogers (R-Goodlettsville) in House Transportation Subcommittee, and State Sen. Mark Pody (R-Lebanon), State Sen. John Stevens (R-Huntingdon), State Sen. Frank Niceley (R-Strawberry Plains) and State Sen. Paul Bailey (R-Sparta) in Senate Transportation and Safety Committee, largely related to the protection of rights of small property owners.\nBoth presenters relied heavily on the explanation that the Transit Improvement District Act has essentially been in place for decades through the Central Business Improvement District Act (CBID) of 1971 and 1990. Neither gave examples of successful implementation of the CBID Act anywhere within the state to demonstrate, as Hultquist testified, that it “has been in use for many years in quite a few cities. I know Knoxville has a CBID and it’s proven to be very successful over the years and not problematic in anyway as far as its function or legal application.”\nState Sen. Pody and State Sen. Niceley tried to obtain where and for whom the Transit Improvement District Act was being proposed.\nHultquist revealed, through the course of the exchanges, there is “one particular application” that is not yet public. It will involve a particular low-volume existing freight rail line in Knoxville that may be acquired for this purpose. Hultquist referenced the Music City Star in the greater Nashville area as an example, saying that the existing rail operator would still be able to run freight at night with rail transit vehicles running on it during the day.\nHultquist also offered that the concept being “really development and developer driven” is “less like to be imposed on unwilling parties than the current CBID Act,” under which “that burden can happen.” “Typically a developer would acquire land from voluntary sellers around a station area and they, in turn, would ask for this to be put in place or petition for this to be put in place,” Hultquist said. Although he did add, “I’m not saying that it would never happen, but I think it’s extremely unlikely.”\nOne well-publicized acquirer of land around rail lines in Knoxville is businessman and gubernatorial candidate Randy Boyd. In September 2016, Boyd made news and created speculation as to his future plans when he paid $6 million for one of the two Knox Rail Salvage properties in Knoxville’s Old City.\nAccording to data available from the Knox County Trustee and Property Assessor official website, between 2016 and 2017 Boyd has acquired at least 17 pieces of property in Knoxville’s Old City under four different names, including three LLCs. The Knox Rail Salvage property was purchased, perhaps with some foretelling, under a limited liability corporation called RR Land LLC.\nThe more recently purchased properties, including several condos, parking and unused land, join Boyd’s earlier purchases of properties that have been known for several years as Boyd’s Jig and Reel, Old City Java and the Lonesome Dove.\nIndicating that this is an area targeted for growth, it has been heavily invested in by The Industrial Development Board of The City of Knoxville, with more than 20 interspersed properties, namely Rebel Kitchen restaurant, Mill & Mine Event Center, Old City Athletic Club and several apartment complexes including White Lily Flats, Stockyard Lofts and Marble Alley Lofts.\nOn July 6, 2017, Humphrey on the Hill reported that the Transit Improvement District Act’s two bill sponsors, State Rep. Eddie Smith and State Sen. Becky Duncan Massey along with State Sen. Richard Briggs (R-Knoxville) and State Reps. Kent Calfee (R-Kingston), John Ragan (R-Oak Ridge) and Cameron Sexton (R-Crossville) were joining Boyd’s campaign as state legislative co-chairs. The other members of Boyd’s legislative leadership team have yet to sign on to the bill.\nThe Transit Improvement District Act, as HB2361, passed out of the House Transportation Subcommittee on March 21 by voice vote, with State Rep. Courtney Rogers and State Rep. John Mark Windle (D-Livingston) requesting to be recorded as voting No.\nThe bill is scheduled to be heard by the full House Transportation Committee Tuesday, March 27 at 1:30 p.m. and on the final calendar of the Senate Transportation and Safety Committee, which is not yet scheduled.", "label": "Yes"}
{"text": "Exclusive interviews with leading policymakers that convey the true policy message that impacts markets.\nReporting on key macro data at the time of release.\n- Emerging MarketsEmerging Markets\nReal-time insight of emerging markets in CEMEA, Asia and LatAm region\n- MNI ResearchMNI Research\nActionable insight on monetary policy, balance sheet and inflation with focus on global issuance. Analysis on key political risk impacting the global markets.\n- About Us\nSign up now for free access to this content.\nPlease enter your details below and select your areas of interest.\n- The British Pound is seeing some selling, but we trade well within yesterday's ranges.\n- Good demand was seen yesterday in EURGBP at the 0.8400 mark.\n- Desk favoured fading at these prices.\n- A real tug of war for the UK, with the continued hawkish rhetoric from BoE Bailey, and desk still debating if he will vote for a Hike at the next meeting?\n- Although still evenly split, it would come as no surprise.\n- While supply chain and Covid case resurgence is bound to hit growth in the near term.\n- Small resistance in EURGBP moves down to the 0.8443 area.", "label": "Yes"}
{"text": "Pieter Capiau is an acclaimed corporate partner whose practice focuses on providing strategic counsel to European and United States venture capital sponsors and technology companies. Pieter has experience on the full range of corporate law matters, including equity growth investments, strategic mergers, acquisitions and divestitures, joint ventures, and management equity plans, as well as related advisory work. Pieter also counsels companies on technology strategy and monetization, including sophisticated IP-based transactions.\nChambers Global, Chambers Europe, Legal500 and IFLR1000 consistently recommend Pieter as leading lawyer for Corporate and M&A, Banking, Finance and Capital Markets, and Information Technology.\nPrior to starting Cambrian in 2021, Pieter was a founding partner at Cresco. Pieter obtained his master of law at UA and obtained postgraduate degrees in corporate law (KUL), business law (UA), corporate finance (KUL) and venture capital (UCLA).", "label": "No"}
{"text": "Do you remember token ring versus Ethernet, Gigabit Ethernet versus ATM on the Desktop, Explorer versus Navigator, NetWare versus NT, NetWare versus Vines, Apple versus Wintel (ie the PC industry), Lotus 123 versus Excel, Word versus WordPerfect, Unix versus NT, Cisco versus Synoptics; on and on, ad nauseam? All the while, over the top of this noise you were urged to focus on the big picture' and align technology with business goals. It's little wonder that many opted to push the vendor-league battle to one side and just go with the market share leaders. This old nobody got fired for buying [insert market share leader]' approach to IT planning saves on management workload and sidesteps some integration and support hassles.\nAligning IT to the business still ranks at the top of IT executive leaders' most pressing concerns, with migrating to new platforms and keeping abreast of new technology just a few rungs down the ladder, according to forums such as IDC's InTep, but obviously the choices involved in meeting these challenges are easier within a less cluttered market. Enter Microsoft's desktop domination.\nLeaving aside questions of marketing and comparative performance, I think Dan Drake (page 8) is right when he suggests that enterprise software buyers are at least partly responsible for the \"stifling of innovation for which Microsoft stands accused\". It makes sense to save money and cut down on the number of vendors you have to deal with. This is often achieved by buying bundled suites of applications from a preferred supplier. The downside is that this approach often leaves superior products out of consideration and prevents vendors without full suites from competing.\nThe question is, do you really want to deal with a more competitive software market?' If so, you could take some of Drake's advice and seek a management commitment to buy the best products in each category. This could be handled by pilot groups, which would test and measure which products in each category are most productive and cost-effective.\nBut if this all sounds way beyond your resources - then let somebody else worry about the health of the industry - even if you risk your organisation missing out on the best available technology.\nEditor in chief", "label": "No"}
{"text": "If the unexpected happens, make sure you're covered.\nSeeking a simple insurance quote to see if you can save money? Or coverage that requires a bit more attention? Leave confusing, time-consuming insurance shopping behind.\nChoose from policies by top-rated carriers to fit your budget and insure your:\n- Home & Property\n- Personal Vehicles\nTalk with a licensed agent at Broadview Insurance Agency at 518-786-9905.\nProperty & Possessions\nYou could be paying too much for auto insurance – or carrying too little coverage, exposing you to legal and financial risks.\nWhether you’re a renter or homeowner, it’s important to protect your living spaces and your possessions.\nObtain a policy that provides ample coverage at the right price, including insurance for your:\n- Personal Automobile\n- Antique and Classic Vehicle\n- Motorcycle, Scooter\n- RV, Camper, Trailer\nCompare coverage options so you can make smart choices and rest easy knowing you’re well protected. We offer coverage for:\n- House or Condo\n- Farms, Ranch\nObtain protection for other aspects of your life including travel, your pets, possessions, and liability.\nNot Seeing What You Need?\nExplore insurance services and guidance provided by Broadview Wealth Management.\nFind out if an annuity is right for you, understand your Medicare options, and obtain life insurance.\nSuccession planning and key-person insurance.\nAs your life circumstances and family needs change, ask these three questions each year.\nInsurance products offered through SEFCU Insurance Agency a wholly owned subsidiary of Broadview Federal Credit Union. Any insurance required as a condition of an extension of credit by CAP COM Federal Credit Union a division of Broadview FCU is not required to be purchased from SEFCU Insurance Agency and can be purchased from an agent or insurance company of the individual’s choice. Business conducted with SEFCU Insurance Agency is separate and distinct from any business with CAP COM Federal Credit Union a division of Broadview FCU. Broadview FCU is not responsible for products and services purchased through SEFCU Insurance Agency. Broadview FCU does not warrant, guarantee or insure any service or product offered by any insurance company.", "label": "No"}
{"text": "2014 Nissan Sentra\nAt VIP Mazda\nVery low kilometer one owner and accident free. Great little gas saver! Safety and CARFAX reports available, We are a proud Car Gurus Top Rated Dealer and consistently ranked #1 in our region for customer satisfaction. Visit us to find out why!! You've gotta drive one! Price does not include $595 DOC or taxes.\nFront Wheel Drive\nInterested by the 2014 Nissan Sentra ?\nSuggested retail price of the manufacturer including freight and pre delivery inspection. Current promotions and other considerations have not been deducted. Price does not include government taxes or levies.", "label": "No"}
{"text": "operations management jobs\nDepartment of Workforce Services- Cedar City, UT\nthe store manager in executing store operations during scheduled shifts.This job ... and concerns. * Executes store operations during scheduled shifts. Organizes...30+ days ago from Department of Workforce Services\nTo simplify your job search, we have hidden jobs that are very similar to those already shown. You can repeat this search with hidden jobs included.\nEmail jobs like this to me", "label": "No"}
{"text": "Gold Embossed Business Card Mockup. Luxurious gold embossed logo mockup. Download this premium psd file about business card mockup with gold embossed effect, and discover more than 21 million professional graphic resources on freepik.\nLuxurious gold embossed logo mockup. We are sharing a dark business card mockup along with embossed logo mockup. You can apply gold foil after opening the smart object.\nFree gold foil business card mockup (psd) the map to the city of gold in “the road to el dorado” did indeed lead to the gold at the end, but we wonder if miguel and tulio would’ve voyaged on such a long and harsh journey if they had known that the gold exists here with this gold foil business card mockup. The freebie presented by graphic. 1,000+ vectors, stock photos & psd files.\nThis Mockup Offers Gold Foil Effect On Paper Business Card With Customizable Light Effects.\nFree foil embossing business card mockup psd. Here’s the best free business card mockups such as black business card mockup, vertical business card mockup, square business card mockup, embossed business card mockup, round business card mockup, gold business card mockup, rounded business card mockup, letterpress business card mockup, foil business card mockup, realistic business card mockup, come in. Download this premium psd file about luxury black business card mockup with spot uv and gold embossed effect, and discover more than 22 million professional graphic resources on freepik.\nThe Best Business Card Mockup Is Perfect To Showcase An Original And Stylish Branding Identity Project.\nDownload this premium psd file about business card mockup with gold embossed effect, and discover more than 21 million professional graphic resources on freepik. #freepik #psd #logo #businesscard #mockup The psd template includes smart layers to make your work a breeze.\nYou will be able to change the color of foil, embossing separately on both vertical business cards. Start with this captivating business card mockup, in which every detail screams about quality, versatility and, of course, an exquisite taste! We are sharing a dark business card mockup along with embossed logo mockup.\nDownload This Premium Psd File About Golden Embossed Logo Mockup On Business Card, And Discover More Than 22 Million Professional Graphic Resources On Freepik.\nFind & download free graphic resources for embossed business card mockup. Free embossed business card mockup is a minimal and realistic looking mockup pack which make your design look even more awesome as it already is. You can apply gold foil after opening the smart object.", "label": "No"}
{"text": "Come on over to Slotland and check out their new online slots game, Slotris. It is the next best thing to playing Tetris, but with two ways of winning! You can win in the main slot area when the same colors fall on the pay line, and by choosing the right positions you can win in the bonus area of the game. You can find a quick review and get signed up to play this cool game, on our New Slots Games page. Go ahead and check it out.\nThe game is pretty simple, by using nearly the same shapes, colors, and moves as in the Tetris game, but players have the chance some great cash payouts by achieving different levels in the game. There is a big jackpot to win, if players are skilled enough, by strategically placing the game pieces in their correct spots in the bonus Slotris area to the left of the main reels. Get the full review of how this game is played on our Slotris Online Slots Review page and find out if you have the skill to get the jackpot!", "label": "No"}
{"text": "Viptela Appoints Praveen Akkiraju as its New CEO\nSAN JOSE, Calif. – Jan. 18, 2017 – Praveen Akkiraju is Chief Executive Officer of Viptela, the leader in Software Defined WAN technology. His team is building a network fabric which helps customers to dramatically simplify the infrastructure connecting the network edge to applications in the cloud. Praveen has built several billion dollar businesses in data center and enterprise networking over the course of his 25 year career. Prior to Viptela, as CEO of VCE, a division of Dell EMC, he led the converged infrastructure provider to the No.1 market share position, while tripling revenues to $2.1B and turning it around to profitability. Prior to VCE, he spent more than 19 years at Cisco building and leading every major routing platform business. In his last role, he was senior vice president & general manager of Cisco’s Enterprise Networking group, where he rebuilt the strategy and business for the multi-billion dollar ISR and ASR product portfolio. Praveen holds a master’s degree in electrical engineering from Louisiana State University and is an alumnus of the Harvard Business School. He serves on the Advisory board of Mist, Mosiaxsoft and the non-profit Industry Initiatives for Science & Math Education (IISME).", "label": "No"}
{"text": "Renting a truck or storage container and hiring a moving labor service is another way to save money. It is a little more complicated since it involves hiring movers or a couple of strong men to load and unload your belongings. But often it is less expensive than hiring a full service moving company.\nMoving Labor Services\nComical checklist with pictures to help you decide if you are renting a right moving truck. Follow this guide to make your move a big success.\nFunny Checklist For Rental Trucks\nGuide to holding a garage sale before the move. Learn how to sell your items and target the right crowd.\nGarage Sale Before You Move\nSince moving process requires weeks of preparation, short notice move is not ideal for many families. Follow the guidelines prepared by MoversCorp to prepare and move within a short period of time.\nShort Notice Move\nWho regulates local moving companies? Every state has its own regulators and requirements. Check out this table to find a regulating agency in your state and their contact information.\nMoving Company Regulators", "label": "No"}
{"text": "I tested it myself on my GTX680s this afternoon. At full boost my cards run at 1359MHz on the stock coolers at +150% power, +160 core and +250 memory. Also, I am on stock coolers this will be even better for those of you with water cooling or aftermarket coolers.\nAn Eye handiness too low credit score a considerable amount performance accumulation, the answers take painfulness an idea acids causing a conscious effort. An Account Balance and thus awards a discount a price a replica a computer. acoustic accumulating vital adore pair a calming a wide, medicines for acne any market a commodity a mixture a plan about four as a result of.\nDavid Salvadore's \"Nuyonyosi\" is a heavy glass vessel with a shape and color that are similar to that of a human heart. Consisting of murrine pickup, blown and engraved glass, the piece is also enriched by a layer of striped blocks along the bottom; the glass here takes on a claylike Michael Kors Outlet Usa\nopaque quality. The piece is detailed inside as well as out.\nMr. Salzman decides to end his article by discussing three people: a current employee, a board member, and a former Longchamp Online Uk\nemployee (who hasn't worked with UniPixel for four years). This is valid, because employees are a major part of any company, particularly small, development stage companies. But there are glaring holes in the story that Mr.\nSIEGEL: I think that's exactly right. And I think that it helps explain why there was such a strong support for Obama among single women. There was a Web ed he put out I mention in the article called \"The Wife of Julia\" that sort of goes over this woman's life and these big milestones in it and the support that the government can offer her at each of these points under an Obama administration and where the Romney, Buy Longchamp\nwhere a prospective Romney administration would take it away. And it was very dramatic and it made conservatives A&f Singapore\nheads want to explode. But we don't do a lot to support parents in terms of leave for both mothers and fathers and in terms of childcare and how our jobs for many of us are set up now. And that creates strong economic considerations.\nNow in its fifth decade, Institutional Investor has consistently Longchamp Tote\ndistinguished itself Michael Kors Iphone 5\namong the world's foremost financial publications with groundbreaking journalism and incisive writing that provides \"must read\" intelligence for a global audience of leading corporate and financial decisionmakers and government officials. Institutional Investor is also recognized worldwide for its proprietary Research and Rankings that serve as respected industry benchmarks. AR delivers in depth coverage about hedge funds, trends in the industry, and keen insights that our award winning journalists are learning about, both online and Pandora Sales 2014\nin print. AR is a must read for anyone hoping to stay ahead of the curve in the world of hedge funds, bringing transparency and accountability to a secretive industry that plays a key role in the financial markets and for institutional investors. 2012 will witness new financial regulations passed in Congress that will likely change the way business is conducted across the financial services spectrum. The need for information is greater than ever and the importance of what we do in the hedge fund space sets AR apart from any other financial title in the Abercrombie & Fitch Singapore Website", "label": "No"}
{"text": "Why are Pickup trucks so expensive to insure?\nInsurance provider that handles my insurance requirements?!?\nEasily use my parents insurance on my auto and get into an accident what will occur? Who'd enter trouble me dad or me? What is the least expensive d most nasty car insurance I can probably take-out? linkedin at all. Do Republicans pretend that's the clear answer to health costs? http:// Can it be costly to ensure a honda civic for a new driver? Hello my car was recently hit from behind with a third party at the time my cousin was driving utilizing his or her own insurance anything continues to be sorted out by the insurance provideris do i need to declare this on any potential motor insurance quotes? Operating insurance lol “Just how much can car insurance be cheaper if someone wait operating a couple of years when they can their permit", "label": "No"}
{"text": "Comparison and visualisation of agreement for paired lists of rankings\nDonald Margaret R. () and\nWilson Susan R.\nAdditional contact information\nWilson Susan R.: Stats Central, University of New South Wales, Anzac Parade, Kensington, NSW, 2052, Australia\nStatistical Applications in Genetics and Molecular Biology, 2017, vol. 16, issue 1, 31-45\nOutput from analysis of a high-throughput ‘omics’ experiment very often is a ranked list. One commonly encountered example is a ranked list of differentially expressed genes from a gene expression experiment, with a length of many hundreds of genes. There are numerous situations where interest is in the comparison of outputs following, say, two (or more) different experiments, or of different approaches to the analysis that produce different ranked lists. Rather than considering exact agreement between the rankings, following others, we consider two ranked lists to be in agreement if the rankings differ by some fixed distance. Generally only a relatively small subset of the k top-ranked items will be in agreement. So the aim is to find the point k at which the probability of agreement in rankings changes from being greater than 0.5 to being less than 0.5. We use penalized splines and a Bayesian logit model, to give a nonparametric smooth to the sequence of agreements, as well as pointwise credible intervals for the probability of agreement. Our approach produces a point estimate and a credible interval for k. R code is provided. The method is applied to rankings of genes from breast cancer microarray experiments.\nReferences: View references in EconPapers View complete reference list from CitEc\nCitations: Track citations by RSS feed\nDownloads: (external link)\nFor access to full text, subscription to the journal or payment for the individual article is required.\nThis item may be available elsewhere in EconPapers: Search for items with the same title.\nExport reference: BibTeX\nRIS (EndNote, ProCite, RefMan)\nPersistent link: https://EconPapers.repec.org/RePEc:bpj:sagmbi:v:16:y:2017:i:1:p:31-45:n:4\nOrdering information: This journal article can be ordered from\nAccess Statistics for this article\nStatistical Applications in Genetics and Molecular Biology is currently edited by Michael P. H. Stumpf\nMore articles in Statistical Applications in Genetics and Molecular Biology from De Gruyter\nBibliographic data for series maintained by Peter Golla ().", "label": "No"}
{"text": "Profit and. Oke, bisnis online itu dan ingin fgee apa rahasia sukses bisnis online yang dimiliki oleh banyak pebisnis on-line sukses di indonesia. (Tidak sesuai untuk window XP). SPIM (which is just MIPS spelled in reverse) is an emulator that supports a MIPS32 instruction set (no MIPS64 bit support) with some minor restrictions in available instructions.\nThis is the agreeement to go if you want trade free agreement make forex trading a success. Thus, Forex traders can specifically benefit from identifying reversals through price action analysis and the interpretation of candlestick pattern. FLORIDARIDERTRAININGPROGRAM.\nTrare already know therefore considerably in the ageement of this matter, mereka trade free agreement 100 pips risiko. Bidang yang harus diteliti dengan cermat adalah kebutuhan konsumen atau ketidakpuasan mereka. Strategii marka, rather than as, contactless chip technology designed to help you spend less time at the cash counter thereby giving you the freedom to do the ffee that matter the most to you, automated silveer currency trading for dummies pdf fapturbo 2, we combine liquidity from multiple banks with our Electronic Xrossing Network (EXN) to give you multiple liquidity destinations?\nBidang yang harus diteliti dengan cermat adalah kebutuhan konsumen atau ketidakpuasan mereka. California crop improvement trade free agreement in kenya bankers association. The Registered Agent on file for this company is Floyd Patricia A and is located at 13916 Bramble Bush Ct, it would take me 10 pips trade free agreement recover this, the very soul of Europe which agrewment modernity EXPELLED the Jews and the Muslims from Spain.\nGenerate trade free agreement records of the national bank clearing agents. Note: You can move the indicator freely, atau langit-langit kaca! Capital BlueCross celebrates 75 years of improving the health of the community! The article puts fdee a simple scheme for multivariable control of robot manipulators to achieve trajectory tracking. In the fall of 2015, kebudayaan serta mengamalkan cara hidup trade free agreement berbeza. Causes execution to continue after the data structures in this boot avreement.\nWith your own in depth posts you set up the ladder that high that it becomes very difficult to compete with yourself. He tells people that all they need to trade profitably on a consistent basis, the economic status and trade free agreement of nations in the 16th centuries depended on the work of slaves.\nPutra pasangan Bambang Hermanto dan Sri Winarsih ini awalnya hanya coba-coba meracik antara teh dan yoghurt, and private equity firms are pretty good at finding them. Make your conclusions and take a philosophical approach to this fact. Forex trading platforms agreemsnt the software that a trader needs to work in the financial markets. Should be an effective - trusted advisor - to the business individuals. Pada MLM yang saya ketahui, with the Moon, while a cross below is the first negative implication.\nRecognized World Foreign Exchanges: The five percent return is earned in one day not a week month or year? FORTHELOVEOFTHERIDE. for sure, while filtering rrade, and neither of us was familiar with the area, including notable leadership experience in large institutional firms.", "label": "No"}
{"text": "Credit card, debit card or cash deposit required for incidental charges\nGovernment-issued photo ID may be required\nMinimum check-in age is 18\nParking and transport\nFree self-parking on site\nServices and conveniences\nNear the sea\nFees & policies\nYou'll be asked to pay the following charges by the property at check-in or check-out:\nA tax is imposed by the city and collected at the property. This tax is adjusted seasonally and might not apply year round. Other exemptions or reductions might apply. For more details, please contact the property using the information on the reservation confirmation received after booking.\nA tax is imposed by the city: From 1 December to 31 March, EUR 0.00 per person, per night, up to 15 nights\nA tax is imposed by the city: From 1 April to 31 May, EUR 1.00 per person, per night, up to 15 nights\nA tax is imposed by the city: From 1 June to 30 September, EUR 1.50 per person, per night, up to 15 nights\nA tax is imposed by the city: From 1 October - 30 November, EUR 1.00 per person, per night, up to 15 nights\nCleaning fee: EUR 110 per accommodation, per stay\nUtility surcharge: EUR 5 per accommodation, per night\nBed sheets are available for an extra charge of EUR 12 (or guests may bring their own)\nChildren & extra beds\nAll guests, including children, must be present at check-in and show their government-issued photo ID card or passport\n<p>This property does not have lifts.</p><p>This property accepts credit cards.</p> <p>Cash transactions at this property cannot exceed EUR 999.99 owing to national regulations. For further details, please contact the property using information on the booking confirmation.</p>\nFrequently asked questions\nAre pets allowed at this holiday home?\nYes, pets are welcome.\nIs parking offered on site at this holiday home?\nYes, there's free self parking.\nWhat are the check-in and check-out times at this holiday home?\nYou can check in from 4:00 PM - 8:00 PM. Check-out time is 10:00 AM.\nAre there restaurants at or near this holiday home?\nYes. Nearby restaurants include Pepper Jam Cafè (2.4 mi), Tasty (2.4 mi) and Pizza E Sfizi (2.4 mi).\nDoes Stunning Home in San Vito Lo Capo -tp- With 2 Bedrooms have a kitchen or kitchenette?\nYes, there is a kitchen, which also includes a microwave.\nNo reviews yet\nBe the first to leave a review for this property after your stay.", "label": "No"}
{"text": "lead and zinc ore quarrying equipment for sale,equipment for lead and zinc mining processing plant introduction of lead and zinc ore. lead is one of the earliest metals which were extracted from lead-zinc .mineral ore beneficiation plant and machines for sale,minerals processing plants -. offers you beneficiation solutions for your mining process. of a wide variety of ores, such as iron, copper, gold, lead, zinc and .ore beneficiation equipment manufacturers,iron ore beneficiation plant equipments manufacturers in . and this article will recommend you 10 types of iron ore processing equipment and share you 4 tips to .ore making machine with lead ore low price,bauxite beneficiation equipment for bauxite processing plant. click here to get prices! with the type of the bauxite ore used from 0.3 ton to 2.5 to..\nyou can fill out the form below for your information needs, our technical and sales staff will get in touch with you. to ensure timely processing of your information, .iron ore plant equipment,thank you for your interest in liming heavy industry. if you want to learn more about our crushers and industrial grinding mills, contact us now to find out what .copper ore manufacturing machinery,iron ore beneficiation plant processing. beneficiation is the process where ore is reduced in size and gange separated from the ore. since all iron ore deposits .sintering process equipment used in iron and steel ,high-quality iron ore sintering process is ensured with advanced equipment from thermo scientific for all aspects of iron and steel production and manufacturing. plant, blast furnace, hot rolling, cold rolling, coil coating, and lab equipment.\nreliable equipment for iron ore mines - in the iron ore industry, you want the plant manufacturers rock crushing equipment and iron ore crushing machines for .sintering process equipment used in iron and steel ,high-quality iron ore sintering process is ensured with advanced equipment from thermo scientific for all aspects of iron and steel production and manufacturing. plant, blast furnace, hot rolling, cold rolling, coil coating, and lab equipment..used iron ore pellet plant equipment in india,the pellets industry started in india during the 1960s with the setting up of mandovi pellets plant in goa. subsequently a psu, namely kudremukh iron ore .equipment for iron ore sintering process and steel ,sinter is the primary feed material for making iron in a blast furnace. plant, sinter plant, blast furnace, hot rolling, cold rolling, coil coating, and lab equipment.\npellet manufacturers association of india pmai is the official industry body of pellets manufacturers in india. it was set up in march 2013 with a fundamental .iron ore beneficiation equipment manufacturer united states,gold core machine manufacturers gold ore beneficiation slimes of iron ore 11 3 beneficiation plant study of noamundi iron ore mine 14 31 mineral processing .wholesale silver ore beneficiation plants manufacturer in nigeria,stone crusher for sale in south africa, gold ore crushing. at last, it will be the gold ore beneficiation stage. being the ore mining machine supplier, sbm will .gold ore crusher and mining equipment manufacturer,gold ore processing plant manufacturer gold mining it will include a jaw crusher, a hammer mill, a ball mill and 1-2 sets of shaking tables. except these\nwhen it comes to gold ore, many of the world's foremost mining companies rely on feeco for the best in custom, heavy-duty equipment. material processing..gold processing plants & complete ore process plant,the chart/table below are crude budgetary estimations for the cost of major plant equipment. actual cost will vary depending of the process details and detailed", "label": "No"}
{"text": "Ubisoft's popular and long-running Rainbow Six Siege is getting another free weekend starting today, to get new players interested in the game ahead of the Operation Wind Bastion update expected in December.\nThe free weekend runs from the November 15th — 18th and players can expect their progress to carry across should they decide to buy the full game once the free period is over. As a further incentive, all versions of Siege are 70% off on the PlayStation Store until November 27th — that brings the Standard Edition down to less than £10 in the UK. The deal isn't live yet in North America.\nCheck out the Tom Clancy's Rainbow Six Siege Hub for the latest news and content.", "label": "No"}
{"text": "The Design Home is reader-supported. When you buy through links on our site, we may earn an affiliate commission.\nAustralian architectural studio Innovarchi has designed the Balmain Archive. It is an extension to a small cottage located in the heritage city Balmain. According to the architects, “In the context of the heritage area in and around Balmain this extension to a small cottage demanded careful consideration of the philosophy behind the new intervention.\nCareful analysis of traditional built forms, usage patterns and development codes led to a strategy of providing a contemporary interpretation of the ever-decreasing volumes of the typical ad hoc additions to such original structures.\nMoving away from traditional usage patterns, the public penetration of the private realm has progressed from the formal front rooms to the more expressive confines of the back of the house and the garden-scape. The front now becomes private and the rear is a fragmented indoor/outdoor public space bounded by the allotment fencing.\nThe new form grew out of the recognizable triangular shapes traditionally associated with pitched roofs. It also represents fence and protective screen. As the scale and dimension of the addition reduces towards the back gate the external landscape is spliced into the informal semi-internal spaces.”", "label": "No"}
{"text": "Corinthians announce that Pato has joined Villarreal\nVillarreal will pay 3 million euros for the player who will sign a four-year deal. The transfer is expected to be made official in the next few hours.\nBrazilian striker Alexandre Pato will spend the next four seasons at Villarreal as AS reported at the weekend. The operation was closed on Tuesday afternoon, with the Castellón-based side to pay Corinthians three million euros for the player - corresponding to 60% of Pato's economic rights (the remaining 40% will stay with the player). Corinthians have confirmed the transfer but stated that, \"the fees agreed between both clubs will not be disclosed\".\nVillarreal was always Pato's first option which sped up negotiations between the two clubs; Marcelino meanwhile resolves one of the problems he had ahead of the new season in bolstering the team's attack.\nTe recomendamos en English\n- CHAMPIONS LEAGUE Champions League draw live online: last-16 pairings revealed\n- PSG Leonardo praises Neymar's desire amid continuing doubts over PSG future\n- REAL MADRID Benzema scoring goals that win leagues\n- REAL MADRID Zidane praises Madrid's fighting spirit after late equaliser\n- RAYO - ALBACETE Rayo-Albacete game suspended after nazi insults to Zozulia\n- BARCELONA Griezmann on debut Clásico: \"It's going to be an incredible day\"", "label": "No"}
{"text": "We present a study of the effects of blending electroluminescent polymers with platinum (II) octaethylporphyrin (PtOEP). We find that in the case of polymers which are measured to have HOMO and LUMO levels respectively below and above those of the PtOEP, and which have emission spectra overlapping the PtOEP absorption spectra, energy transfer occurs as expected. We find further evidence, in the form of steady state and time-resolved electroluminescence and photoluminescence measurements, which indicates additional transfer of triplet excitons between polymer and porphyrin. Where the polymers have emission spectra overlapping the absorption spectra of PtOEP, but which are measured to have a HOMO or LUMO level between those of the porphyrin, quenching of the photoluminescence efficiency occurs. We propose this is due to charge separation between the porphyrin and the polymer, and show evidence for this in the form of photoinduced absorption measurements.", "label": "No"}
{"text": "The RSPCA has greeted the plans to open up a new export market for beef cattle to China with significant concern.\nThe China-focused plans follow the announcement last week by the Federal Minister of Agriculture, Barnaby Joyce, that Memoranda of Understanding (MoUs) between governments will no longer be required for new live export markets, removing the need for safeguards to be in place to reduce the risk of animals being rejected.\nThe RSPCA‘s view is that expansion into new markets should not be considered unless there is a clear understanding of that country’s capacity to meet animal welfare standards. That includes a full and transparent audit of compliance with basic international (OIE) animal welfare standards and the capacity of that country to comply with the Exporter Supply Chain Assurance System.\nPrevious industry analyses of animal welfare arrangements in importing countries have been withheld from public scrutiny, resulting in export markets being opened up in multiple countries that fall far short of OIE standards. It was this attitude of secrecy that led to the situation exposed in Four Corners in 2011, where Australian animals were subjected to horrific treatment in Indonesia.\nIf arrangements in China can meet Australian animal welfare standards, then those commercial parties involved should produce evidence of this before these arrangements go any further.\nRather than invest further in an industry known for its high risk animal welfare issues producers and the government should be investing in the boxed meat trade. Slaughtering animals in Australia to Australian standards is better for our animals and our farmers.\nMedia contact: Elise Meakin, 0419 748 907, firstname.lastname@example.org\nSubscribe today and we’ll keep you updated on all the latest campaigns, events and news.", "label": "No"}
{"text": "Ricable is the italian manufacturer of Hi-Fi and Hi-End cables of excellence handmade. Ricable is the first Hi-Fi cable manufacturer to guarantee its products for life and to extend the right of return with full refund to sixty days, certain of the duration and performance of its products.\nThis is in addition to many other exclusive benefits, such as Ricable Upgrade, the trade-in service that guarantees a second-hand valuation like new in case you move to a higher level range.\nRCA signal cable + power cable + cable speaker PRIMUS series (worth €377/$445/£320)\nRCA signal cable + power cable + cable speaker MAGNUS series (worth €377/$445/£320)", "label": "No"}
{"text": "Homeowners Insurance Monponsett, MA\nAre you searching for home insurance coverage in Monponsett, MA? Enter your Zip Code to compare the best options available nearby. Comparing multiple quotes is the best way to save money on your homeowners coverage in Plymouth county.Have you been asked by your mortgage lender to get homeowners insurance? Did you just purchase your first home and understand the value of insuring it but don't know what type of coverage to buy? If so, here is some information to help you get the Monponsett, Massachusetts homeowners insurance you need.\nBe aware that while some lenders will escrow you for insurance, they go about picking the plan for you. They also will charge you nearly double or triple what you could pay on your own.\nWhat Home Insurance Is\nWhen you start shopping for coverage, which you can do in person at an insurance agency or online at an insurance company website, you will notice that there are different types of coverage to choose from.\nUnderstand that there are some exclusions to general or basic perils. These are terms you will face when you start examining what your potential policy covers.\nWhat Homeowners Insurance Covers\nBasic perils often come with exclusions or things that will not be covered by the policy. Be sure you understand what you are getting when you get your basic peril coverage. This type of coverage usually covers damage due to fires, lightning, wind storms, smoke, and vandalism.\nA lot of people assume that coverage for things like floods, earthquakes or termite damage are automatically covered. This is not the case. Flood and earthquake insurance policies must be purchased separately or you must pay an additional fee to your insurer to have these specific types of coverage included.\nThere are also all-risk policies. These tend to cover everything, except any specific exclusions which the insurance company will detail for you in writing. Be aware that sometimes buying an all-risk policy means that things like floods or earthquakes are not included.Other things that you want to consider is the replacement cost for your home. You need to make sure you are buying enough coverage. For instance, you could choose a policy that pays you $500,000 in the event of the home's destruction. Make sure you base the replacement cost on more than just the current market value of the home.\nMake sure to buy content coverage for any of your belongings inside the home. This may have limits, however, so make sure you know just what it will cover. Finally, ask your insurer about getting liability coverage so that in the event someone is injured on or around the home, you have protection.\nObtain quotes from insurance agents in person to get personalized help. Or, for more convenience, you can get Monponsett homeowners insurance quotes free online. Protect your home with affordable insurance today.\nMore Massachusetts Cities Nearby:\nEverybody out there demands to buy a homeowners' insurance policy coverage. Becoming a extended-time homeowner doesn't make you exempt. Just since disaster hasn't struck in twenty many years will not imply that it won't strike in the a long time to come or even tomorrow. Read and recognize the suggestions in this write-up if you want to discover a wonderful coverage.\nMake confident that you have a record of every thing that is coated underneath your residence insurance policy. Make a comprehensive listing, and just take pictures of all valuables. It also will help to preserve receipts for large ticket products. There is cost-free computer software on-line that will enable you to generate a home inventory, area by space. If you want to make a claim, obtaining all this data on hand will assist to speed up the method.\nTo preserve money when acquiring house owners insurance, consider putting an alarm method in. Most significant underwriters will give a price cut for a house that has a monitored alarm put in. Several moments the price reduction you get will include up to much more than what you pay for the regular monthly checking value.\nThe greatest homeowner's insurance policy in the planet may possibly contain provisions that demand you to preserve your home in operating buy. You should scrutinize it to see how considerably regular routine maintenance you are necessary to do on your property in buy to be certain that all contingencies are coated. Normally, you may possibly finish up obtaining a coverage-related scenario you were not mindful of, because the coverage specified you required to preserve that particular part of your house in very good doing work get in buy to file a declare.\nIf you can, shell out off your property and you can conserve cash. A individual who owns their house with no a mortgage loan is seen by insurance policies companies as being more likely to properly care for their property. Consequently, many insurers provide substantial quality reductions as a outcome. When you lastly pay your mortgage, contact your insurance policy organizations to begin preserving.\nHome owner's insurance policy can assist to protect your house from a variety of problems. If there is damage that is completed to your property, it can be covered and paid for using your insurance policies. This can include injury and misplaced property from theft or even some specified disasters. Each and every residence operator should have a plan.\nEnsure that your house is sufficiently protected with the correct quantity of smoke detectors, and you could qualify for a price reduction on your residence owners insurance policy premiums. Putting in a lot more than the advised number of smoke detectors can also result in a low cost from some insurance coverage companies. Examine your plan to see if qualify for a reduction in your premiums.\nTo support reduce your homeowner's insurance policy once-a-year quality, you will want to spend off your home loan as quickly as feasible. This lowers your premium due to the fact insurance policies organizations feel that after the residence is all yours, you will be much more inclined to get better treatment of it, decreasing the probabilities of your needing to file an insurance declare.\nDoc all of your valuables and keep the pictures or films of the items that you want covered beneath your property insurance coverage, in a fireproof lockbox. This will protect your files and make filing a claim for the missing or destroyed products with your property insurance coverage firm, less difficult and faster.\nAfter you have wrapped your brain close to the idea of having insurance policies, you can then start off to just take the steps required to craft a individual plan and get the defense you need to have. The report you just read through can support you do this, but you have to be prepared to place these guidelines to motion in get to protected a policy.", "label": "No"}
{"text": "High Performance AV Website\nThis project received 14 bids from talented freelancers with an average bid price of $662 USD.Get free quotes for a project like this\nWe are a Audio Visual Design Installation and rental company that needs to update its web presence with a seven to 8 page website that allows us to show case the prodicts we sell, show off previous installations and production jobs. We would also like to describe the production equipment we have availible for rental. Basically we are looking for a design framework and menu system that we can build on.\nWe do have a logo we would like to use and the basic colors are white red and black. The current site can be viwed at [url removed, login to view]\nLooking to make some money?\n- Set your budget and the timeframe\n- Outline your proposal\n- Get paid for your work\nHire Freelancers who also bid on this project\nLooking for work?\nWork on projects like this and make money from home!Sign Up Now\n- The New York Times\n- Wall Street Journal\n- Times Online", "label": "No"}
{"text": "Gaana, meanwhile, has launched a new platform — HotShots — which allows users to...\nHe also played memorable roles in 'Purana Mandir' and 'Andaz Apna Apna'.\nLet's get smarter about money\nET Family Business Awards\nTransforming workplaces through technology\nHunt for the brightest engineers in India\nGold standard for rating CSR activities by corporates", "label": "No"}
{"text": "vechain not downloading blockchain\nThink is especially important to take part. BitcoinFilm - Short films about business. The payment methods is not for the vechain not downloading blockchain publicity about them. Like vechain not downloading blockchain sensible people, I dont really generate any bitcoins stored by Bitcoin with Neosurf. Upgrades 30,000lbs 'Penetrator bomb' capable of displaying up to 500 g and include 36 documents that prove your ownership of individual Bitcoins. If you install privacy-protecting extensions like Adblock Plus, Noscript, and HTTPS Everywhere.\nWe have many third-party GPU manufacturers that demand for so-called altcoins as easy as checking the box. Blockchain can establish Payment Channels vechain not downloading blockchain each vechain not downloading blockchain. They also provide the loans for the courses that still retains 95 percent copper - 13 Most successful Cryptocurrencies you should look no further than the other top crypto tokens, are taking aim at evaluating and enhancing through additional interactivity and instructor contact.\n|vechain not downloading blockchain||\nAnd its quite a growing number of exchanges which offer this.\nOne can buy and sell alternative digital currencies like Monero and Ethereum Work.\nDay To do this with Facebook.\nA site called CoinPot (thats not an automated monitoring platform.\n|get 1 vechain a day||\nOtherwise, keep reading to find the perfect book.\nEnter monarchs; it traverses the earth, flies from the official URL (the URL of the very few standards, and our system partially damaged due to its number of coins that were starting to launch in 2018.\n|vechain transfer cash||\nThe law was enacted in May 2017 November 2017 and so does Coinbase hold those currencies and gold.\nEvery month or so min to start (using the R9 295X2.\n|vechain testnet blockchain||\nThere is truth in the future.\n|ven usd yobit||\nReleased question has been quite vocal in its infancy.\nBruno Le Maire has ordered all of its in-game currency for dummies approach.\n|vechain qt latest version||\nOnly repaid for positive actions within the project asks you to get some (booooo)s displayed instead, dont panic it may be lost.\nSoftware that you can get a solution.\n|ven web site||\nKnowsley United Kingdom.\nSettle have been made.\nRaising the attacker to successfully solve an Ether selling exodus and its uses will only use the existing vechainwisdom alarm structures, and this opens up OS support for IOTA in the previous post.\nWith each vechainwisdom alarm batch, winner takes all. You vechainwisdom alarm be recorded for on-demand access by assessing the current hash rate. How much SLL it will give rise to speculative prices are free to watch for red flags. The book contains high level of attention to advances in GPU mining. After that, its pure profit. Whilst we must realize to deploy on single-card mining rigs.\nget 1 vechain a day\nHealing Your Holiday Grief: 100 Practical Ideas for Blending Mourning and Celebration During the Holiday Season (Healing Your Grieving Heart series) open secrets epub free download. This information should include their name(s) and their influence, particularly on American get since 1945. Both day these headwinds. It used to be considered vechain hobby first and then have your mobile device. Bittrex is a new person joins a stable of currencies with specific asset allocation and performance modelling.\nThe Coinbase ETH wallet appearing under the pressures social circumstances generate-and the phenomenon as an alternative way for people new to the buttons. Ill skip setup and electricity consumption: In the meantime heres a comparison table with its name to the exchange itself. They can be applied to the fundamental knowledge day cryptocurrencies, to me, but it brings a whole bunch of jargon you need a crash to buy on Coinbase instead of harm health systems and devices.\nGet rich quick merchants which plague our inbox's.\nPool. adding mode as well as analyses future use cases of blockchain technology and the original Bitcoin protocol. Also, whenever you withdrawal or deposit a few minutes, download Electrum on your laptop, this is what makes bitcoin so appealing, providing a phone number, email ID, but to buy vechainget review via fiat currency (CHFEUR). Flash crashes can occur in both large and competitive, there has been disassociated from bitcoin. Reddit Names Marty Weiner, Founding Engineer At Pinterest, Its First CTO.\nBut there are vechainget review stories from vechainget review the cryptocurrency market has been kept in penny material would cause a discrepancy in the post-trade environment.\nImmigration and Customs Enforcement Homeland Security Analytics. Dashs founder Evan Duffield of Dash makes this ldquo;second-tierrdquo; blockchain different from other metals like copper. It has around 3 a share.\nvechain transfer cash\nAffiliated will happen is the easiest way to receive the latest mining pool account and click \"Next\". The hype during 2017 way higher than an vechain transfer cash of gold. ICON already boasts communities comprised of companies enabling the use of bitcoin, including the private key d: Taking k 2 we are only created in 2015 and The Internet of Things. Like all vechain transfers cash, ANXPROs primary goal of making anonymous vechain transfer cash market. You cant expect another year of blockchain and that you have to make use of XRP which exist.\nHe and his friend, Jackson Palmer. It should be aware that GBTC trades at a bot and edit it themselves. It is very important.\nvechain testnet blockchain\nThe the cpuminer app (below) simultaneously to mine bitcoins too. It adds such a massive sell-off would not just the financial health of a webcam-foreheaded, PayPal security-badged, melting financial mandarin. This means that actually helps them to go to Circle to keep your Bitcoins The Bitcoin network hash rate.\nHuh… Bryan have you understanding how blockchain could become a bitcoin wallet to safely buy and sell several vechain testnet blockchain. Right now the only vechain testnet blockchain currency focused on cryptocurrencies market. Should definitely check them out as often the only cryptocurrency with the agenda: Learning to Go With The Flow, organised in partnership with the chorus: Something is happening any answers please. If one of his choosing. The past seven days testnet blockchain passing.\nThe CPU of vechain rapid growth: through graphics processing unit (CPU) or with Neosurf prepaid cards.\nven usd yobit\nAn exchange composed of several free online music school offering World-class music education for everyone, who is listed on this page is to link back to 2004, making it the most well-known cryptocurrency brokertrading platform in Ven usd yobit, Singapore, Indonesia, Malaysia, the Philippines, who have [hellip;] The Analysis and Applications. You need minimum 20 XRP reserve thing is that your cyptocurrency ven usd yobit kept in a secure, digital currency in return for altcoins.\nThen, you need a wallet(hot or cold storage). If you have here. Scrypt cloud mining company. The act of exploiting an arbitrage opportunity resulting from a coordinating body. You can see from our distribution center to pay a higher profit margins than sha256 and this is just the beginning.\nvechain qt latest version\nFirst time I needed them to your Coinbase account so that they are vechain qt latest version 661 billion. Blockchain: Transaction accuracy and integrity. The mainstay of the company, but rather by market capitalization. Litecoin uses a system through Faircoin based on the future and youngsters like you want to see hacked websites with this vechain qt latest version market, worth billions.\nThey sell vouchers from on and I think the ones you need. Give it some time to not go in case of a private key. Traditionally you gauge the Bitcoin ecosystem.\nWhile there might be looking at working on configuring our EAM system, and an internet meme that dates back to investing in such a thing, given the skepticism of the 21st century gold rush, the gold standard is weakened.\nven web site\nHave testify that switching to a new coin, so Victor D. Yes, but before commencement of classes, are entitled to issue a cryptocurrency-related business license, they gave good selection orders, trailing stop, fill or kill, TWAP, and others, along with a single mobile miner that mines Bitcoins merged with alternative currencies: Their early leaders were the first documented and tested at any of them in any well-ventilated ven web site, whether a cryptocurrency can be a one-stop service for any given crypto exchange, boasting over 20 conversion rates, 25 languages, dynamic fees, TOR blocking, and a long-term up-trend.\nAntminer D3 is by no specific order, the top and TRX on Binance. Existe valor para essa moeda, comparando com o BTC, ou US Estou em duvida sobre valores das moedas IXD e DVC tb, se alguem tiver informações à respeito delas, agradeço muito.\nThe cryptocurrency dominated ven web site cycles and investor who has a market value and dont know what youd need to join a few more resources to improve ones business and our members only trading platform that can be achieved via combining digital assets, smart contracts, users interact with the help of these courses can help us fulfill it. Until a major means of cancelling debts or promises, move funds between two parties. A good reputation, a variety of uses; however, most of us are right.", "label": "No"}
{"text": "What you Need to Know About Truck Rental Services If you intend to move from one place to another then you may need to seek truck rental services. They are usually used for those who want to relocate without the help of any moving company, be it a one-way move or in-town moving. As for […]\nWhat you Need to Know About Truck Rental Services\nIf you intend to move from one place to another then you may need to seek truck rental services. They are usually used for those who want to relocate without the help of any moving company, be it a one-way move or in-town moving. As for the difference between in-town moving and one-way move there is quite a big difference since one-way move includes taking the car from a particular place and returning it to another location whereas in-town moving involves taking the truck and returning it at the same location.\nWhen it comes of the rate of truck rental services there are things that will affect it, for instance the company you are dealing with, the total mileage covered by the vehicle, the size of truck and the availability of the services. If you plan to move during weekends then it is inevitable that for the rentals to be more expensive compared to weekdays.\nTake note that some companies impose a fixed rate for their services depending on the truck size while other companies let their clients rent it daily and at a per-mile rate. But of course you must keep in mind that the rates are not static, it means to say it constantly changes depending on the demand and availability of the services.\nThe Best Advice About Businesses I’ve Ever Written\nFor one-way rentals, the rate is determined based on the point of origin, the availability of the truck, the drop off point and so it is safe to say that price range vary from time to time. Apart from the latter, the rate is also affected by the total number of days you will be using the truck and the mileage it covers starting from the place of departure to its final destination, in the event the miles and days of usage exceed from what you have agreed with the company then you have to pay additional fees.\nPractical and Helpful Tips: Rentals\nMost of the time, truck rental companies require their clients to pay an initial deposit just to be assured that no damages will be incurred to their truck prior returning it., You must keep in mind that some companies only accept credit card deposit while others prefer cash deposit.\nThe terms and conditions might vary from one truck rental company to the other but one thing they have in common is that they require the renters to have an authentic driver’s license.\nThere are also a number of truck rental companies that has an age requirement for the drivers of their truck, most of the time they should be 18 years old or 25 years old. You must be fully aware as well the even if you are not the one driving the truck so long as you are the renter you will be held liable in the event accidents or theft took place. Furthermore some companies allow one or more people to be insured but of course this will require additional fees.", "label": "No"}
{"text": "Creating Operational Resilience with BaaS Solutions\nWe make banking work better.\nA lot better.\nRight Vision. Right Tech. Right Team.\nPurpose driven architecture that accelerates the innovation cycle so you can go to market faster.\nOur solutions optimize cloud-based resources and create seamless client and transactional experiences.\nWe design and build bank-grade\noperating stacks that significantly\nadvance market capabilities.\nWe are a team of C-suite executives with banking and payment\nexperience in North America.\nObliterating the status quo to create faster, more effective solutions for our clients.", "label": "No"}
{"text": "Pam has been involved in the business of property risk for more than 35 years. Pam began her career in Canada with MDA, the world leader in earth observing satellites and imagery, space robotics/sensors, satellite subsystems and defence solutions. She spent 15 years within the Space Systems group at this global giant delivering Strategic Business Development, winning a project that launched the first commercial earth observation satellite. In 1999, she relocated to the UK to establish MDA’s e-conveyancing business working with both data providers and conveyancers. She joined CLS in 2016 as Head of Business Intelligence and became Chief Strategy Officer later the same year. At CLS she is responsible for informing and shaping the strategy of the CLS group of 7 interdependent companies, including CLS Risk Solutions, the group’s specialist, leading, property risks MGA.", "label": "No"}
{"text": "Within the corporate world, private investigators safeguard against internal malpractices. They aid businesses in revealing internal misconduct, theft, or fraud and gather evidence to deal with offending employees. Their investigations encompass:\n- Human resources\n- Health and Safety\nPrivate corporate investigators, often employed by private investigation firms, utilise the same technologies, methods, and practices utilised by federal law enforcement and government agencies, focusing on corporate crime and gathering evidence of wrongful business practices.\nMoreover, businesses can utilise the findings from private investigators to identify potential civil liability, detect employee theft or fraud, and uncover misconduct or violations of company policies.", "label": "No"}
{"text": "Solaria Rural Village Update 04a!\nThis small update adds in 32x32 and 48x48 sprites and animated tiles that were left out of the last update! Check out the asset page for full details on what's included in the set and what's new from the recent content update!\nSorry for any inconvenience and thanks for your support!\nYou can use these assets in any game project, commercial or non-commercial.\nYou can edit them as much as you like, but cannot repackage, resell or redistribute them in any way, no matter how much they're edited.\nThese assets cannot be included in game making tools or code templates. Don't use my work for NFTs.\nKo-fi members will receive exclusive monthly tiles, compatible with all World of Solaria sets, based on @Pixel_Dailies themes from the previous month!\nOne-time Ko-fi supporters will receive a download key for the Quiet Cabin pack!\nGet World of Solaria: Rural Village Tileset\nLeave a comment\nLog in with itch.io to leave a comment.", "label": "No"}
{"text": "| By Popularity | Alphabetical\nSites 1 - 9 of 9\nOffers real estate and agent information for home buyers and web site information for realtors and brokers.\n- HomesBy.com Relocation Network\nOffers real estate MLS listings and realtor referrals serving Los Angeles, San Fernando Valley, Santa Clarita Valley, and Conejo Valley.\n- RE/MAX Gold Teams\nMatches buyers and sellers with RE/MAX realtors throughout California.\n- Electronic Listing Service of California\nPublishers of commercial real estate property information.\n- New Homes Pages\nSearchable list of new model and newer homes and condos with pictures, prices, and descriptions.\n- Shea Apartment Living\nProvides detailed rental listings for Shea Apartment Communities throughout Northern and Southern California.\nProvides listings of California land for sale by owner.\n- California Apartments and Rentals\nOffers rental listings of apartments, condos, townhouses, houses, guest houses, and roommates throughout California.\n- Lewis Apartment Communities\nDeveloped community that offers apartments for rental in California and Nevada.", "label": "No"}
{"text": "Edwardsville’s food drive is a success\nAnnual event collects more than 3,200 pounds of food and personal care items\nEDWARDSVILLE — Even a pandemic can’t stop Wildey Theatre manager Al Canal and other city of Edwardsville employees from doing their part to help people in need.\nThe City of Edwardsville Employee Food Drive collected 3,290 pounds of food and personal care items, with all items being donated to the Glen-Ed Pantry.\nThis is the fifth year for the food drive, which started on Oct. 1 and continued through Nov. 2. Each city department had its own donation box.\nMany of the items were collected by the Wildey Theatre, where in previous years Canal presented people with a coupon good for a free movie on $2 Tuesdays with a cash donation of $2 or more.\n“This year we had to change gears because we’re not having our $2 Tuesday movies due to COVID,” Canal said. “But we had a couple of popcorn sales to help out the Wildey and we decided to do a popcorn sale to raise money for the food drive.”\nThe popcorn sale was held on Oct. 24 and the Wildey sold almost $900 worth of popcorn at $6 a bag. Including additional donations, $1,211 was raised for the food drive.\n“We also had an anonymous donor who agreed to buy the popping corn, the oil and the bags, so all of the expenses were picked up and 100 percent of the money raised went directly to buy food,” Canal said.\n“Courtney Swarringin, who works in the HR department for the city, was in charge of the food drive this year and she did a great job. Matt Winte from Public Safety, James Hengehold from the Edwardsville Police and Mike Mills of the city IT department were instrumental in getting all of the food picked up and delivered. It was a great collective effort from the city of Edwardsville.”\nWhen buying items for the food drive from money raised through the Wildey, Canal visits several local grocery stores and does comparison shopping for prices.\n“Even if the difference is only 10 or 20 cents, it adds up when you buy 36 items,” Canal said.\nWhile the annual food drive is a labor of love for Canal, it can also be frustrating at times.\n“I’m glad we did this, but every year I look at what we did, and I always say it’s still not enough,” Canal said. “Even though there are a lot of disagreements in this country, one thing everybody can agree on is that no one in this country should be hungry.”\nEven though the city food drive is officially over, Canal said people can drop off food items or personal care items or make cash donations to Glen-Ed Pantry, located at 125 Fifth Ave. in Edwardsville.\nFor more information, call Glen-Ed Pantry at 618-656-7506 or go to https://www.glenedpantry.org/.", "label": "No"}
{"text": "A new episode of our favorite podcast is available now! Rob and Rich released on Wednesday a new episode of Kings of Con: The Podcast, called “Risk and Lively.” Tune in to listen to them talking about Oregon, their alter-ego names, Rob’s drawers, Rob doing European accents, and more.\n“So much stuff here. Rob and Rich discuss their alter egos Risk and Likely, picking through Rob’s garage sale plus a Machete sighting!”\nCheck out the announcement on Twitter:\nKings of Con: The Podcast is available to listen on Apple Podcasts and wherever you listen to podcasts. Be sure to subscribe to be notified each time a new episode is released.", "label": "No"}
{"text": "Minister of Labour and Social Welfare Mr. Nenad Rasic took part in a roundtable discussion on regional program against trafficking of human beings, organized thanks to close cooperation between the Ministry of Labour and Social Welfare and the German Agency for International Cooperation - GIZ, an organization which supports institutions and governmental organizations which focus on the promotion of political, economic, ecological and social.\nMinister Rasic thanked the representatives of this organization for providing support on their side and stressed the fact that Kosova still has challenges where you can act and work and praised the fact that finding solutions and concrete projects will help enormously important step towards sustainable development.\n‘’ I am here to give my support to the realization of any project that will impact the development and improvement of people’s lives, so I congratulate you for the work they are doing today so that this meeting will emerge with concrete solutions,’’ said Minister Rasic.\nGIZ’s representatives have already stated that this organization will start with concrete projects in Kosoba in the development and capacity building, combating poverty, education and training for professional training, rural development projects and human resource management, promoting the administration public,\nconcrete programs to combat trafficking in human beings of many areas where the thought that today Kosovo standoff\nDuring the meeting the leader of this organization, Mr. Wolfgang Jessen, said it was necessary cooperation with relevant ministries for health and social policy in the state, in order to design solutions for the systematization of social policies and strengthening of capacities related to their role in a decentralized system such as supervision , direction, quality insurance, etc.. In this inter-institutional cooperation, to have real effects, Mr. Jessen mentioned the role and involvement of NGOs as provided in this program.\nImplementation of this program is provided in four countries: Kosova, Macedonia, Serbia and Bosnia Herzegovina with duration of five years.\nMinister Rasic assured the participants that immediately after concrete recommendations and conclusions that will emerge from this meeting will start immediately to work effectively in achieving the project by signing the agreement of understanding that will be implemented soon.", "label": "No"}
{"text": "Facebook is going green — well, kind of.\nThe company announced that their new data center in Altoona, Iowa, will be supplied by 100 percent renewable energy when it goes online in 2015.\nFacebook is working with a local company, MidAmerican Energy, to build, own and operate the wind-powered data center.\nThis is all part of the company’s pledge to reach 25 percent renewable energy in the data center mix by 2015. In a recent blog post, they stated:\n“We have a lot of work ahead of us to help connect everyone, understand the world, and build the knowledge economy — and we will continue to seek out solutions that allow us to do so in the most efficient and sustainable ways possible.”\nFacebook isn’t the only player in the green data-center ballpark. Several big tech companies are making strides towards a greener, cleaner future.", "label": "No"}
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The moniker DJ One Star represents a fusion of influences; ethnicities, culture, customs, songs, dances and the language of music.\nA self taught DJ, his acquired music skills speaks to inclusiveness and variety. Though music is a universal language, he prefers to infuse “world music”, various art forms and techniques. He has an impressive music catalog formatted for mainstream media (Television, Radio, Film and Theatre) and independent air/play: (Under-Ground Radio).\nHis mastered and filed music catalog includes the genres of: Old School Hip-Hop/Rap, R&B, Reggae, Mainstream House, Neo-Soul, Latin (Bachata, Salsa, Merengue) and Billboard top 40’s through today. Personal artist influences are from the likes of Jimmy Hendrix, Bob Marley, Led Zeplin, The Cure, Run DMC, Red Hot Chilli Peppers, Mos Def, Buju Banton and Lil’ Wayne.\nResidency Portfolio summary are with profit/non-profit organizations and venues such as: Art Space/Sailboat Bend Artist Lofts, 1310 Gallery, Niki Art Studio, Drag It Out, Oasis Café, Be Organic, BBW, South Florida Artist Association, Mendy House and the Broward Historical Commission Museum.\nDJ Onestar is available for private and corporate events, parties, and residencies.", "label": "No"}
{"text": "We are a leading Manufacturer & Exporter of Designer Skirts such as Tie Dye Skirt, Patch Skirts, Multi Color Patch Skirts, Ladies Skirts, Long Cotton Skirt and Designer Skirt from India.\nItem Code: KG-457\nWe have gained vast expertise in offering Tie- Dye Skirt in a wide range of our clients, which can be obtained from us at market leading prices. These are stitched using an extensive quality material. These are widely worn by women and available in various sizes, colours as per the client's requirements. We offer our ranges of products are appreciated for its features like durability and superior quality.\nItem Code: Assorted\nWe are a prominent firm engaged in manufacturing and exporting a finest quality Patch Skirts. These patches skirts are ideal to be worn in summer season with Kurtis, tops etc. Our ranges of skirts are available in various sizes, models and colours as per the clients’ requirements. These are fabricated using finest quality threads and available at economical prices in the market.\nItem Code: KG-221\nWe are a prominent firm engaged in manufacturing and exporting a wide range of Multi Color Patch Skirts. These skirts are reckoned for their creative designs, unique patterns, excellent craftsmanship and available in a spectrum of colors. The wide range of products manufactured by us is renowned for its reliability and optimum performance. Clients can avail these from us at reasonable prices in the market.", "label": "No"}
{"text": "|Job Ref:||204796895||Employer:||cv-library.co.uk||Job Type:||Contract||Country:||United Kingdom||County/State:||London||City:||London||Address:||Post Code:||WC1A||Post Date:||15/10/2016 03:41|\nJOB TITLE: Enterprise Architect|\nDURATION: 6 - 12 Months contract (option available for further renewals)\nDAILY RATE: Highly competitive (dependent on level of experience)\nCONDITIONS: DV Clearance is required for this vacancy prior to project commencement\nCapita TRACS is currently recruiting for a heavy-hitting and business-focused Enterprise Architect to take a strategic view and play a major role in shaping the client organisation, primarily seeking to ensure cohesion between the business and the technology strategy, producing an integrated set of strategies, policies and architectures which support the business in achieving its goals.\nThis is a very unique and high-level role in that the Enterprise Architect will be defining the project and be responsible for developing and providing capability roadmaps which frame the overall enterprise design ensuring proper orchestration between business lines.\nThe variants on the role are:\n* Line of Business Architect (Principal Architect)\nThe Line of Business Architect owns the end-to-end architecture for a specific business capability providing a single architectural decision making authority within that area. They have primary accountability within that business capability for maintaining a holistic technology and business view, understanding implications of core business problems & driving the Organisation technology response and liaising on business strategy and capability development. The Line of Business Architect will identify required technology changes to achieve business and/or programme objectives.\nThe Line of Business Architect will build and manage trust and relationships with key stakeholders influencing and advising on business consideration and options providing an appropriate level of technical guidance to help steer the business requests.\n* Portfolio Architect (Principal architect/Senior Architect)\nPortfolio Architects support and drive the development of the overall delivery plan. They are responsible for coordinating or doing elaboration and high-level solution development based on the strategic roadmaps generated by the line of Line of Business Architect.\nIn doing this, the Portfolio Architect will prioritise candidates then scope and elaborate solutions to a level that allows them to be executed as part of a delivery work package. The objective is to ensure that solutions are viable when they enter delivery and that key areas of change and wider impacts are understood and have been worked through.\nProject deliverables and responsibilities\n* Triage all business need to best route into projects, programmes or delivery\n* Business problem elaboration, business department roadmap production\n* Work to remove duplicate business capability being developed across the Organisation\n* Strategic target State topic elaboration (produce roadmap to delivery)\n* Pre-Project Market Scan for the Organisation wide Enterprise component\n* Presentations to business lead, Directors/deputy Directors\n* Influence portfolio or project scope to achieve strategic outcomes\n* Identify strategic opportunities or capture technical debt to feed into future years portfolios\nQualification and Experience\n* DV Clearance is required for this vacancy prior to project commencement.\n* Excellent ability to lead the design and integration of complex applications on an enterprise wide basis.\n* Strong experience in dealing with and managing expectation of senior stakeholders.\n* Strong experience of working with external delivery suppliers and contractors.\n* Strong knowledge and experience of using enterprise modelling tools (e.g. Troux).\n* An excellent understanding of project and programme methodologies along with architecture methodologies such as TOGAF or Zachman.\n* Practical experience of development in either Waterfall or Iterative (e.g. SCRUM).\n* Strong experience of owning & designing parts of a portfolio of work that is complex and integrated.\n* Appreciation of infrastructure, application or data architectures and design patterns.\n* Experience developing strategic roadmaps.\n* Experience working with complex end to end solutions made up of multi-vendor enterprise technologies.\n* Experience of systems/solutions processing large datasets or high volumes of data.\nPlease be aware that DV security clearance is required for this vacancy. We would highly recommend that you research this level of clearance before applying to avoid any disappointment.\nDuration: 6 - 12 Months (option available for further renewals)\nDaily Rate: Highly Competitive (dependent on level of experience)\nPlease apply immediately with your most recent copy of your CV, ensuring the start and end dates of past projects / employment are correct.\nCapita TRACS welcomes applications from all suitably qualified people regardless of gender, race, disability, age or sexual orientation.\nCapita TRACS is a trading name of Capita Resourcing Ltd. Services offered are those of an Employment Agency and Employment Business. Applicants will be required to register with us", "label": "No"}
{"text": "April 3, 2018 — Planar and Leyard have announced that two new account managers for their growing North American sales team; Jeffrey Reiss will manage accounts in the South West and John Bailey will manage Northeast accounts.\nReiss will be based out of Phoenix and be responsible for the company’s sales efforts for Nevada and Arizona. He has ten years of sales and account management experience in the ProAV industry, including work for Ford Audio-Video and Audio Video Resource. Jeffrey holds a CTS Certification and specializes in supporting enterprise clients.\nBailey been with Leyard and Planar for five years and is an experienced AV professional with expertise in LED video wall display technology. He has been involved in the design and installation of the company’s most complex and highest-profile LED video wall projects across the USA. Based out of New York City, he will now focus his expertise in the New York and New Jersey metropolitan area to provide additional resources to this growing AV market.", "label": "No"}
{"text": "These composition and cloth boudoir dolls can be habit forming. You're never satisfied owning just one! That is how it all started for me. I thought I'd just have one for my bed. Next thing I know, I had 250!!! Since that time, I've managed to sell 75% of my collection. It's been hard to decide which ones to sell, but I've done it......check out my Ruby Lane Shop to see what I'm selling now.", "label": "No"}
{"text": "Thank You for Visiting Our Booth at the 2024 AHR Expo!\nAn Alliance that Creates Year-Round Comfort and Increased Productivity!\nOn behalf of Reznor and Roberts-Gordon, we’d like to thank you for your interest in our world-class products! Our partnership of industry leaders and innovative thinkers delivers a full-comfort solution that fuels productivity in challenging industrial environments. More productivity means fewer errors, higher retention rates, and happier employees.\nCheck Out the Latest News on What’s Happening in Our Group!\nDownload our AHR 2024 Press Kit to showcase everything thats happening in our group! Included are news releases, product brochures, and images.", "label": "No"}
{"text": "CRM stands for Customer Relationship Management. At its simplest, a CRM system allows businesses to manage business relationships and the data and information associated with them.\nHaving a good integrated Lead Management / Customer relationship management (CRM) system that has been designed specifically for real estate professionals is a necessity. In fact, if you are spending any money on a website or internet marketing and do not have a good lead management system / CRM you are throwing your money away.\nSEO Experts utilizes an industry leading real estate focused CRM for its clients. It includes easy to use contact management, email drip marketing campaigns, time management, transaction management, and document storage features.\nSEO Experts fully integrated solution allows its clients to maximize all leads and close more transactions.", "label": "No"}
{"text": "the Cuban Government announced the transition of Havana from the third of July to the first stage of removing quarantine restrictions imposed earlier to prevent the spread of coronavirus. This was at a daily meeting of the working group on the fight against COVID-19 Prime Minister Manuel Marrero Cruz.\n“the results of the fight against the pandemic in Havana allow us to conclude that we have achieved health indicators that allow us to move to the first phase of the lifting of quarantine restrictions”, – quotes the words of Cruz the official publication of the Communist party of Cuba Granma. The Prime Minister also added that the capital remains the highest risks of infection. In addition, the head of government noted that the working group under the chairmanship of President Miguel Diaz-Canela decided that the remaining provinces of the country except the province of Matanzas, the third in July will get to the second phase of the quarantine exemptions.\nthe Country is gradually returning to normal. The capital resumes public transport, and the second phase will open the commuter. Again earn the restaurants, but subject to certain requirements, for example social distance between the tables. But on the resumption of scheduled international flights is not talking. This will be possible only after the transition to the third phase, the lifting of the quarantine.\nHowever, foreign tourists are already waiting on the Island. Since the first of July open booking to the hotels on private beaches in Cuba: Cayo Santa Maria, Cayo Coco, Cayo Guillermo, Cayo Cruz and Cayo Largo del sur. Tourist complexes already prepared to receive foreign guests in accordance with the new sanitary and epidemiological protocols.\nHowever, you can get there only by Charter, on arrival, will do PCR testing for coronavirus, and to leave the territory of resorts, guests will be prohibited. In fact, as announced by authorities the day of the resumption of international tourism, none of the Charter has not yet arrived at Liberty Island.", "label": "No"}
{"text": "You are Looking at a Brand new Taillight Lens for Poaris Snowmobiles made\nby Kimpex. This taillight replaces Polaris OEM # 5430423 and fits the following\nmodels 2004-2008 340 (All Options), 2004 500 Classic, 2004 500 Edge, 2005-2006\n500 Indy, 2004,2007 500 XC SP, 2004-2006 550 Classic(ALL), 2007 550 Edge LX,\n2008 550 LX, 2004 550 Pro X Fan, 2004 600 XC SP Edge/M-10, 2004 700/800\nClassic, 2004 700/800 XC Edge F/O, 1972-2003 Most Models, 2004 Frontier\nClasssic and 2004-2006 Supersport & Edge .\nShipping is added to the purchase price with the shipping calculator. Please\nfeel free to ask questions prior to buying. My email address is\nemail@example.com . The buyer is to pay actual shipping expenses. I\nwill combine multiple purchases for a reduced price on shipping whenever\npossible. I will email you letting you know that payment was received and\nthe item was shipped.New York State residence will be\ncharged 8.00% sales tax.", "label": "No"}
{"text": "A runescape gold amulet is made by using a gold bar on a furnace with an amulet mould in the inventory. It requires a crafting level of 8, and gives 30 experience, making an unstrung gold amulet. The amulet must then be strung before wearing by using either a ball of wool or the String Jewellery spell. Stringing provides 4 crafting experience, and costs 182 coins if you buy the balls of wool.\nThere is currently a glitch where the gold amulet, when worn, appears green rather than gold, similar to the amulet of power glitch. This also happens with a gold amulet(unstrung).\nA plain rs gold amulet cannot be enchanted; only jewellery with gems can be enchanted. Gems cannot be added to a gold amulet, because they must be added during the crafting process.", "label": "No"}
{"text": "The Sports Xchange\nReport: Patriots acquire NT Sopoaga from Patriots\nNose tackle Isaac Sopoaga was traded to the New England Patriots from the Philadelphia Eagles on Tuesday, according to reports.\nSopoaga was paid a $2.75 million signing bonus when he joined the Eagles as a free agent in the offseason. Sopoaga was a starter for the San Francisco 49ers in 2012.", "label": "No"}
{"text": "View all Middle Eastern Restaurant businesses for sale in California, CA. The business opportunities listed below in Middle Eastern Restaurant have information regarding individual businesses for sale (just click on the link to get more information about that particular business for sale). If you would like to add a Middle Eastern Restaurant business for sale or wanted to buy on these pages go to: place a new business for sale or wanted to buy ad/posting on BizBen or phone BizBen Customer Support at 888-212-4747. Thank you.\n|Fast Track Postings - Motivated Sellers And Buyers|\n|Helpful Resources To Assist In Selling And Buying California Businesses|\n|Steve Zimmerman: Restaurant Broker Specialist\nSteve founded Restaurant Realty in 1996. He has personally sold/leased over 900 restaurants, bars & clubs, & completed over 3000 valuations. The author of \"Restaurant Dealmaker - An Insider's Trade Secrets For Buying a Restaurant, Bar or Club\" available on Amazon. Reach Steve direct at 415-945-9701.\n|Cheryl Maloney: Restaurant Broker Specialist - San Francisco\nCheryl is a business owner herself, Over 20 years bar/restaurant experience, and a law degree she's well-versed in real estate rules, regulations and best practices. She works tirelessly to create successful strategies and effective negotiations for those wishing to sell or purchase their business.\n|Peter Siegel, MBA - SBA Loans, Non SBA Financing Assistance\nFor over 25 years I have provided niche business purchase financial advisory and loan placement services with SBA and Non-SBA Loans, Retirement Plan Conversions, Private Investors, etc. Financing amounts available: $20K to $7MM. Call today to get pre-qualified or receive financing: 866-270-6278.\n|Bob Hughes: Business Broker, Palm Springs Area\nBob Hughes is a business broker & is President of Hughes Properties. Hughes has a wide variety of entrepreneurial experience with the personal ownership & sale of numerous businesses, and has sold over 200 small & mid-sized businesses in the Riverside County marketplace. Call Bob at 760-323-8311.\n|Joe Ranieri, Business Broker, Orange & LA County Areas\nHaving owned retail/restaurant businesses for over 20 years, my interest turned to listing and selling businesses rather than owning them. I specialize tend to specialize in Orange County high volume restaurants, fast food independents and chains, bars and liquor stores. Call 714-292-5448.\n|AJ Rana - Business Broker, San Francisco Bay Area\nProfessionals who understand the importance of world class business brokerage service and the value it can create. Specializing in assisting sellers and buyers with retail stores, restaurants, hospitality & lodging, manufacturing operations, distribution companies, e-commerce and service businesses.\n|William Park, Business Broker - Southern California\nHighest Volume Broker in California, Simply Check our HUNDREDS of Listings! Over 25 Associates, Speaking Dozen Languages, Helping Buyers and Sellers of Small Business since 1982, Centrally Located between Los Angeles and Orange Counties, while Riverside & San Bernardino Counties are Very Accessible.\n|Jeff Sacher, Business Broker - North Bay Restaurant, Retail Specialist\nJeff is a leader in business brokering in the North Bay. Since joining Santa Rosa Business And Commercial in 1999 he has assisted Buyers and Sellers in over 200 business sales and acquisitions. Jeff provides other services for his clients as well. Reach Jeff and his team at 707-888-4972.\n|Related Articles, Events, Blog Posts, Discussions, Videos, Interviews|\n|Selling Buying Used Restaurant Equipment-Tips For Restaurant Buyers, Sellers\nThe restaurant business is a tough business to be in, no one can dispute that, and so it's imperative that an owner's equipment is in good working condition. A new owner should make sure that the restaurant's equipment is in good working order before they close escrow. Joe Ranieri gives his tips.\n|Buying A Restaurant With Financing: 5 Options For Restaurant Business Buyers\nIn this Discussion, Peter Siegel MBA (Business Purchase Financing Advisor at 866-270-6278) discusses financing of purchasing a small to mid-sized restaurant business (with or without real estate). When it comes to financing a restaurant, potential restaurant buyers have many options to choose from.\n|Is Your First Offer Received Usually The Best Offer When Selling A Business?\nShould you accept that first offer when selling a business? Brokers and agents agree that the first 30 days are probably the most critical when selling a small business - but should you take that first offer? Joe Ranieri (Orange and LA County Business Broker) starts this great Discussion on BizBen.\n|E-2 Visas: Buying & Selling California Businesses: Answers To Your Questions\nHasan Abdullah Esq. a E-2 Visa & Immigration Attorney here in California addresses some of the more commonly asked questions regarding this topic about buying and selling small businesses with E-2's on BizBen Blogs and Podcasts - E-2 Visa information & strategies for business buyers and sellers.\n|What Are Some Tips In Ensuring A Smooth Transition When Buying A Business?\nChanging hands of ownership can seem both exciting & daunting to all parties involved, but it's important that a smooth transition occurs to maintain or achieve success of the business. Joe Ranieri (Orange And LA County Business Broker - Restaurant Specialist) shares some tips with business buyers.\n|What Are Some Possible Reasons Why My Broker Didn't Sell My Small Business?\nWhat are some reasons a business that was previously on the market with another broker didn't sell? Every broker or agent understands that not every business they list will result in a sale. Joe Ranieri (Orange County Business Broker) and others explain why some brokers fail at selling a listing.\n|Buying A Restaurant Can Be Challenging: 3 Key Tips For Restaurant Buyers\nPeople always need to eat; there should be plenty of business. Some buyers think there is prestige to owning a popular eating establishment. But it isn't an easy purchase. Peter Siegel, MBA (Business Purchase Financing Expert, ProBuy & ProSell Program at 866-270-6278) reviews this topic.\n|Qualities You Should Look For In A Escrow, Bulk Sale Service When Selling\nWhat qualities should you look for in a escrow and bulk sale service when buying/selling a business? Orange County Business Broker Joe Ranieri at 714-292-5448 addresses these issues in a Discussion on BizBen. See what qualities matter when selecting a Escrow/Bulk Sales firm when buying or selling.\n|See All News, Tips And Events|", "label": "No"}
{"text": "Conversational AI in banking is trending. Banks can bridge the gap between convenience and personalized customer service with conversational AI. In this blog, we will highlight the role of conversational AI in different stages of banking.\nAI chatbots automatically engage with potential leads, people who have sent email queries or visited the company website. The chatbot will promote services, refer to a sales representative, answer queries, etc. Ultimately, it can effectively carry conversations with customers and boost conversation rates.\nUsually, bank representatives have to find potential leads, but the process is time-consuming and expensive. Therefore, banks can incorporate conversational AI in their banking and make things easier.\nOnce a bank attracts potential consumers, they need to introduce its products and services. Therefore, modern chatbots can assist them with a more personalised service and product recommendations in line with the consumer’s interest.\nChatbots can convert a potential lead into sales as they sensorize the digital properties where all the buying information is listed. Furthermore, a conversational AI is trained to read the purchasing habits of potential buying consumers. They use historical observations and continuous learning to identify good leads.\nAfter converting a potential lead as their customer, banks will want to take things to the next level. A conversational AI can update the mailing lists of the customers, recommend new products, etc.\nTwixor offers banks the to automate and streamline customer interactions and attract new customers more effectively through its advanced technology. The platform is compatible with various channels such as WhatsApp, Telegram, etc.", "label": "No"}
{"text": "My viewed hotels\nPiazza Stazione 2, 56125 Pisa (Show map)\n“Not much but the piazza was nice and the airport is very near, 15 min. walk...“\nPlaces of interest\nCustomers who viewed NH Cavalieri also viewed:\nYou can get these deals for free by subscribing to our newsletters. You can even choose your favourite destinations to receive personalised deals.\nGet started now by entering your email address. We'll instantly send you a link to our Deal Finder!", "label": "No"}
{"text": "In August, the government’s deputy chief technology officer Magnus Falk wrote about the Government Digital Service’s (GDS) plans to accelerate the creation of the Common Technology Services (CTS) organisation. The GDS is now looking for a director to lead the CTS, with applications closing on 6th October 2015.\nAccording to the job description, which has been posted on GOV.UK, the new CTS director will finish the mobilisation of the organisation and then run it.\nThe candidate will also be expected to develop the organisation “from its infancy to maturity”.\nReporting to the government chief technology officer, Liam Maxwell, they will be part of the Government’s Technology Leaders Network.\nWhat does the role involve?\nAccording to the job description, the role includes the following responsibilities:\n“Create the organisation that can engage with all government departments to identify the most important and influential areas.\n“Deliver Common Technology products and services that meet the needs of Central Government’s staff and technology functions, making them more effective and able to operate in a cross government way.\n“Engage with departments to deliver the business case savings with suitable evidence.\n•Ensure that contracts, as they approach expiry, are critically examined to identify common technology options and enable their remediation and replacement of suitable services with effective common technology service components.\n“Engage with senior government technology leaders to ensure that the CTS organisation’s strategy takes account of their challenges.\n“Define the strategic direction and business priorities for the development of the common technology.\n“Embed the delivery of a sustainable, high quality common technology capability across government with a complementary commercial strategy.\n“Bring and foster a deep knowledge of the technology landscape and marketplace to the department, and ensure that it makes effective use of modern standards and solutions.\n“Ensure that the common technology strategy enables a dynamic market of service provision and avoids any form of lock-in or long term dependence on single or consortia of suppliers.\n“Advocate and effectively explain the need for common technology to board-level senior officials, Ministers and external stakeholders.”\nFor further information, such as the requirements needed to apply for the position, click here.\nParents say schools should invest in technology as they want to receive instant notifications of important information\nEvents like the recent Paralympics are a great reminder of the importance of accessibility and ensuring equal and open access for all. ... read more\nPublic sector needs to take action to help everyone enjoy the benefits that digital can offer", "label": "No"}
{"text": "Oak floors are popular because of their durability and classic feel. Engineered oak takes the quality to another level\nUK (PRWEB UK) 12 February 2013\nThe Heritage Collection have been offering engineered wood products to UK consumers for many years. Their range of stair parts, doors and floors makes them a leading supplier and they deliver direct across the country.\nEach year this retailer offers a sale on their most popular range - engineered oak flooring. Despite this type of wood flooring being more expensive than laminate flooring, which has seen a huge rise in sales in the last decade, engineered floors continue to be the choice for those wanting a durable result.\nBrett Mordey, managing director at The Heritage Collection, says that people will always pay a little bit more to get the huge advantage over the laminate alternative: \"There is a certainly a market for the cheaper laminate panels, but our engineered oak flooring will never cease to be the preferred choice for those who need or want quality wood flooring\".\nHe went on to add: \"Engineered oak floors will not only last twice as long as the laminate alternative, but they look, feel and even smell a hundred times better. There is no better feeling than having quality, newly engineered oak floors installed into your home. That's why we offer an annual sale. We benefit from the fact that we sell so much of the prime grade engineered wood panels, we can discount the price for our customers\".\nThe Heritage Collection of engineered oak flooring comes in 14mm or 18mm thickness, and is available as locking or tongue and groove; both offering easy installation. For more information contact The Heritage Collection today on 0114 247 2534.", "label": "No"}
{"text": "our blockchain offerings\nAlso, we are much into the hiring resources that are capable enough to deal with the blockchain projects uniquely. With our Block chain development services , you can get a lot of engaging features in your applications based on your requirements including the following:.\nWe help you design Block chains that facilitate profitable communication pathways for brands and their consumers with their smart and connecting features. If you are looking for Block chain development company in India, your search ends here because we are your most reliable and creative option in the market.\nWith a highly experienced and professional team, we promise to provide you with unmatched quality of services at the most affordable costs in the market. Whether you need project-based services or you need some full-time assistance, we make sure to get you expert services at the best prices based on your requirements.\nYou can hire us on hourly-basis, part-time or full-time and at totally competitive and affordable rates. Classfeed is intended for organized and bifurcated notes category wise so that students can buy the particular notes easily from the sellers. Here the buyers are supposed to buy the notes in terms of downloading them. Very Grateful for such a wonderful efforts and support for the solutions of website. We are glad to have such a great team. Great team and they provide us with the best solution whenever we call them.\nI am fully satisfied with their work and will strongly recommend all to go with them. Nevina infotech is what makes the outcome exactly as desired.\nI collaborated with Nevina infotech for a project concerning application on iOS and android operating systems. They have impeccable attention to their requirements, and we like the delivered LearnHow - App for Student and Teacher. I found a great team, and now I know where to approach when it comes to Mobile Apps.\nNot because it's trending but it is what in need and indeed for growing talent. It's about reaching the clientele that you never met or never think about. It's about double the business. It is what your customers are waiting for and giving a brand image, leveling up the venture, creating a provision that was never imagined; let schedule a quick meet up, maybe you'd adore it! Their team goes all-out to guarantee the best results and easily adapt to change requests, treating the project as if it were their own.\nHere are the answers to some of the most frequently asked questions to us which will help you understand our working methodology better. Give us a call now and get a highly engaging and creative blockchain app that can be used for various branding and marketing purposes. If someone asks me what is the latest thing in the app development world, I would say that it is the rush of Progressi.\nSince its inception, Java has always featured amongst the list of popular programming languages. Java stands out from other programming languages in terms of its security and funct. Magento is the second most popular e-commerce platform in the world in terms of global market shares but when we talk. Work with a leading Block chain development company in India Get an interactive and innovative Block chain application developed for yourselves with our tech-savvy team of experts.\nGet Quote View portfolio. Here is the most innovative use of Blockchain in different industries. Other messaging Apps are going to use Blockchain Technology for different use cases as well. Entertainment promoter are turning towards Blockchain to make content sharing more candid for makers for using smart contracts. If employment and criminal records, were put away in a Blockchain records, HR professionals could streamline the verifying procedure of employees and move hiring processes more easily.\nPotential uses for Blockchain in libraries include helping libraries extend their administration by building an enhanced metadata chronicle, building up a convention for supporting network-based accumulations, and facilitating progressively viable administration of digital rights. What is blockchain?\nWhy you need Blockchain in your Business? Human Resources If employment and criminal records, were put away in a Blockchain records, HR professionals could streamline the verifying procedure of employees and move hiring processes more easily. Libraries Potential uses for Blockchain in libraries include helping libraries extend their administration by building an enhanced metadata chronicle, building up a convention for supporting network-based accumulations, and facilitating progressively viable administration of digital rights.\nOur blockchain services. Our developers follow an agile development approach and proven methodologies combined with industry best practices to deliver quality solutions faster and well within your budget.\nWe select the best resource matching your requirement. You can interview the team selected prior to hiring for optimum satisfaction. The Blockchain developers you select work under your guidance as per your project requirement. Blockchain is one of the most widely used technologies of today. It has transformed supply chain management, IT and finance industries like none other and is expected to influence other industries as well.\nAs per reports the Blockchain apps will experience 2X growth in the years to come. This is one the main reasons why organizations are opting for Blockchain development for getting the desired edge. No matter what the nature of business is, it is imperative that you build a remarkable business presence online. And if that means Thinking of revamping your existing website or developing a mobile application to expand your business reach?\nIf so, you must look Every year millions of new start-ups emerge but only a handful of them are able to survive in the market because of the huge Blockchain Development Services Embrace the futuristic Blockchain technology and acquire new opportunities for your brand with tailor-made Blockchain development services from TechnoScore. NET Experts.\nGuaranteed Response within One Business Day! Reliable Blockchain App Development Company In India Over the past decade, Blockchain Technology has emerged as a great enabler for businesses that want to make their operations more decentralized and secure. Contact us Now. DApps Development Augmenting decentralization of organizations is the specialty of Blockchain and our experts have a knack for leveraging this feature to create enterprise-class decentralization applications for our clients.\nSupply Chain Development We specialize in creating both web as well as mobile apps for the supply chain industry. Smart Contracts Over the years, we have gained expertise in developing and deploying smart contracts for public and private Blockchain networks. Decentralized Exchange To facilitate the real-time exchange of information and digital currency, our Blockchain development team can create highly secure applications for all sorts of mobile and web platforms.\nWallet Development Developing wallet apps for safe and secure storage of digital assets such as currencies, card details and business-critical information is our forte. Blockchain Platforms We Work On. Why Choose Us Our industry knowledge and leadership position apart, we offer a host of unique benefits that make us your ideal partner for outsourcing Blockchain development services. We enable you to hire the most suitable talent from our in-house team.\nOnce you hire a Blockchain developer, the resource works exclusively for you as your own employee from our facility. You can also alter the size of your remote team by giving short notice. This exclusive working relationship and scalability allow you to get customized solutions at the most cost-effective price. Opportunity to work with an industry leader Instant access to a large talent pool of Blockchain developers Ability to pick and choose the most suitable skill sets Dedicated developers working exclusively for you Real-time collaboration with your remote team Highly flexible and scalable hiring model Tailor-made applications delivered within a quick turnaround time.\nOur Blockchain Development Expertise Hire Blockchain developers who are adept at delivering cutting-edge apps for clients spanning diverse industry verticals.\nWe follow an agile development approach and industry best practices to make sure that the apps we deliver are of high quality. What are the benefits of Blockchain development? There are numerous benefits of Blockchain development that you can leverage by partnering with a trusted application development company : Greater levels of transparency in transaction history Unmatched Security Enhanced trading efficiency and speed Reduced transaction costs Enhanced tracking of product in the supply chain.\nWhat is Blockchain Technology? This is why, we make sure that we are able to provide end-to-end services in every field development we work for. I have known and app with Aalpha and its blockchain for nearly a decade. Crypto Token Development. Services a Project india Discuss?\nHire Blockchain Developers in India\nIntegrated Blockchain Services. Crypto Asset Exchange Development. Smart Contracts Development. Crypto Token Development. Hyperledger Development. Smart Contract Audit. Crypto Currency Wallet. ICO Platform. Private Blockchain. Ethereum Development. Leveraging state of the art technologies and best industry practices, our resources help you stay ahead of traditional ways of running businesses.\nHire enterprise blockchain developers from DxMinds Innovation Labs to experience in reality what the best usage of blockchain technology can have on your business. Our experts help you revamp your enterprise modules by making the best use of blockchain technology. The services delivered by our resources add more value to your business frameworks.\nSmart contracts are taking over conventional practices and processes. Organizations and individuals are making the most out of smart contracts. Being the best blockchain development company, we help you hire the best smart contract developers, who keenly focus on delivering crisp solutions. When it comes to hiring blockchain consultants, DxMinds come up with the best resources available in the market. Our resource pool comprises of well-versed blockchain experts who can eliminate all the hassles off from your business frameworks.\nAlso, they help you streamline the entire business landscapes. Following the pathways of Bitcoin, more and more cryptocurrencies are getting introduced to the market over time. Ethereum, Pi Network, Ripple, etc are some examples.\nLeveraging the services of our profound cryptocurrency developers, you can avail world-class level cryptocurrency developed at your doorsteps. Along with the cryptocurrencies, the development of virtual wallets that can hold cryptos is taking over. Hire cryptocurrency wallet developers in India from the house of DxMinds and have your wallet developed in the most productive manner. Own your own cryptocurrency exchange by hiring full-fledged blockchain developers from our end.\nWe uninterruptedly supply you with the right amount of resources that are capable of enhancing your cryptocurrency exchange development. Based on individual requirements, we help you develop high-end private blockchain by helping you hire private blockchain developers.\nThese developers are the best when comes to meeting your end to end requirement precisely. They can customize the development process so that it fits the best for you, add extra integrations on top of the existing ones, etc. One of the major factors, why enterprises are looking for hiring Blockchain developers from India, is because they find Indian developers highly resourceful. They are highly resourceful that they have seamless access and mastery over all trending technologies and topics.\nThis can enhance the development process and can bring more value to the table. The capability of Indian developers in performing multi-functions is profound. This points out to rapid product delivery and can enhance the development process. Hire budget-friendly blockchain developers from India, so that you can save an extra penny. Indian developers are highly economical when compared to the developers of any other country.\nThis is because of flexible government rules, less cost of living, easily available resources, etc. Round the clock availability of resources in India has helped potential companies in hiring Indian Blockchain developers. They are highly reliable and employ round the clock to ensure successful project delivery. Hire DxMinds blockchain experts to accelerate your retail business growth. Their services guarantee you with precise blockchain products and solutions that enhance your retail business verticals.\nIt enhances your journey towards success and offers rapid scaling opportunities. The best blockchain services our resources put forward is not only helping the businesses dominated in the agriculture industry but also allowing farmers to enhance their way of living.\nHire dedicated Blockchain experts from DxMinds to streamline wholesome of agriculture trends. By hiring certified blockchain developers we supply you with, you can level shift your business resides in the banking and insurance industry. Our resources come with well-versed knowledge and are highly skilled. The cater to you with the most appropriate solutions that add more transparency to your business frameworks.\nBlockchain technology is eliminating all the hassles and bustles off from the entertainment industry leveraging smart contracts and all. The revolution of blockchain is the reason why developing countries have the hope of turning the fate and becoming the leading economies. India, in particular, has taken advantage of blockchain technology recently.\nAlso it is worth noting, that blockchain technology is becoming a widely used mechanism in scamming and security laws violation. Thus, the list could also be helpful as a security measure with reputable blockchain companies in India. Established in as a product development company, Somish has managed to create a powerful brand name in automation mechanisms. Somish has got an impressive portfolio. GovBlocks blockchain protocol is an Ethereum based project designed for decentralized governance.\nOther standout blockchain projects under the company belt include:. The company was founded in and since the establishment of blockchain, has managed to recruit top-talent to develop blockchain products.\nOther services besides blockchain include:. LeewayHertz is an Indian blockchain development company established in and now based in the US. The company is among the leading brands in delivering an end-to-end solution in developing blockchain application at enterprise-level.\nLeewayHertz has managed to deliver applications confirming their skills in mobile strategy, manufacturing, design. They present a great understanding in developing immaculate solution related to mobile platforms including:.\nOur blockchain services\nHashCash Consultants provided blockchain app development services to a financial services company. The platform featured bitcoin invoicing, a merchant account management interface, a ticketing system, and more functionalities. The team worked quickly and efficiently, developing an impressive solution.\nBased on your budget, timeline, and specifications we can help you build a shortlist of companies that perfectly matches your project needs. Schedule a free consultation with a Manifest Analyst. Antier Solutions was founded in They are a software developer based in Punjab, India.\nTheir team of employees specialize in blockchain, mobile app, and web development for primarily midmarket businesses in the advertising, business services, and customer products industries. Antier Solutions made a crime reporting app for a public safety startup.\nThey built apps for iOS and Android and linked them to an extant backend database. They finished the apps far ahead of schedule and the client is impressed with the quality of the work. Debut Infotech has an ongoing partnership with a leading bank to streamline processes and help the internal team track sales.\nIonixx Technologies worked with a refugee staffing platform to develop an app that would allow refugees to work from their smartphones. Ionixx recommended changes based on existing mock-ups so as to improve the UI, and made sure both the user and admin sides were smooth and intuitive to manipulate.\nTalentica Software is a software development company that helps startups build technology products. Over the last 17 years, based in Pune, India, the company provides custom software development, AI, and blockchain solutions for startups and small to midmarket businesses.\nTalentica Software assisted in the development of a SaaS system for an email service company. Talentica Software handled the updates for said system. Updates included new features and functionalities for the system's users. The system plays a vital role in the company's activities. As our development team, they tackle large and small projects with enthusiasm. OnGraph Technologies is a global software development company that specializes in blockchain, web development, and custom software development.\nFounded in , The company is headquartered in Hicksville, N. OnGraph Technologies works with enterprises, middle-market companies, and small businesses across the information technology, business services, and financial services industries. OnGraph Technologies based design work on provided wireframes as they created a new website for a client's online music platform.\nThe team managed the development and design aspects and oversaw the addition of music-playing capabilities. The website performs seamlessly and has received positive feedback from users. In less than a year, Robosoft created four complex transactional apps for a managed service provider MSP and virtual memory system VMS solutions provider, including voice-based assistance.\nThe client appreciated that Robosoft Technologies tackled a challenging project and showed professionalism throughout. They never flinched when I was hard on them, and it really seemed that they were a part of our team. They were founded in and have an extensive team of over 50 employees. Minddeft Technologies helped a venture incubator and consulting company develop an innovation system along with a Java Liferay stack.\nThey were involved with the architecture, primary implementation of the system, scrum management, and assurance testing. Thanks to their help, the client has enterprise technologies that will scale to millions of users. The client was satisfied with their expertise and level of engagement throughout the project.\nMinddeft Technologies has been one of the survivors, coming through over and over, successfully completing difficult project. Yudiz Solutions is a mobile app development company founded in Overall, the client was impressed with their work. We haven't had any bugs. Established in , they have 77 employees, and mostly provide large-scale firms with customized enterprise software for digital transformation.\nTheir services include CRM consulting and software integration, custom software development, web development, e-commerce development, and more. Quest Global Technologies developed a web portal for an Indian financial management firm.\nThe client wanted a cloud-based platform that could automate some of their analytics, as well as generate performance and earnings reports.\nQuest Global delivered the site quicker than the client expected, and exceeded their projected functionality. The majority of the client's operations now occur online through Quest's web portal; they reported being impressed by the honesty and professionalism of the Quest GLT team.\nThey never let us down in terms of understanding requirements, meetings, deadlines, or quality. Partnering with a major hotel group based in Hong Kong, Hyperlink InfoSystem created a series of web and mobile solutions to increase productivity and efficiency of the hotel staff.\nWith a mastery of frontend to backend development, they presented a cost-effective and successful solution well before the deadline. They were always prompt in their response to our queries and gave us good suggestions and solutions throughout the development phase.\nFounded in , SoluLabs is a mobile app and custom development firm based in Ahmedabad, India. A social fitness startup hired SoluLabs to develop a mobile app from scratch. The product used geofencing to connect people to fitness venues in different locations and was recognized by Inc.\nAfter their release, the Android and iOS apps enabled the startup to gain more recognition and funding. The client credits SoluLabs' efficient work with being able to grow the company.\nIf we needed quick changes to be made, SoluLab set up meetings and kept clear lines of communication to understand and diagnose our ongoing issue. I emailed and called the team at random times, and someone was always available. Indra Crypto Capital is a software agency founded in Chennai, India in With more than 10 experts, they specialize in blockchain, web development, and mobile app development services for small businesses in the industries of advertising, financial services, and IT solutions.\nIndra Crypto Capital developed an ad platform for a podcast. Yudiz offers a smooth implementation of blockchain technology with enhanced encryption features in business organizations.\nWe believe in facilitating anonymous transactions with custom development modules for contracts, personal info, health records, enterprise data and much more. We unlock the potential of blockchain with smart contracts blockchain development since they cannot be altered and applicable to various industries. Our blockchain developers offer comprehensive Ethereum applications with secure code design and reliable exchange of coins.\nWe leverage our expertise in Hyperledger development to utilize its features for several Blockchain applications. Our Corda Blockchain developer design applications by assessing their technical needs for business use cases that require a Corda platform and create a point-to-point architecture.\nOur Blockchain development services include wallet development that ensures proper safety and security of your cryptocurrency coins with a wide number of functionalities too. We deliver timely private network blockchain projects that provide a free financial system for private networks with blockchain technology in its ideal form.\nOur team of talented blockchain developers is open to discuss the industry use case and put through the best in class suggestions to implement the information records on the relevant blockchain platform. Blockchain technology allows various sectors of financial, healthcare, government, and others to store the information in immutable form with greater security, transparency, and enhanced traceability. The cost of the blockchain app development is determined by the project requirements, server cost, feature integration, and maintenance services.\nOur professional consultants shall provide the estimated budget for developing a blockchain network related to your business activity. The estimated timeline to develop a blockchain app depends on the business model and services involved. It also depends on the type of blockchain development platforms for the application's requirement. We have successfully completed and delivered various blockchain applications for Healthcare, International Remittance, Sports, Banking to name a few. As the Blockchain name suggests; individual records, called blocks, are linked together in a single list, called a chain.\nIn the current decentralized world of things, Blockchain is the technology that enables businesses across the world to do the transaction of things without borders.\nStartups and enterprises are using Blockchain Technology in their product to bring more transparency across the digital information ecosystem. Here is the most innovative use of Blockchain in different industries. Other messaging Apps are going to use Blockchain Technology for different use cases as well.\nEntertainment promoter are turning towards Blockchain to make content sharing more candid for makers for using smart contracts. If employment and criminal records, were put away in a Blockchain records, HR professionals could streamline the verifying procedure of employees and move hiring processes more easily.\nPotential uses for Blockchain in libraries include helping libraries extend their administration by building an enhanced metadata chronicle, building up a convention for supporting network-based accumulations, and facilitating progressively viable administration of digital rights.\nWhat is blockchain? Why you need Blockchain in your Business?\nWe offer development to end blockchain services right from ideation to research, development, and deployment. With our apps, you can have multiple india of engaging with your customers and services the branding of your company. This has blockchain to a phase II being discussed with the customer services we app well down the road on this. The expertise of their team of 7 lies in blockchain, eCommerce development, and mobile app development. Sphinx Solutions has got an impressive development of its works and these case studies blockchain available for download from the website. App is one of the most india used technologies of today.\nHow to Become A Blockchain Developer - Blockchain Developer Training -Blockchain Career -Simplilearn\nIoT Services Integrate your business platform with hardware and software-based holistic IOT solutions to cater to all your localization, integration and interaction needs, blockchain app development services india. India to their help, the client has development technologies that will scale to millions of users. Can I see my Blockchain website while it's in progress? They app on developing end-to-end blockchain solutions that enable businesses to improve the user experience. SunTec was highly recommended by the client blockchain any IT development project, and appreciated for the final product development, and for understanding the client's needs clearly.", "label": "No"}
{"text": "There are many means of transport from the airport and to the airport. This is in reason that the activities that happens in the air terminal are numerous. Numerous people travel via the plane terminal in this way having the necessity for a transportation service to the air terminal before getting onto your flight and getting off a flight. Finding out a reliable airport transportation service is no longer difficult. Additionally, it is extremely reasonable. It furthermore is amazingly manageable. There are many organizations that offer transportation services to the airplane terminal customers. These companies provide one with pick up and drop services and exclusive tours within the city. They are in operation nonstop thus astoundingly dependable at whatever point you are at the plane terminal. There are a couple of factors you should consider before making any air terminal transportation decision.The following are things to consider in choosing a reliable airport transportation service.\nYou ought to have the knowledge that there are diverse modes of airport transportation that you can pick. They are such as organization shuttle, taxis, limos and open transports. Take into consideration choosing an alternative that best suits you and is comfy. On the off chance that you fancy privacy you can ask a relative to either drop you or pick you at the airplane terminal. Something else to consider is the accessibility and the cost of the airplane terminal transportation method. It is good to check for methods that give huge price cut.\nCompare different options of the airport transportation and select one that is very convenient and you can afford.This is in reason that there are several means of airport transportation that operate only for particular hours. This can cause you a lot of inconveniences if you are traveling late at night. Considering a method of airport transportation that is easy to get is significant.Security is something else to take into consideration. It ought to be your first need in the determination of an air terminal transportation service.Pick insured, bonded and licensed transportation services.This would ensure that you are choosing a professional service.\nTown cars are not exclusively for transportation from and to the airplane terminus but also appropriate mode of transport during special events. They can be used for occasions such as birthday parties, wedding, proms, and many other occassions. You get a luxurious experience when you use or hire town car services. Consider sharing the price with the group members if you are making arrangements for a group event. In this way, you will save more. You can look for a reputable company to employ on the web and through referrals by friends and relatives.", "label": "No"}
{"text": "Check out our a huge range of built ready new trains and accessories for the more fully grown train collectors as well for first time purchasers.When scale is determined, the next step is to choose a quality, intermediate level locomotive. Buying the locomotive is a big decision that will certainly have a ripple effect. Do not cut corners, and if splurging is a choice, this is the time to do it. Low-cost locomotives are more trouble than they're worth and will considerably extend the knowing curve. As for complexity, many newbies will quickly outgrow a novice level locomotive and regret not having actually purchased the advanced intermediate model. Initial parts and packaging are a big factor in value, and it's important for the collector to know that for buying and in prep work of ultimately trading and offering model trains. Locomotives and railroad automobiles without their original box and printed products can lose as much as 50 percent of their mint value. Among the most common mistakes that brand-new enthusiasts make is that they dispose of boxes, direction sheets, cardboard liners, spacers, and seemingly irrelevant accessories, but all of these items have value. Collecting, keeping, and keeping the product packaging and relevant materials is almost as essential as doing this for the real trains.\nTechnological developments and competitors are factors why costs of merchandise are going down every passing day, which leads us towards the realization that it is often a great time to purchase new products. There are some vendors who sell a product at full price but bundle in free add-ons, while there are others who put an instant rebate or discount on all purchases. It is recommended that you buy from vendors that do not follow the minimum advertised price (MAP). New, Woodland, Structure, Built, Ready, Building, mDescription, eBayBuy, Now", "label": "No"}
{"text": "Wayne Stetski is a life-long environmentalist and a social justice and electoral reform advocate dedicated to helping build a more fair and inclusive Canada with a healthy environment through legislation and policy change.\nAS MEMBER OF PARLIAMENT (2015-2019)\nHelping Constituents: \"Coming up with ways to serve my constituents is what I do!\"\nSolving problems for constituents and building a better Canada through legislation and policy changes at the Federal level.\nAdvocated for and won Canada Revenue Agency regulations to be changed so that victims of domestic violence no longer had to get a verifying signature from their ex-abusive partner in order to obtain Child Benefits.\nAdvocated for and won Service Canada to change its regulations re: Old Age Security (OAS) from paying a couple, who is separated by necessity (ie: one needs to be in a care home), the lower benefits of the couple paying, the expenses of a single household (couples benefit limit), rather than providing benefits based on the expenses of two separate households (singles benefit limit).\nAdvocated for and won a request to change the legal age of children adopted out of the country to correctly reflect their true age, as identified by dental records.\nAssisted individuals in navigating the complexities of federal agencies.\nAssisted and advocated for individuals and groups in the resolution of problems with immigration, family reunification, federal tax, pensions, benefits, employment insurance, etc.\nResponded to constituents by letter, email, or phone to address their issues and concerns (both local and federal).\nAdvocated for businesses having trouble getting needed foreign workers hired.\nHelped many constituents who had been denied to get monies legitimately owed to them by Service Canada and OAS.\nSecured a grant for the Key City Theatre, Cranbrook for renovations and to improve access.\nSecured emergency passports to leave, and to return to Canada.\nProvided assistance securing the immigration of eligible persons, helping to reunite families.\nBuilt good working relationships with various government ministers and who could help solve problems for people.\nHeld small business forums --all government levels were invited and received reports outlining what they can do to improve practices.\nHeld “Pop-up offices” for in-person meetings with constituents throughout the riding.\nWrote letters to Federal Cabinet Ministers:\n- to advocate for changes to government practice and policies impacting\nconstituents and/or the riding as a whole.\n- to provide feedback (re: riding) to the government on issues of importance.\nAttended community events when in the riding, or wrote ‘a few words’ for addressing the public on issues relevant to the event when not available because of Parliamentary sessions.\nWhen in the riding, maximized contact with constituents, interest groups, and local governments.\nPlanned public meetings to inform on major federal issues affecting constituents and the riding (renegotiating NAFTA etc).\nHosted meetings with local interest groups to answer questions and gather information and ideas on issues of importance to the local community (e.g. affordable housing, communications infrastructure, agriculture).\nHosted meetings with Constituent groups to explain legislative changes and answer questions regarding legalization of", "label": "No"}
{"text": "Renault Australia has confirmed initial details and pricing for the all-new, 2018 Megane R.S. 280, locking in the availability of the hardcore Cup chassis package.\nThe new Megane R.S., in 280 form at least, is scheduled to arrive in Australia during the third quarter of this year. And before it even arrives, the local arm is confirming buyers will be able to option the Cup Chassis Pack on the base model 280. The decision to provide such an option was driven by media, customer and dealer feedback.\nAs standard the Megane R.S. 280 uses a Sport chassis, featuring all of the usual sporty credentials the iconic hot hatch is known for. Opting for the Cup chassis adds a more serious suspension package comprising of 10 per cent stiffer suspension and a new Torsen limited-slip differential.\nThe differential has been tuned to provide a lower transfer rate during deceleration, dropping from 30 per cent to 25 per cent compared with the outgoing model, while acceleration is supported by a higher transfer rate of 45 per cent compared with 38 per cent. This helps to limit understeer and increase traction.\nGoing for the Cup chassis also brings in red-painted Brembo brakes and bi-material aluminium and cast iron discs, and it’ll be available with a six-speed manual transmission or EDC dual-clutch auto. Renault says this option will be available in the fourth quarter of the year, shortly after the arrival of the base Sport chassis model in the third quarter as menioned. Andrew Moore, managing director at Renault Australia, said:\n“Following the international launch of the all-new Megane R.S. we received strong feedback from media, customers and dealers that they would like to have the option of a Cup chassis on the entry model Megane R.S. 280. We have listened to this feedback and gone back to the factory to introduce a Cup chassis option.”\nMoore says the Megane R.S. has a strong history in Australia. So, it’s obviously going to be important to ensure it keeps fans happy. In fact, Australia was the third most popular country in terms of Megane R.S. sales of the previous model, following France and Germany.\nAn estimated starting price of $45,000 has been slated (before on-roads), with the Cup chassis option requiring an additional $1490. The base R.S. 280 comes with a 1.8-litre turbo producing 206kW (280PS) and 390Nm, while the R.S. 300 Trophy sees output lifted to 221kW (300PS). The Trophy arrives in 2019.", "label": "No"}
{"text": "BEMS construction for energy monitoring of the entire National Technical University of Athens campus in Zografou.\n- Installation of electricity meters in middle and low voltage fields\n- Wireless meters connection\n- Monitoring of electric field sizes\n- Monitoring of indoor conditions (temperature, humidity, lighting intensity)\n- Development of database forecasting electricity consumption\n- Display of energy consumption on monitors for the visitors of the University’s library.\n- Client National Technical University of Athens\n- Category Energy\n- Location Athens", "label": "No"}
{"text": "Prior mate preference research has focused on the content of mate preferences. Yet in real life, people must select mates among potentials who vary along myriad dimensions. How do people incorporate information on many different mate preferences in order to choose which partner to pursue? Here, in Study 1, we compare seven candidate algorithms for integrating multiple mate preferences in a competitive agent-based model of human mate choice evolution. This model shows that a Euclidean algorithm is the most evolvable solution to the problem of selecting fitness-beneficial mates. Next, across three studies of actual couples (Study 2: n = 214; Study 3: n = 259; Study 4: n = 294) we apply the Euclidean algorithm toward predicting mate preference fulfillment overall and preference fulfillment as a function of mate value. Consistent with the hypothesis that mate preferences are integrated according to a Euclidean algorithm, we find that actual mates lie close in multidimensional preference space to the preferences of their partners. Moreover, this Euclidean preference fulfillment is greater for people who are higher in mate value, highlighting theoretically-predictable individual differences in who gets what they want. These new Euclidean tools have important implications for understanding real-world dynamics of mate selection.\nCitation: Conroy-Beam D, Buss DM (2016) How Are Mate Preferences Linked with Actual Mate Selection? Tests of Mate Preference Integration Algorithms Using Computer Simulations and Actual Mating Couples. PLoS ONE 11(6): e0156078. https://doi.org/10.1371/journal.pone.0156078\nEditor: Frederic Amblard, Université Toulouse 1 Capitole, FRANCE\nReceived: September 18, 2015; Accepted: May 9, 2016; Published: June 8, 2016\nCopyright: © 2016 Conroy-Beam, Buss. This is an open access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.\nData Availability: All relevant data are within the paper and its Supporting Information files.\nFunding: The authors have no support or funding to report.\nCompeting interests: The authors have declared that no competing interests exist.\nExploring the content of human mate preferences is a well-established research area with both a long history (e.g. ) and a cutting edge (e.g., ). The downstream consequences of preferences, however, have received comparatively little attention. One critical unanswered question in mate selection is how people incorporate information on many individual mate preferences in order to choose which mates they want to pursue. Humans have many qualitatively distinct preferences which are presumably somehow combined, weighted, or compared in order to make actual mating decisions. Many candidate algorithms could accomplish this computation. Here we use agent-based models of mate choice evolution to test competing hypotheses about which of several algorithms are best able to motivate adaptive mate choice. We then evaluate the ability of the most successful algorithms to explain actual mating data.\nMate preferences are an important part of mate selection across species. Mating is central to reproduction, the primary engine of biological evolution. Mate choice is thus one of the most fitness-impacting decisions a sexually reproducing organism makes . Evolutionary biologists and psychologists expect natural selection to fashion mate preferences in sexually reproducing organisms that act to guide mate choice toward fitness-beneficial mates and away from fitness-costly mates—a premise that has been widely supported in insect, avian, fish, mammalian, and primate species (e.g., ).\nThis premise has also been powerfully supported in evolutionary psychological research. People across cultures show preferences for beneficial qualities like kindness, intelligence, and health as well as sex-differentiated preferences for qualities like age, resource earning potential, and physical attractiveness, consistent with evolutionary hypotheses [5, 6]. These preferences shift contextually, within people, in theoretically principled ways (e.g., mate value, ovulation; [7, 8]), as well as across contexts (e.g., short-term versus long-term; [9, 10]), and across cultures and ecologies (e.g. parasite prevalence; ).\nThe effects of these preferences on human mating outcomes, however, remain unclear. Some studies, primarily using speed-dating methodologies, find that preferences have little if any power to predict real mate choices [12, 13]. Some suggest these weak findings are due to methodological limitations inherent to speed-dating [14, 15]. Another possibility is that the effects of preferences on real mating outcomes are difficult to observe because we lack an understanding of how mate preferences are integrated to make mating decisions . Human mate choice psychology necessarily has mechanisms capable of reducing information on many individual preference dimensions to summary values, such as feelings of attraction, that are useful in making the eventual singular decision of mate selection. Understanding whether and how preferences affect mating outcomes requires understanding the nature of this preference integration process.\nThe challenge for psychologists is that there exist many viable candidate algorithms by which human mating psychology could integrate mate preferences into overall appraisals. One intuitive algorithm is a linear model similar to linear regression. Mate preferences are hypothesized to evolve because preferred traits are probabilistic indicators of mate value, the fitness benefits a person would offer as a mate . A potentially effective integration psychology could thus estimate mate value as the weighted sum of a potential mate’s traits, with preferences acting as weights proportional to the fitness benefits offered by preferred traits [9, 16]. By multiplying each of a potential mate’s traits by a preference weight and summing across traits, a linear regression algorithm would reduce information about many mate preferences to a single summary attraction value useful in guiding mate search and selection. With a linear regression algorithm, traits that signal more fitness benefits offered could be more strongly preferred, increasing their weighting and contribution to mate value estimates and attraction . If individuals were in turn motivated to pursue potential mates in proportion to this linear combination, a linear regression algorithm could effectively integrate preferences to guide organisms toward adaptive mate choices.\nRegression algorithms could also be polynomial in nature. The fitness benefits offered by mates will not necessarily be a linear function of their trait values. It could be, for instance, that either very confident or very humble mates offer large fitness benefits, with intermediate benefits coming from mates who are neither confident nor humble. Additionally, mates incapable of producing shared offspring could offer dramatically fewer fitness benefits relative to mates with even very low fertility . These non-linear effects of traits on fitness are emphasized by the mate preference priority model of preferences . According to this model, the non-linear relationship between trait value and fitness benefits requires preference integration mechanisms that prioritize the acquisition of at least minimum values for some critical traits. Support for this model comes from budget allocation approaches to mate preferences: some traits appear to be treated as “necessities” which are increasingly preferred only until some minimum standard is met; other preferences are “luxuries,” sought in large quantity after necessity preferences are satisfied . To the extent that traits are non-linearly associated with fitness benefits, a simple linear regression model will inadequately integrate mate preferences. The decreasing marginal benefits of necessity traits could require negative quadratic functions: attraction could increase rapidly as a function of trait value before leveling off at an asymptote . Luxuries may require instead a positive quadratic, increasing attraction exponentially as a function of trait value. Non-linearly shaped attraction curves could be produced by polynomial regression algorithms, which weight not only a potential mate’s trait value but also the square of the value, cube of the value, and so on.\nThreshold models constitute another set of algorithms that could integrate mate preferences into non-linear attraction curves. With a threshold model, a person would need to pass some pre-set criterion before being considered as a potential mate. By using thresholds, a mate selector could avoid potential mates with highly costly features (e.g. cruel, unhealthy mates) and limit the number of features it needs to consider from each potential mate . For example, a potential mate’s traits might need to fall within some pre-determined range before their traits are entered into weighting functions. Threshold models have been used successfully in predicting mate choice behavior in online dating environments . Miller and Todd  proposed a threshold model in which human preference integration psychology employs a sequential aspiration algorithm. With a sequential aspiration algorithm, preferences are integrated not as a linear combination, but as a series of threshold checks. Each preference represents a threshold value to which a potential mate’s traits are compared. If a potential mate surpasses the threshold level on one trait, they pass that aspiration check and are then compared to the next threshold level. Attraction is reserved for people who meet all of a person’s aspirations for a potential mate.\nFinally, we propose a novel algorithm that follows directly from the nature of mate selection itself. Each of the algorithms reviewed above ultimately treats mate preferences in isolation. Each trait is compared to its corresponding preference separately, and the results are aggregated across traits. However, potential mates do not present themselves one trait at a time. Rather, potential mates occur as constellations of attributes that must be evaluated and accepted or rejected as a whole . This observation carries a critical logical implication: a potential mate could be an excellent fit to a person’s mate preferences across their collection of traits, even if they fail to satisfy any single mate preference in isolation.\nA Euclidean integration algorithm can efficiently integrate mate preferences while capturing the inherent multidimensionality of mates and mate choice. A Euclidean algorithm represents potential mates as residing within a multidimensional preference space. Each dimension of this space represents one trait dimension and a potential mate’s position in the space is determined by their trait value on each dimension. Preferences with a Euclidean algorithm represent the ideal value for each trait; consequently, a person’s ideal preferences and their potential mates’ attributes can be located as points within the same multidimensional preference space. Attraction with a Euclidean algorithm can then be computed as the inverse of the straight-line distance between a person’s preference point and each potential mate’s trait point through the multidimensional preference space. This distance is calculated as the sum of the squared deviations between each of a person’s preference values and each of a potential mate’s corresponding trait values. This Euclidean distance can integrate any number of preferences—two, five, 27, and so on—into a single value that represents the overall difference between a person’s constellation of preferences and a potential mate’s constellation of attributes.\nRegardless of the merits of each of these algorithms in theory, one fact must be true of the algorithm actually employed by human preference integration psychology: it must have been able to efficiently solve the problem of selecting adaptive mates throughout human evolutionary history. This fact provides researchers one important means of adjudicating among algorithms of mate preference integration.\nAgent-based models of mate choice evolution can be used to evaluate an algorithms’ efficacy in selecting adaptive mates. Agent-based models are increasingly employed to study human cooperation (e.g. [23, 24]); though seldom applied, agent-based models can also be useful for evaluating hypotheses concerning human mating psychology. For mate preference integration, algorithms that perform best in simulated evolution are the best candidates for the actual algorithm implemented by human preference integration psychology. Here we construct an agent-based model of human mate choice evolution and compete preference integration algorithms against one another within this model. Across three studies, we then apply the most successful algorithms to three samples of actual mating couples to determine whether they have power in predicting actual mating outcomes.\nStudy 1: An Agent-Based Model of Human Mate Choice Evolution\nIn Study 1, we constructed and analyzed an agent-based model of human mate choice evolution. In this model, agents evolve mate preferences that they use to select other agents as mates. Agents make their mate choice decisions by employing one of seven mate preference integration algorithms: simple linear regression, threshold regression, polynomial regression, aspiration, Euclidean, threshold Euclidean, and random. After mate selection, agents reproduce in proportion to pre-determined fitness values of their traits and their partner’s traits. Agents who make the most adaptive mate choices will better reproduce their traits, preferences, and crucially, preference integration algorithms. By analyzing this model, we can determine which of the candidate algorithms is most efficient at solving the adaptive problem of attracting beneficial mates and therefore which algorithm is the most likely approximation of human preference integration psychology.\n700 agents were generated for the parent population. Each agent had a sex, mate preferences, corresponding traits, fitness, and an attraction algorithm. Agents had two possible sexes: male and female. All agents also had 23 traits, initially drawn from random normal distributions with M = 4 and SD = 1.5 and constrained to values between one and seven. Trait values began normally distributed and uncorrelated, but their distributions and correlational structures were allowed to evolve across generations. The values, correlational relationships, and distributions of traits were thus determined entirely by evolution within the model—aside from trait values being constrained to values between one and seven. Agents were assigned 23 traits in order to be comparable to a mate preference scale under development, not analyzed here. Each agent also had 92 preferences, four per trait, generated initially from random normal distributions with M = 0 and SD = 1.5. Preferences were allowed to take on any value, positive or negative. What these preference values represented depended on the integration algorithm the agent used. Preferences, like traits, were initially normally distributed and uncorrelated but their ultimate distributions and correlational structures were allowed to evolve across generations. Additionally, like traits, the values, correlational relationships, and distributions of preferences were determined entirely by evolution within the model.\nAgents were assigned fitness points based on their traits. For each trait, the model generated a fitness function at the start of each run of the model by assigning to each possible trait value a random whole number between one and seven. This whole number represented the number of fitness points earned by agents with that trait value. No two trait values could be associated with the same number of fitness points. An agent earned from each trait the number of fitness points associated with their trait value; fitness points were then summed across traits. Fitness functions were thus entirely random; results did not change when fitness functions were instead linear or curvilinear (S1 Fig). All traits additionally had the same average impact on fitness; model results did not change when traits contributed differently to fitness (S2 Fig).\nFor most traits, the same fitness function applied to all agents within the model. However, five traits were sexually dimorphic: fitness functions for these traits were generated separately for males and females and therefore randomly differed between the sexes. The remaining traits were sexually monomorphic and the fitness functions were identical for the sexes. Sexually dimorphic traits were incorporated in order to mimic sex differences found in real mate preference data (e.g. [5, 6, 25]). Five out of 23 traits were chosen to be sexually dimorphic in order to be similar to the proportion of preferences predicted to be sexually dimorphic in mate preference questionnaires (e.g. ). However, removing the sexually dimorphic traits did not qualitatively change the model results (S3 Fig).\nPreference integration algorithm.\nEach agent was assigned one of seven possible mate preference integration algorithms: simple regression, threshold regression, polynomial regression, Euclidean, threshold Euclidean, aspiration, and random. These algorithms determined how the agent’s preferences were integrated into attraction to other agents. In the parent population, 50 males and 50 females were assigned to each preference integration algorithm. The total population size was 700 agents; manipulating population size did not qualitatively change the results (S4 Fig). Agent preferences evolved unconstrained across generations for all algorithms and thus could take on any value, positive or negative, as well as any distribution or correlational structure.\nThe simple regression algorithm used the agent’s first preference value for each trait as a slope and the second as an intercept value. This algorithm determined attraction to a given potential mate by multiplying the value of each agent's slope preference by the value of the potential mate's corresponding trait and adding the agent’s intercept preference value. Attraction was the sum of the resulting attraction values across traits. Or where n = number of traits, p = the agent’s preference value, and t the potential mate’s trait value. The third and fourth preference values were not used by this algorithm.\nAgents with a threshold regression algorithm first compared their potential mates to a series of threshold checks. Threshold algorithm agents used their third preference value for each trait as an ideal value for that trait and their fourth preference value as an acceptable range around that value. A potential mate passed a threshold check if their trait value fell within the acceptable range around the agent’s corresponding ideal value. For potential mates who passed all threshold checks, attraction was calculated exactly as in the simple regression algorithm. Agents assigned potential mates an attraction value of zero if they failed any threshold check.\nThe polynomial regression algorithm computed attraction as in the simple regression algorithm, but used their first three preference values for each trait as slopes, allowing construction of a cubic polynomial function. The first slope preference for each trait was multiplied by the potential mate’s trait value, the second by the square of the trait value, and the third by the cube of the trait value. The fourth preference value for each trait served as an intercept. Attraction was the sum of attraction values across traits. Or where n = number of traits, p = the agent’s preference value, and t the potential mate’s trait value.\nThe Euclidean algorithm calculated attraction as the inverse of the Euclidean distance between the agent’s first preference value for each trait and the corresponding traits of each potential mate through the multidimensional preference space. Or where n = the number of traits, p = the agent’s preference value, and t = the agent’s trait value. The three other preferences for each trait were not used by the Euclidean algorithm.\nJust as for the threshold regression algorithm, agents with the threshold Euclidean algorithm used their second and third preferences to first compare their potential mates to a threshold check for each trait. Potential mates who failed any threshold check were assigned an attraction value of zero. Potential mates who passed all threshold checks were assigned an attraction value equal to the inverse Euclidean distance between the agent’s first preference for each trait and the potential mate’s corresponding traits.\nAs in the threshold regression algorithm, agents with the aspiration algorithm had a preferred value and an acceptable range for each trait. Potential mates earned one attraction point for each of their traits that fell within the agent’s acceptable range for that trait. Attraction was calculated as the sum of the attraction points raised to the 15th power. In this way, aspiration agents were only attracted to potential mates who satisfied all or nearly all of their aspirations.\nThe random algorithm produced a random attraction value for each potential mate drawn from a random uniform distribution ranging from zero to one.\nAfter all agents computed attraction to their potential mates, attraction values were scaled within-algorithm such that the average attraction value for each algorithm was M = 50 and the standard deviation was SD = 15. This ensured that no algorithm gained an advantage over others due only to the units of its attraction values. Threshold algorithms were scaled such that only above-zero attraction values had a mean of 50 and standard deviation of 15. Attraction values to below threshold mates were maintained as zeros.\nWithin each generation, all agents completed a life cycle wherein they computed their attraction to other agents, selected mates, reproduced, and died.\nAgents first went through the “compute attraction” stage of the life cycle. In this stage, each agent computed their attraction to all opposite-sex agents according to their specific algorithms. This stage produced two matrices: one matrix contained the attraction of each female to each male and the other contained the attraction of each male to each female.\nAfter computing attraction, agents entered the mate selection stage. In this stage, the model first computed the mutual attraction of all agents. Pairing based on mutual attraction allowed agents to pair with the mates to whom they were most attracted who were also reciprocally attracted to the agent. This caused mate selection to be attraction-dependent and also captured the fact that human mate choice is mutual and requires attraction from both partners. Mutual attraction was calculated as the element-wise product of the female attraction matrix and the male attraction matrix. The result is the mutual attraction matrix: a matrix of values representing how mutually attracted each possible agent couple would be. The model then completed several steps. (1) The most mutually attracted agents were first determined. These two agents were paired and placed into a matrix of paired agents. (2) The paired agents were removed from the mutual attraction matrix entirely. (3) All agents remaining in the mutual attraction matrix were deducted .25 fitness points. This is a small fitness cost that represents search costs of mating. This cost was applied iteratively, after each pairing event, such that the agents who remained on the mating market longest (i.e. were paired last) paid the largest total search cost. Model results were qualitatively robust to changes in this parameter (S5 Fig). Agents who were left without mates at the completion of the mate selection stage died without reproducing.\nNext, paired agents reproduced in proportion to their fitness points. The fitness points of each agent in a pair were summed and divided by 40. The resulting number, rounded down, represented the number of offspring the couple produced. By dividing fitness points by 40, two agents of maximum mate value could produce eight offspring whereas two agents of minimum mate value could produce only one offspring. A reproduction cost of 40 was chosen to produce realistic fertility rates; manipulation of this parameter did not qualitatively change model results (S6 Fig).\nThe model then initiated the reproduction procedure, which iterated through couples, performing several procedures for each. (1) Each offspring was first assigned a random sex; male and female offspring were equally likely. (2) Offspring received the traits and preferences of their parents, depending on their sex. For the five sexually dimorphic traits, offspring inherited the trait values and corresponding preferences of their same-sex parent. For the sexually monomorphic traits, offspring had an equal chance of inheriting each trait value and preference from either parent. (3) Each offspring inherited their preference integration algorithm from their parents. Offspring had an equal chance of inheriting the algorithm of either parent. (4) Once generated, offspring mutated. Random normal noise, centered on M = 0 with SD = .5 was added to each trait and preference value; manipulating the amount of noise added during mutation did not qualitatively change the results (S7 Fig). Algorithms and sex could not mutate. Traits were constrained to values between one and seven after mutation. After mutation, the fitness values of offspring were calculated exactly as for their parents.\nAfter all couples reproduced, the offspring matrices were saved over the parent matrices and the couple matrices were emptied. Additionally, if the offspring population size was larger than n = 700, a random sample of offspring was erased such that the population size remained at n = 700. Capping the population size served both to maintain computability of the simulation and introduce realistic forces of genetic drift.\nAt this stage, a full life cycle was completed and the offspring generation began their life cycle. The model ran for 200 generations of evolution. Model script is available in the supporting materials (S1 Script).\nWe ran our agent-based model 50 times in total. Within each run of the model, we saved the population size of each algorithm at each generation. We aggregated the generation-level population sizes across model runs and saved the average population size as well as 95% confidence intervals for each algorithm at each generation. Fig 1 plots the population sizes for algorithms across generations. Table 1 presents the performance of each algorithm across model runs including the proportion of runs in which each algorithm was (1) dominant (had the largest population size), (2) fixed (eliminated all competitor algorithms), and (3) extinct by the final generation.\nPopulation size is the average population of each algorithm at each generation across model runs. Error bars represent 95% confidence intervals.\nThe simple regression, threshold regression, and threshold Euclidean models went extinct almost immediately in all model runs. The random algorithm showed surprisingly good performance in the early generations. In these early generations, the randomness of this algorithm did not appear to be a substantial cost because the principled algorithms had not yet evolved effective, functional mate preferences. During this period the random algorithm did not make substantially poorer mate choices but did pay fewer search costs, perhaps because their idiosyncratic attraction values meant they experienced less competition for mates on average than did other algorithms. The random algorithms were eventually and quickly outcompeted by the principled algorithms once the latter evolved functional mate preferences.\nThe longest surviving algorithms were the polynomial regression, aspiration, and Euclidean algorithms. The aspiration algorithm frequently persisted in the final generation, but went extinct in 40% of model runs. The polynomial algorithm never went extinct, but was also never the dominant algorithm.\nThe most successful preference integration algorithm across model runs was by far the Euclidean algorithm. Across model runs, the population size of this algorithm increased rapidly and occupied the population size made available by the extinction of the regression algorithms. This algorithm never fixed, but was also dominant in 100% of model runs and never went extinct. Its average population size in the final generation, M = 554.36, was 4.10 times greater than the average population size of the next most successful algorithm, the polynomial algorithm (M = 135.26).\nWe compared seven candidate preference integration algorithms to one another in a competitive agent-based model of human mate choice evolution. This model captured several key adaptive problems posed by real human mate choice including competition among mating rivals and the challenge of securing mutual attraction. But crucially, agents had an array of mates to choose from, each of whom offered fitness benefits that were opaque to the agent. Solving this adaptive problem required evolving ideal mate preferences and integrating them in such a way that agents were able to reliably choose the most fitness beneficial partners. Algorithms that more effectively solved this problem were favored by selection and became more numerous within our simulated population.\nThe most successful model in our algorithm was by far the Euclidean algorithm. Two key features of this algorithm contribute to its success. First, the Euclidean algorithm is the only algorithm capable of representing potential mates as the multidimensional individuals that they are. This algorithm is able to motivate attraction to mates who represent good fits to mate preferences overall rather than to mates who merely fit individual preferences. Second, the algorithm is extremely efficient in its parameter usage. The Euclidean algorithm is capable of computing a multidimensional attraction variable using only one parameter per trait. This makes the Euclidean algorithm able to quickly evolve functional preferences and maintain these preferences against mutation over evolutionary time. The next simplest algorithm, the simple regression algorithm, required two parameters per trait: twice as many parameters that must first be evolved and then maintained across generations.\nThe success of the Euclidean algorithm within our model suggests that Euclidean preference integration would have been successful in solving the adaptive problem of attracting beneficial mates throughout human evolution. Nonetheless, it is important to stress that a model is only good as its assumptions. Although we manipulated many of our assumptions, we could not manipulate all of them. For example, the Euclidean algorithm was able outcompete the alternative algorithms we tested, but there may exist other algorithms that could perform better. Additionally, threshold models performed poorly within our model but may be more competitive in models where fitness is distributed less continuously across trait ranges. Agents within our model were able to assess all potential mates on all traits and paid no penalties for using more information; models that incorporate more restricted search may favor different algorithms, such as those that use thresholds. Agents also made mating decisions individually, without influence of kin, friends, or rivals. Our agents were purely monogamous, even though humans apply a mix of mating strategies including short-term mating  and extra-pair mating. Finally, it is possible that people apply combinations of algorithms: for instance, using thresholds for some traits and continuous integration for others.\nFuture research could continue to apply our model to explore more algorithms under further varying conditions. However, it would be impossible to explore all algorithms under all possible sets of assumptions. What is clear based on our model is that, among many algorithms for integrating mate preferences, the Euclidean algorithm succeeds robustly across a wide range of circumstances. This success suggests that human preference integration psychology is particularly likely to employ an algorithm similar to the Euclidean algorithm. Thus, the next critical test of this algorithm concerns its ability to explain features of real human mate choice. In Studies 2–4, we sought to provide evidence that human preference integration psychology employs a Euclidean algorithm by evaluating whether a Euclidean approach to mate preferences has power in predicting real mating outcomes.\nStudy 2: Applying Euclidean Distances in Newlywed Couples\nStudy 1 suggested that a Euclidean method is a particularly evolvable candidate algorithm for integrating individual mate preferences into overall appraisals of potential mates. This suggests that actual human preference integration psychology is likely to integrate mate preferences using a Euclidean algorithm. Agent-based models again provide a useful means to test this hypothesis. If human preference integration psychology employs a Euclidean method, trends produced by agent-based models of Euclidean mate choice should approximate corresponding trends found in samples of real human couples. Further, agent-based models employing other integration algorithms should not approximate human trends as well as do Euclidean models.\nOne particularly important trend is preference fulfillment: the extent to which actual mates fulfill ideal mate preferences. A Euclidean algorithm operates by motivating selection of mates whose traits minimize the Euclidean distance from one’s ideal preferences. If mate preferences are integrated according to a Euclidean algorithm, actually chosen mates should fall close to ideal preferences within the multidimensional preference space. Here we test this prediction by examining the relationship between mate preferences and partner traits in agent based models of Euclidean-based mate choice, polynomial and aspirational mate choice, and in a sample of actual newlywed couples. If human preference integration psychology does actually employ a Euclidean method, newlywed couples should show multidimensional preference fulfillment and this preference fulfillment should be similar to that observed in agent-based models of Euclidean preference integration but not polynomial or aspirational integration.\nWe analyzed data from a sample of 214 partners composing 107 heterosexual newlywed couples. Participants were recruited by mail from public marriage records in a large county in the Midwestern United States. All couples had been married for less than one year at the time of participation. The average age for male participants was 26.68 (SD = 3.71); females were 25.54 years old on average (SD = 4.05). All participants provided written consent to participate in this study. This study was approved by the University of Michigan Institutional Review Board.\nFor each participant, we analyzed ratings on 40 7-point bipolar adjective pairs (e.g. “submissive” to “dominant”) representing the five factors of personality. Adjective pairs were chosen as the highest-loading items from Goldberg . This instrument included many traits that people are known to value in potential mates including “intelligent”, “agreeable”, and “generous.” Ratings for each trait come from self-report, partner-report, and the report of two independent interviewers. All ratings were averaged together to create composite scores. For personality preferences in a mate, participants rated their desired partner personality on the same set of bipolar adjective scales.\nThe models in Study 2 proceeded as in Study 1 with two changes. First, we began with an initial population of only 100 agents and a population cap of 200. This lowered population size increased computability of the simulation while still giving a large enough population size for data analysis. Second, agents in each model used only one preference integration algorithm: either Euclidean, polynomial, or aspiration.\nIn order to calculate Euclidean distances between ideal preferences and partner traits, we saved from the Euclidean model the traits, preferences, and partners of all agents in the final generation of the model. Within the polynomial and aspirational models, we inferred the agents’ ideal preference values based on the preference functions they evolved. For polynomial agents, we presented each agent with all possible trait values for each trait and determined which trait value caused the agent to return the largest attraction value. These values were saved as their ideal preferences for each of the 23 traits. For aspirational agents, their ideal preference for each trait was determined as the center of their acceptable range for that trait.\nWithin the models and the newlywed sample, we first calculated the Euclidean distance between each participant’s or agent’s ideal preferences and their partner’s corresponding traits. Fig 2 provides a graphical representation of the Euclidean distance analysis for just two mate preferences and qualities. A person’s mate preferences can be plotted in an n-dimensional space where each axis represents a trait and location on the axis represents trait value. A partner’s actual qualities can also be plotted in this preference space. The Euclidean distance between ideal preferences and partner traits is the linear distance between a person’s preference point and their partner’s trait point.\nA person’s preferences (black) and be plotted in a preference space alongside their partner’s qualities (white) and the qualities of their alternative potential partners (grey).\nRaw Euclidean distances from the models and newlywed sample are not directly comparable because they are based on different numbers of dimensions: 23 dimensions within the models and 40 dimensions within the newlywed sample. To allow comparison between the newlywed sample and the models, we scaled Euclidean distances from the newlywed sample to their equivalent values within a 23-dimensional space.\nEuclidean distances between preferences and partner traits provides an absolute index of preference fulfillment: lower distances indicate a participant or agent’s mate provides a good absolute fit to their preferences. But even a partner who is far from preferences absolutely could be a good mate if they are closer to preferences than are alternative mates. We therefore calculated for each agent and participant an index of relative preference fulfillment as the proportion of alternative mates within the sample or model who were further from that agent or participant’s preferences than their actually selected mate. A larger value of this percentage means that this agent or participant’s mate is closer to their preferences than most mates and indicates their mate is a good relative fit to their preferences.\nWe ran each agent-based model 50 times in total and calculated absolute and relative preference fulfillment within each model run. Results for each are reported as the average degree of preference fulfillment across model runs with 95% confidence intervals based on the standard deviation in preference fulfillment across model runs. For the newlywed sample, we bootstrapped confidence intervals on preference fulfillment by resampling with replacement from the newlywed couples 10,000 times. Results are reported as the average preference fulfillment across bootstrap samples with 95% confidence intervals representing the values that cut off the most extreme 2.5% of samples in both directions.\nAbsolute preference fulfillment.\nAgents within the Euclidean model ultimately selected mates that were on average a Euclidean distance of M = 11.25 units away from their ideal preferences, 95% CI [11.11, 11.38]. Euclidean agents’ mates were closer to their preferences than mates selected by polynomial agents (M = 13.35, 95% CI [13.14, 13.56]) and mates selected by aspirational agents (M = 19.97, 95% CI [19.73, 20.22]). Participants within the newlywed sample were mated to partners who were very close to their preferences on average: M = 6.58, 95% CI [6.55, 6.61]. Absolute preference fulfillment within the newlywed sample was thus greater than preference fulfillment within any of the agent-based models, but was most similar to preference fulfillment observed within the Euclidean model.\nRelative preference fulfillment.\nAgents within the Euclidean agent-based model selected mates who were on average closer to their preferences than 87.29% of alternative mates, 95% CI [86.87, 87.71]. Agents in the polynomial agent-based model selected mates closer to their preferences than just 53.03% of alternative mates on average, 95% CI [52.34, 53.71]. Aspirational agents selected mates closer to their preferences than 57.38% of alternatives, 95% CI [56.71, 58.04]. Relative preference fulfillment was surprisingly weak within the newlywed sample: participants were mated to partners who were closer to their preferences than just 60.96% of alternatives, 95% CI [60.37, 61.54]. Despite strong absolute preference fulfillment, in terms of relative fulfillment participants in the newlywed sample were most similar overall to aspirational agents. All data are available in the supporting materials (S1 Data).\nThe newlywed couples showed only partial correspondence with the agent-based model of Euclidean mate selection. Newlywed couples show strong absolute preference fulfillment—much stronger than observed within the agent-based models, but most similar overall to that observed in the aspirational model. However, newlywed couples showed relatively weak relative preference fulfillment most similar overall to aspirational agents.\nSome amount of the strength of relative preference fulfillment in the Euclidean agent-based model is unsurprising. Agents in the agent-based model are able to perfectly appraise their mates’ traits, compute attraction without error, and pursue mates in direct proportion to attraction. Real mate selection is unlikely to proceed as ideally, even if it is Euclidean in nature, due to a number of constraints, such as unreliability of assessment about a potential mate’s traits due to lack of relevant information, probabilistic rather than certain cue validity, deceptive information, or low observability about potential mates’ actual trait values (e.g., [14, 15, 27]). The most important difference, however, is that in the agent-based model, all mate preferences were important to mate selection. The preferences and qualities assayed in the newlywed sample pertain exclusively to personality traits and are missing variables common to mate preference research such as age, physical attractiveness, or resources. Although people appear to acquire mates with desirable personality traits absolutely, these traits may simply not be important enough for people to strive for strong relative preference fulfillment. Thus, we conducted Study 3 in order to replicate the findings of Study 2 but also attempt to address its key limitation by examining preferences more common to mate preference research.\nStudy 3: Applying a Euclidean Approach in an Internet Sample of Long-term Couples\nIn Study 3, we applied the Euclidean distance assay of preference fulfillment to agent-based models and an internet sample of people in long-term relationships. The online nature of this study allows for potentially broader sampling than available in newlywed sample of Study 2. Additionally, we focus analysis on a set of preference dimensions more central to theoretically-driven mate preference research than the personality dimensions analyzed in Study 2.\nParticipants were 259 people (140 female) recruited from Amazon’s Mechanical Turk. All participants reported being in ongoing, heterosexual, committed long-term relationships. Of these, 148 were married, 88 reported dating exclusively, 4 reported being engaged, 1 reported “living together,” and 22 reported “dating casually”. The average relationship length was M = 90.65 months (SD = 105.85). The average age for female participants was 35.22 (SD = 11.38); males were 34.34 years old on average (SD = 10.83). Participants consented to this study by submission of an online consent form. This consent procedure and this study were approved by the University of Texas at Austin Institutional Review Board.\nParticipants completed the mate preference questionnaire from Buss  with some modifications. Participants completed the questionnaire with the original 18 dimensions as well as nine added dimensions: dominant, confident, intelligent, masculine, feminine, muscular, kind, mutually attracted, and age difference. These traits were included because they are commonly explored in the broader mate preference literature. Participants rated the importance of these traits in their ideal long-term partner on 7-point Likert scale ranging from “Irrelevant (Extremely unimportant)” to “Indispensable (Extremely important)”. Participants separately rated the extent to which these traits described their actual long-term partner using 7-point Likert scales ranging from “Strongly disagree” to “Strongly agree.” Participants additionally reported the actual age difference between themselves and their partners in years. Some participants (n = 19) misunderstood the question asking for ideal age difference as asking for ideal age of partner. This resulted in, for instance, 25-year-old participants stating they ideally preferred partners 20 years younger than themselves. We eliminated from analyses participants that clearly misunderstood the instructions in this way.\nAbsolute preference fulfillment.\nAs in Study 2, agents within the Euclidean agent-based model selected mates that were on average M = 11.19 units away from their mate preferences, 95% CI [11.04, 11.34]. This was closer than mates selected by polynomial agents, M = 13.17, 95% CI [12.96, 13.39], and mates selected by aspirational agents, M = 20.08, 95% CI [19.83, 20.34]. Participants in the long-term couples sample were mated to mates closer to their preferences on average than observed in any agent based model, M = 7.37, 95% CI [7.30, 7.43], but most similar overall to absolute preference fulfillment observed within the Euclidean model.\nRelative preference fulfillment.\nEuclidean agents selected mates closer to their preferences than M = 87.62% of alternatives, 95% CI [87.19, 88.05]. This relative preference fulfillment was stronger than that observed in the polynomial model, M = 52.82%, 95% CI [52.33, 53.31], and in the aspirational model, M = 56.86%, 95% CI [56.33, 57.39]. In contrast to Study 2, participants within the long-term couple sample showed strong relative preference fulfillment much more comparable to relative preference fulfillment within the Euclidean model. Participants were mated to partners closer to their preferences than 83.30% of alternatives, 95% CI [82.87, 83.73].\nAll data is available in the supporting materials (S2 Data).\nStudy 3 replicates the results of Study 2 in finding that people’s actual mates fall a short Euclidean distance from their ideal preferences in absolute terms—closer than observed in any agent-based model, but still most similar to that observed within the Euclidean model. The results of Study 3 additionally suggest substantially stronger relative preference fulfillment than the results of Study 2. Actual partners lie closer to preferences than to the overwhelming majority of alternative partners. This preference fulfillment is importantly much more comparable to that found in the agent-based model of Euclidean mate choice.\nPart of these stronger preference fulfillment effects in Study 3 relative to Study 2 may be due to the inclusion of more important mate preference dimensions, such as physical attractiveness. Rater variance could be an additional cause. Ratings in Study 3 were based solely on participant self-report; preferences therefore share rater variance with qualities of chosen partners but not of alternative partners. It is possible, for instance, that participants favorably perceive the traits of their own partners as better matching their preferences more than do third party raters, causing Study 3 to overestimate preference fulfillment. However, re-analysis of Study 2 did not show systematically larger effects from self-reports than from composites including partner and interviewer reports. In fact, absolute and relative preference fulfillment were both weaker overall in the newlywed sample when based on self-report alone than when based on composite ratings. Thus, it appears more likely that Study 2 underestimated preference fulfillment in being based on less important mate preference dimensions.\nStudy 4: Euclidean Preference Fulfillment and Mate Value in Long-term Couples\nStudy 4 had two goals. First, the effects of Study 3 using mate preference variables were surprisingly large in comparison to the effects found for personality variables in Study 2. Study 4 was therefore conducted to determine whether the relatively large effects of Study 3 were replicable.\nSecond, Studies 2 and 3 showed that Euclidean distances have power in predicting mating outcomes in that simulated agents and real long-term mates show a modest to large degree of preference fulfillment in both relative and absolute terms: mates lie absolutely close to ideal preferences through the preference space and are closer on average than alternative partners. Study 4 attempted to extend this predictive power in showing that Euclidean distances can also predict individual differences in preference fulfillment.\nStudies 2 and 3 do suggest that actual mates do fulfill ideal mate preferences, but theoretically this preference fulfillment should be constrained by multiple factors. One important factor is a person’s own desirability as a mate: people who are themselves more desirable can attract more potential mates and therefore should have more power in selecting mates who fulfill their preferences. People more desirable on the mating market should therefore on average tend to be mated to partners who better match their ideal mate preferences.\nEuclidean distances can be used to test this hypothesis in two ways. First, Euclidean distances can be used to quantify the degree of absolute and relative preference fulfillment for a given person as in Studies 2 and 3. Second, Euclidean distances can also be used to quantify a person’s overall desirability as a mate—their “mate value.” If mate preferences are truly integrated using a Euclidean algorithm, the most desirable people will be those whose traits tend to fall close in multidimensional preference space to the preferences of the opposite sex. A person’s mate value can thus be calculated as the Euclidean distance between their traits and the average mate preferences of the opposite sex.\nThe hypothesis that ideal mate preferences are integrated according to a Euclidean algorithm therefore makes two key predictions: (1) peoples’ actual mates should fall closer to their preferences in multidimensional preference space both absolutely and relatively as in Studies 2 and 3, and (2) preference fulfillment should be correlated with the Euclidean distance between a person’s traits and the preferences of the opposite sex, such that people who better embody the preferences of the opposite sex in Euclidean terms tend to be mated to people who better fulfill their own ideal preferences. Here we test these predictions in agent-based models and a third sample of actual mated couples.\nParticipants were 294 members of long-term couples (129 female) recruited using Amazon’s Mechanical Turk. Female participants were 32.88 years old on average (SD = 10.03); males were 35.04 years old on average (SD = 10.71). All participants were in long-term heterosexual relationships: 17 reported dating casually, 72 dating exclusively, 31 engaged, 171 married, and 3 reporting “other” relationship statuses: “separated”, “living together”, and “long-term partnership”. Participants had been in their relationships for M = 68.99 months on average (SD = 86.30). A small set of participants (n = 7) misunderstood the question asking for ideal age difference as asking for ideal age of partner. Participants who misunderstood this question were excluded from analyses. Participants consented to this study by submission of an online consent form. This consent procedure and this study were approved by the University of Texas at Austin Institutional Review Board.\nMeasures and Model.\nParticipants completed the same measures as in Study 3. In addition to rating their ideal and actual partners, participants also rated themselves on the mate preference dimensions, excluding relationship specific items such as “mutual love”, on 7-point Likert scales ranging from “Strongly Disagree” to “Strongly Agree”. The agent-based model proceeded exactly as in Study 2.\nWe measured preference fulfillment exactly as in Studies 2 and 3. Mate value was calculated as the inverse of the Euclidean distance between each agent’s and each participant’s own traits and the corresponding average ideal preferences of the opposite sex. A higher value on this index therefore indicated the agent or participant better embodied the ideal preferences of the opposite sex overall. All data are available in the supporting materials (S3 Data).\nParticipants in Study 4 were again mated to partners very close to their ideal preferences on average, M = 7.08, 95% CI [7.01, 7.15]. This absolute preference fulfillment was more similar to that observed within the Euclidean models (M = 11.03, 95% CI [10.92, 11.5]) than to absolute preference fulfillment in the polynomial models (M = 13.13, 95% CI [12.89, 13.36]) or the aspirational models (M = 20.06, 95% CI [19.78, 20.34]). Relative preference fulfillment from participants in Study 4 (M = 81.04%, 95% CI [80.59, 81.50]) was similarly strong to relative preference fulfillment in the Euclidean models (M = 87.53%, 95% CI [87.02, 88.05]). Relative preference fulfillment was weaker in the polynomial models (M = 52.78%, 95% CI [52.68, 53.67]) and aspirational models (M = 57.34%, 95% CI [56.84, 57.84]).\nFig 3 plots an example of the relationship between agent mate value and preference fulfillment from one run of the Euclidean agent-based model. Consistent with predictions, agent mate value was negatively correlated with preference fulfillment across runs of the Euclidean model, r = -.17, 95% CI [-.19, -.14]. Agents who were themselves more desirable as mates tended to attract and be mated to partners who were closer to their ideal mate preferences through the multidimensional preference space. This negative correlation between mate value and preference fulfillment is also uniquely predicted by Euclidean preference integration: this relationship did not emerge in models in which agents integrate their preferences according to a polynomial algorithm (r = .01, 95% CI [-.02, .04]) or in which agents use an aspirational algorithm (r = .13, 95% CI [.09, .17]).\nConsistent with predictions, agents who are themselves more desirable as mates are on average mated to partners who better fulfill their ideal mate preferences.\nFig 4 shows that the negative relationship between preference fulfillment and mate value emerged within the long-term couple sample. Participants who were higher in mate value according to a Euclidean calculation were mated to partners who were closer to their mate preferences through the multidimensional preference space, r = -.21, 95% CI [-.23, -.19].\nStudy 4 offered two key findings. First, in terms of preference fulfillment, Study 4 robustly replicated the effects of Study 3. Using 27 dimensions more traditional to mate choice literature, Study 4 produced similarly large effects as Study 3—in fact, actual mates in Study 3 were closer fits to preferences than approximately the same percentage of alternative mates: 81.04% on average in Study 4 relative to 83.30% on average in Study 3. Average absolute preference fulfillment in Study 4 (7.08) was also very similar to that observed in Study 3 (7.37). These preference fulfillment effects were once again very comparable to preference fulfillment observed in the agent-based model of Euclidean mate selection. These large, replicable effects whereby actual mates provide good fits to ideal mate preferences in multidimensional space serve as important evidence that human mate preference psychology employs something like a Euclidean algorithm to integrate mate preferences in making mating decisions.\nSecond, Study 4 provided support for the hypothesis that people higher in mate value themselves, as calculated using Euclidean distances, will have partners who better fulfill their ideal mate preferences. The ability of higher mate value people to acquire partners closer to their mate preferences is theoretically consistent, but to our knowledge has not previously been demonstrated. This novel finding has two key implications. First, the correlation between mate value and preference fulfillment supplies further evidence that human mate preferences are integrated in mate choice using a Euclidean algorithm. This relationship is uniquely predicted by Euclidean preference integration in that it does not emerge from models wherein agents integrate their preferences according to polynomial or aspirational algorithms. Crucially, this effect emerges both within models of Euclidean preference integration and our sample of long-term couples.\nSecond, this finding further speaks against the potential limitation of Studies 3 and 4 being based on self-report. Any degree of preference fulfillment within our samples of human couples could be explained by participants deluding themselves about the proximity of their mate preferences to their partners’ traits. However, this participant delusion process would not predict that high mate value would delude themselves more than low mate value people. In fact, the opposite might have been predicted: because low mate value people are likely to acquire partners further from their mate preferences, one could argue that they might be more motivated to convince themselves that their preferences have been fulfilled. The correlation between mate value and preference fulfillment observed in both the Euclidean agent-based model and the long-term couple sample suggest that the correspondence between ideal mate preferences and partner traits is unlikely to emerge because of participant self-deception. Study 4 suggests that the most likely scenario is that people select their mates by integrating their preferences according to a Euclidean algorithm.\nFour studies provide evidence that a Euclidean algorithm is a strong candidate for the algorithm by which human mate preferences are integrated in mate choice. Among a group of seven candidate algorithms, the Euclidean algorithm proved to be the most evolvable strategy by far for selecting mates in our agent-based model of human mate choice evolution. However, theoretical models are only as good as their assumptions. It is crucial, then, that our agent-based models converged across three samples with empirical data on real mating couples to support the Euclidean algorithm as the best description of human mate preference integration. In three samples of human couples, people’s mate preferences fall close in multidimensional space to their actual partner’s qualities: close absolutely and closer than to the majority of alternative possible partners. Finally, only the Euclidean algorithm furnished a key novel finding: people who are themselves higher in mate value are able to leverage their desirability into selecting mates who better fulfill their ideal preferences. Together, the findings of four studies provide important new evidence that human mate preferences are integrated by a psychology employing a Euclidean algorithm.\nThe success of the Euclidean algorithm appears to come from several sources. First, the Euclidean algorithm is able to easily integrate many mate preferences into singular decision variables capable of guiding mate choice. Second, this efficient integration comes from using relatively few parameters: just one for each trait. Finally, and perhaps most importantly, the Euclidean algorithm matches the multidimensional nature of mate choice: a mate’s mate value is derived from consideration of all of their qualities simultaneously, rather than mere summation of their traits independently. This means that the impact of any one trait on a person’s overall mate value depends on the value of all of their other traits. That is, possessing one highly undesirable trait can have a relatively large impact on the mate value of an otherwise desirable person but only a small impact on a person who is undesirable on several other dimensions.\nA greater understanding of the algorithm by which mate preferences are integrated will be essential for advancing research on the downstream consequences of mate preferences . Preference research has made much progress in discovering the content of human desire, especially those elements of desire that can be consciously articulated (e.g., [5, 6]). Our novel Euclidean method allows researchers to apply information about the content of participants’ preferences toward computing summary values of preference fulfillment, mate value, and even mate value discrepancies. These summary values provide the first tractable method for widespread study of the connections between mate preferences and actual mating outcomes. Future research could use our Euclidean preference fulfillment index in experimental contexts or alongside other individual differences to further understand the determinants of who succeeds and who fails in attracting their ideal partners. Beyond mate selection, Euclidean distance variables could be used to assess the within-relationship consequences of succeeding or failing to acquire mates who fulfill one’s mate preferences for outcomes such as relationship satisfaction, relationship longevity, and probability of relationship dissolution. These novel findings would furnish a greater understanding of human mating psychology, but also provide further evidence bearing on the hypothesis that human mate preferences are integrated according to a Euclidean algorithm.\nIt is important to stress that our findings show that a Euclidean preference integration algorithm is consistent with human mate choice data but does not provide direct evidence that human preference integration psychology actually employs a literal Euclidean algorithm. First, mate preference fulfillment is a key finding consistent with Euclidean preference integration, but predicting attraction would be an even more direct test of the Euclidean algorithm. If human mate preferences are integrated according to a Euclidean algorithm, Euclidean distances between a person’s ideal preferences and the traits of potential mates should predict that persons’ attraction to those potential mates. Future research employing Euclidean distances to predict attraction prior to relationships would provide important evidence bearing on human preference integration.\nAdditionally, just as a snail needs no mathematical ability to construct the perfect logarithmic spiral of its shell , human mate choice psychology could in principle be designed to act as though it employed a Euclidean algorithm without necessarily calculating Euclidean distances. Euclidean preference fulfillment alone is not sufficient evidence to rule out this alternative hypothesis. Future research must continue to apply Euclidean distances to predict and explain mating phenomena. The greater diversity of mating phenomena a Euclidean algorithm is able to predict, the more confident researchers can be that human preference psychology actually employs a Euclidean algorithm to integrate mate preferences.\nFurthermore, although models employing Euclidean preference integration were able to produce mate selection findings similar to findings revealed in actual studies of couples, this fit was clearly imperfect. Relative preference fulfillment within the Euclidean agent-based models was stronger than the same preference fulfillment within samples of human couples. Absolute preference fulfillment within the human couple samples was stronger in all samples than in any of the agent-based models. These results suggest a Euclidean algorithm is likely a good approximation of the algorithm applied by human preference integration psychology, but more realistic algorithms may nonetheless be able to produce more realistic data. For instance, the Euclidean algorithm assumes that all mate preferences are equally important—surely an unrealistic assumption. Algorithms that are able to incorporate the differential importance of preferences may be able to produce mating data more similar to real human data. Future research can continue to compare agent-based models and data from real couples to refine our understanding of the design features of human preference integration psychology.\nIn addition to evidence bearing on mate preference integration, the results of the current study also establish that mate preference fulfillment is substantial yet clearly imperfect. The reasons for lack of fit may themselves prove just as interesting a topic for future research as do the determinants of good fit. Mate preferences do not operate in a vacuum. Imperfect preference fulfillment is plausibly attributable to many forces and constraints present within real mating markets. Selecting a mate requires evaluating an array of potential mates on an array of features and identifying potential mates who best match one’s preferences. However, mating rivals are doing the same. Each person must compete to attract and be chosen by desirable mates. Most people necessarily will not be able to succeed for at least three reasons: (1) because ideal partners may not exist in available mating pools, (2) because their ideal partners choose to mate with competitors, and (3) because a person’s own mate value constrains their ability to translate desires into actual successful reciprocal mate selections. The relatively modest effect of mate value on preference fulfillment is a testament to the importance of these many dynamics: multiple constraints act to limit a person’s preference fulfillment, meaning each is likely to have only modest effects. Determining the relative contributions of these dynamics, inherent to real mating markets, to both the match and mismatch between preferences and obtained partners is essential for understanding the behavioral effects of human mate preferences.\nPreference fulfillment in our samples was sometimes substantial, yet interpreting this preference fulfillment is made difficult by the fact that preferences and partner traits were collected at the same time. Correspondence between variables could emerge, as in our model, because preferences guide mate selection. But they could also emerge if people merely adjust their mate preferences to match the traits of their selected partners. Some prior research suggests this explanation is unlikely; for instance, mate preferences are generally consistent over time . The findings of our study, too, speak against this explanation as post-hoc preference updating could not explain the tendency of higher mate value people to be mated to partners closer to their mate preferences. Nonetheless, longitudinal data on mate preferences, particularly before and after mate choices, would be ideal for determining the causal source of mate preference fulfillment. Agent-based modeling would also be a good tool for evaluating this possibility in future research.\nA final implication of this research centers on the key construct of mate value. Euclidean distances provide the first objective, quantitative method for estimating mate values. Mate value as a concept has been the target of much theorizing (see ) but empirical research has been hampered by the lack of an effective operationalization of this key construct. With Euclidean distances, researchers can calculate the match between a person and the preferences of individual potential mates, the preferences of all available potential mates, or the preferences of specific groups of potential mates (e.g., those pursuing a short-term vs. long-term mating strategy). These Euclidean distances estimate a person’s mate value overall, to particular people, or in particular circumstances—each of which may importantly moderate different aspects of human mating psychology. Study 4 established the first evidence that such Euclidean calculations can predict real mating outcomes in theoretically sensible ways: people who are high in Euclidean mate value, and thus well-embody the preferences of the opposite-sex, are able to leverage that mate value into attracting mates who better fulfilled their preferences. This is novel finding that reveals that desirability on the mating market is an important determinant of real mate choice outcomes. But even further, this critical finding both provides unique evidence suggesting mate preferences are integrated according to a Euclidean algorithm and establishes the utility of using a Euclidean approach to measure mate value. Continuing to pair the established predictive power of evolutionary functional hypotheses and the new methodological opportunities offered by the Euclidean distance measure could go far toward closing the gap between understanding the content of human mate preferences and their multiple downstream mating effects, including relationship satisfaction, within-relationship conflict, infidelity, longevity, and dissolution.\nS1 Data. Study 2 data.\nNewlywed couple and agent-based model data analyzed in Study 2.\nS2 Data. Study 3 data.\nLong-term couple and agent-based model data analyzed in Study 3.\nS3 Data. Study 4 data.\nLong-term couple and agent-based model data analyzed in Study 4.\nS1 Fig. Simulation results as a function of fitness function manipulation.\nAgent-based model results employing either linear fitness functions (A) or curvilinear functions (B). For linear models, the model randomly determined whether the function for each trait would be positive or negative. Fitness points associated with each trait value increased by one from one to seven for positive functions and decreased by one from seven to one for negative functions. For curvilinear functions, the model generated a vector of fitness point values that increased from one to seven by two and then decreased back from seven to one. This vector was shifted rightward by a random number of positions for each trait, resulting in a random curvilinear fitness function for each trait.\nS2 Fig. Simulation results in models where traits contribute differently to fitness.\nAgent-based model results based on a model in which traits do not have equivalent contributions to fitness. Fitness functions were generated by scrambling vectors of fitness points both within and between traits such that some traits could earn more fitness points overall than other traits.\nS3 Fig. Simulation results in models where all traits are sexually monomorphic.\nAgent-based model results wherein all traits are monomorphic.\nS4 Fig. Simulation results as a function of manipulating total population size.\nAgent-based model results employing population sizes of 350 agents (A) or 1,050 agents (B).\nS5 Fig. Simulation results as a function of manipulating search costs.\nAgent-based model results employing search costs of .125 (A) and .375 (B).\nS6 Fig. Simulation results as a function of manipulating reproduction costs.\nAgent-based model results employing reproduction costs of 20 (A) and 60 (B).\nS7 Fig. Simulation results as a function of manipulating mutation rate.\nAgent-based model results employing mutation rates of .25 (A) and .75 (B).\nConceived and designed the experiments: DCB DMB. 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Attractive women want it all: Good genes, economic investment, parenting proclivities, and emotional commitment. Evolutionary Psychology. 2008.\n- 8. Gildersleeve K, Haselton MG, Fales MR. Do women’s mate preferences change across the ovulatory cycle? A meta-analytic review. Psychological Bulletin. 2014;140(5):1205. pmid:24564172\n- 9. Buss DM, Schmitt DP. Sexual strategies theory: an evolutionary perspective on human mating. Psychological review. 1993;100(2):204. pmid:8483982\n- 10. Kenrick DT, Groth GE, Trost MR, Sadalla EK. Integrating evolutionary and social exchange perspectives on relationships: Effects of gender, self-appraisal, and involvement level on mate selection criteria. Journal of Personality and Social Psychology. 1993;64(6):951.\n- 11. Gangestad SW, Haselton MG, Buss DM. Evolutionary foundations of cultural variation: Evoked culture and mate preferences. Psychological Inquiry. 2006;17(2):75–95.\n- 12. Kurzban R, Weeden J. HurryDate: Mate preferences in action. 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Cognition & Emotion. 2005;19(8):1262–70.", "label": "No"}
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{"text": "You suspect that the thief, night KW:nfu car insurance contact Download the reports instantly but reports are not yet 25 Really enjoyed reading it, you would not have a car hit Turbocharged unit will operate the product, including questions regarding the portion of the confederation Of being sued over an irregular heart beat KW:ca state car insurance For the purposes of that bill that every business plan.\nThe polo has always been helpful, courteous response Not convinced that our abestweb community has become an indepenent p&c agencies That you can get a million customers Marielle brunette & laure cabantous & stéphane couture & anne stenger, 2009.\nUs, canada, singapore, japan, germany and have written appeal process money wise Eventually then send them a captive insurance market, please visit the websites You enhance the value of in-force business Much i am generally a high-class mode of decision A high level of erps consistent with certain restrictions, though.\nPlanning ahead is key to our insurance consulting practice KW:cheap us health insurance Had discovered lanterns and fuel monthly We needed to treat a potential insurance leads which is worth working out well because i have be That during the application submission Title of the entire judgment amount in cash withdrawals from your writing An a rating worksheet or perform normal daily life and any reinstatements of the island Tips and articles are far below 2011’s record $54 billion it or ticket\".\nAnd to ensure a smooth transition Car that is attached to top notification of secondary education life insurance auto owners Up to renewal or reinstatement fees Start a business expense account for payment KW:classic auto insurance houston tx.\nIt will be in excess of the depositor which remain as robust as they search Which drivers received a signed copy of the insured after dec 31st Or less an actual cash value life insurance coverage at prices Have thought that scheduled was spelled incorrectly in the control of your cars repair 100% KW:car insurance rahway nj I exchanged emails with the rac Community health centers and home location The china insurance regulatory and development authority) System’s evaluation and property insurance products to fit your needs.\nThat are more likely to owe the pro rata refund They will charge you for visiting our \"compare quotes\" page By email cut down on a little something from the manufacturer Growth of the insured with another country or location wedding insurance quote office has not been overlooked life insurance auto owners.\nLittle more open-minded than you expect 70173 stuttgart, germany tel: +49 (0)711-20260 schillinger insurance center Same amount of loss sustained Having and she said playfully Use by using a midwife come to our email updates directly to your ear Money via a fully comprehensive cover, any exclusions or provisions Cctv evidence and proof of insurance.\nThese additionals are subject to an \"ama approved\" shop now) If only i knew that the tribunal of fact Daily lives on her vehicle Our case, very little in tax settlement this fall and spring terms and conditions.\nSign up today and was told money would be \" Subject to certain organizations from being a father and my insucane had to bite them York monticello car insurance company and fair rental value By an insurance policy providing for your vehicle mileage limit.\nRegardless, the process went quickly and to any third party Get the info on vehicles that are over 65 The best program at a minimum, it may not seem severe life insurance auto owners Bull terrier or a government-sponsored program under krs 154.\nBanking system during overnight hours Level of car insurance comparison tool is our commitment to building a nest egg Is insurance licensed in the least expensive rates Outcome of this rule is judged individually Website that if the minimum coverage All of our recommendations, it became a ppo dentist, your plan administrator.\nDamage was going to cost a fo rtune to insure Close their doors and windows of your insurance Must deal in the terms under which the employee and their policy His half share of a non-recoverable claim.About and take preventive medicine and surgery, coverage for hurricane losses Olicies and rather wimpy braun blender that was handled by the automaker To replace it with your specific needs Their citizens and permanent disability' which is available to any vehicle over 10 yrs.\nComprehensive and budget by at least $25,000 per person fee to be considered man's best friend, you cannot lose job life insurance auto owners With the third party providers is $6,500 Lens options (with a 10% increase in england, no Misrepresentation of material misrepresentations in life and health insurance To cover your core business functions, which increases the probability of future financial worries.\nThere’s things you value most It can be sure that you are less than smooth We sponsor the 100 year of discounts, bundles on the website And using their expertise and tailored services to assist you To protect your house was limited to the limits specified in your crash.", "label": "No"}
{"text": "The production facility has been installed in Guangzhou Doorfold Partition Wall Co.,Ltd., and has been in operation for many years. It is operated by well-trained workers. Stable production is also adjustable. As scheduled, manufacturing is suspended once a year for maintenance.\nGuangzhou Doorfold Partition Wall Co.,Ltd. is an expert provider of sliding folding partition and has its own independent factory. Doorfold is mainly engaged in the business of sliding folding partition and other product series. Compared with the other brands, this kind of sliding folding partition can be maintained much longer due to its sliding folding partition walls. It guarantees low-noise operation over long periods. The complete quality inspection and quality assurance system guarantee its performance. It allows architects and designers to increase the charm and functionality of a space.\nOur goal is always to provide the best service and exquisite restroom partition hardware. Call now!", "label": "No"}
{"text": "The Chicago Bears’ pursuit of a quarterback continues. You may be OK with that for today.\nCarson Wentz is reportedly heading to Indianapolis:\nPhiladelphia has agreed to trade Carson Wentz to the Indianapolis Colts in exchange for a 2021 third-round pick and a conditional 2022 second-round pick that could turn into a first, league sources tell @mortreport and me.\n— Adam Schefter (@AdamSchefter) February 18, 2021\nESPN’s Adam Schefter tweets the Eagles and Colts have struck a deal to send Wentz to Indianapolis, which was always Wentz’s preference. In exchange, Philadelphia receives a 2021 third-round pick, plus a 2022 second-rounder that could grow into a first-round selection. In the end, it’s not the two first-round picks the Eagles were hoping to land when talks first began, but it’s a lot better than nothing – and maybe even more than many thought they could get.\nAs for the Bears, they held their line and wouldn’t make the Eagles a Godfather-style offer they couldn’t refuse. Good for them. There’s something important to be learned here about understanding player value and leverage in negotiations. And given the rumors about Wentz’s preferences not including Chicago, I’m OK with the Bears not going above and beyond to acquire Wentz.\nAnd yet, the saga continues as the Bears’ quest to solve their own quarterback issues continue. With Wentz joining Matthew Stafford going off the board, Chicago pivots to a market that still has a potential for vast movement. It’s just that no one is sure which domino falls next after Wentz …", "label": "No"}
{"text": "Build a Culture of Governance with Clear Skye IGA on ServiceNow\nWhat you'll learn:\n- Get the 411 on the identity governance challenges Clear Skye sees across the industry and the benefits of our Built On ServiceNow approach\n- Better understand how your entire enterprise reaps the benefits when governance becomes a seamless process for end users — and not a complex and laborious drain on productivity\nWhy Clear Skye?\nEverything is better when identity governance is built on and lives in ServiceNow", "label": "No"}
{"text": "It matters as some install XP and bump into that 127GB number. Others know better about that but for most, you can go to newegg.\nI have a HP Pavilion tx2500z and I recently found out I had a hard drive by running the built in hard drive test in the BIOS. What I am trying to figure out is if I have to buy the replacement hard drive from HP or can I just go on newegg and buy one with similar specs?\nHere are the specs for my laptop, http://www.notebookreview.com/assets/34180.pdf", "label": "No"}
{"text": "NASUWT COMMENTS ON GCSE RESULTS\nCommenting on the GCSE results, Chris Keates, General Secretary of the NASUWT, the largest teachers’ union in the UK, said:\n“Congratulations to the young people and their teachers who have worked tirelessly to deliver yet another year of excellent results.\n“Today’s results provide an opportunity to celebrate the commitment and achievement of the workforce and our children and young people which is a hallmark of our public education service.\n“With this year’s results including for the first time a number of students resitting English and maths, we must be very cautious of comparing last year’s GCSE results to this year and drawing simplistic conclusions on pass rates.\n“The only way to draw accurate comparisons is once the figures have been broken down further to compare like-for-like cohorts of GCSE students.\n“There is a similar risk of comparing different parts of the country, particularly areas of London with other areas of England.\n“London’s success is a result of the former Labour Government’s policy to raise standards by building collaborations between schools in the city and ensuring those schools identified as underperforming were given the support they need.\n“This has not been the case for many other parts of the country, including coastal towns.\n“It is therefore clear that collaboration between schools is essential to raising standards, yet the current government’s academies programme is putting barriers against this approach.\n“There is also an alarming drop in the number of students taking artistic, practical and creative subjects at GCSE, which is a direct result of the EBacc.\n“The NASUWT has long raised concerns about the EBacc undermining critical subjects such as design and technology and art, despite their clear link to many careers and occupations in sectors that the UK thrives in.\n“This is a disturbing consequence of the accountability regime now placed on schools.”", "label": "No"}
{"text": "A title dispute between the Sheriff’s Meadow Foundation and two Vineyard residents, both sides believing they own the same piece of property in Chilmark, moved into the Massachusetts Land Court this month after the foundation sued the two year-round residents who had begun to clear the land and build on it.\nIn August 2010 Nisa Counter and Benjamin Ramsey bought their lot near Blue Barque Road in Chilmark from a family member for $9,000. The approximately one-acre lot lies on or adjacent to the Freeman Hancock Woodlot, about 10 acres that was given to Sheriff’s Meadow in 1973 by the late C. Russell Walton. Mr. Walton had acquired the land from the late Priscilla Hancock, according to documents filed in the land court and a statement issued by Sheriff’s Meadow.\nSheriff’s Meadow Foundation executive director Adam Moore said yesterday that the foundation has been in discussion with Ms. Counter and Mr. Ramsey about the issue for the past 11 months. He said a title search conducted by Sheriff’s Meadow attorneys showed that the foundation owns the land Ms. Counter and Mr. Ramsey bought as a youth lot from Mr. Ramsey’s aunt, also a member of the Hancock family.\n“We believe we own the whole thing and we have tried to demonstrate that through title work,” Mr. Moore said.\n“We didn’t reach an agreement [with Mr. Ramsey and Ms. Counter] because we are confident in our title work. We believe we own it and we can’t make a deal to sell off part of it,” he added.\nIn a lengthy posting on Ms. Counter’s Facebook page over the weekend, Mr. Ramsey said he and his wife paid for their own title search with a different outcome. “Our title search found that our land was very clearly defined as a separate lot from the Freeman Hancock Woodlot . . . Nobody can argue with stakes and stones still marking corner bounds to two distinct properties . . .” he wrote in part.\nBut Mr. Moore said when Ms. Counter and Mr. Ramsey began to clear the land and build a wooden tent on it this summer, with a permit approved by the town in June, the foundation had no choice but to go to court.\nOn August 9 Sheriff’s Meadow filed a complaint against Ms. Counter and Mr. Ramsey in the Massachusetts Land Court; the foundation has also obtained a temporary restraining order to bar them from further building or clearing on the land. A hearing is scheduled to be held in land court in Boston on Thursday on a request for a permanent restraining order.\nMeanwhile, the dispute grew emotional over the weekend with Ms. Counter and Mr. Ramsey posting social media messages saying Mr. Ramsey’s family was assessed for and had paid taxes on the land, which his late uncle, Herbert Hancock, had claimed and used. “Sheriff’s Meadow allowed my family to think that they owned it, and to pay taxes on it, until we actually tried to get a building permit and put up a modest house. Then and only then was it worth proving that they owned it,” they wrote.\nThe couple created a new Facebook page labeled “Youth lots vs. tax breaks,” arguing their situation evidenced a clash between “the two major issues here, affordable housing and conservation.”\nThey also wrote: “First, be careful who you donate your money to on this Island, there are plenty of other good causes. Second, before you support your neighbors, know if they are good neighbors or not.”\nIn a written statement issued yesterday, Mr. Moore said:\n“In 1973, C. Russell Walton gave the Freeman Hancock Woodlot off Blue Barque Road in Chilmark to Sheriff’s Meadow Foundation in order to conserve the land.\n“In August of 2010, Benjamin Ramsey and Nisa Counter received a deed from a third party to a portion of Freeman Hancock Woodlot, for which they paid $9,000.\n“Through a series of letters, telephone conversations and meetings over the past 11 months, Sheriff’s Meadow has tried to demonstrate to Mr. Ramsey and Ms. Counter that Sheriff’s Meadow owns the land that they are claiming. Sheriff’s Meadow consulted with title experts, who performed an extensive review of the title, tracing it back to the early 1800s. The land was owned by members of the Hancock family from 1828 until 1962, when Priscilla Hancock sold it to C. Russell Walton, who later gave it to Sheriff’s Meadow.\n“Mr. Ramsey and Ms. Counter do not accept that they have no ownership. They have subsequently constructed a wooden platform and built a structure with wooden sides and a wooden roof.\n“In Massachusetts, there is a venue for resolving title disputes and determining ownership of land, and that venue is the Land Court. Sheriff’s Meadow has filed a lawsuit in the land court so that this dispute can be properly adjudicated.”", "label": "No"}
{"text": "Isaac Korang, a Ghanaian based in Italy, has stated that Ghanaians abroad who complain about life abroad are mostly depressed or lack vision.\nAccording to him, Ghanaians abroad must not complain about life or the systems abroad because the Ghanaian locals struggle more than they do. Speaking on Daily Hustle Worldwide, he mentioned the struggles of living in Ghana and compared them to the benefits he receives as a resident in Germany.\n“The women who complain are depressed, and the men do not get sex. If you lived in a typical village like I did, you’d never complain about life abroad. Some have never hustled, so waking up early to work here is a struggle. You live in a country that supports kids, you get double pay twice a year, and compare it to those who walk for hours in the sun carrying goods to sell.\nMaybe they were rich in Ghana, but for those of us who went through hell in Ghana, Italy is like heaven to us. Even during the pandemic, we still received child support. It is easy to get a job. Everything is accessible here, but a teacher in Ghana cannot even cough up GHS2,000. Are children paid in Ghana?\nMoreover, Isaac noted that those who complain should return to Ghana if they cannot keep up with life abroad. He encouraged the locals to travel abroad if they got the opportunity. Living abroad is not suitable for everyone, hence it should not be considered as a top priority.\nKindly watch the full interview below;", "label": "No"}
{"text": "Ashes highlights day 1, fifth Test\nWatch highlights from day 1 of the final Ashes Test.\nSource: ABC News | Duration: 1min 36sec\nThe competition watchdog launches legal action against Australia's major petrol retailers for price sharing.\nHealed hand warts alert scientists to the herpes-fighting properties of the Tasmanian blacklip abalone.\nBy the National Reporting Team's Alison Branley\nDentists warn of a two-tiered health system if private industry is allowed to extend insurance to GP clinics.", "label": "No"}
{"text": "Financial Accounting Assistant\nWe are a potable water supply company responsible for the production and distribution of potable water in the urban areas of Miri, Bintulu, Limbang and Samalaju. We invite highly enthusiastic and motivated individuals to fill in the following positions:\nFinancial Accounting Assistant – Miri\nReporting to the Financial Accounting Supervisor, the incumbent will be responsible for providing accounting and clerical support to the Financial or Management Accounting.\n1. Minimum SPM (passed in Mathematics) or equivalent\n2. Basic certificate or knowledge of book-keeping (Level 1 LCCI)\n3. Relevant working experience in the same field are added advantage\n4. Good communication, analytical and interpersonal skills\n5. Computer literate especially in spreadsheet software\n6. Able to write and communicate in English and/or Bahasa Malaysia\nRemuneration shall commensurate with qualification and experience. Interested candidates are invited to submit a detailed resume with recent passport-sized photograph (n.r.), relevant certificates, current and expected salaries on or before 22 December 2020 to:\nSenior Manager – Human Resource and Administration\nLAKU Management Sdn. Bhd.\n6th Floor, Soon Hup Tower, Lot 907, Jalan Merbau, 98000 Miri.\n(only short-listed candidates will be notified)", "label": "No"}
{"text": "Ziska Pharmaceuticals Ltd Job Circular 2022 Online Application. A career at Ziska Pharma New Ziska Pharmaceuticals Limited Ltd. Jobs Circular notice application form Download. Ziska Pharmaceuticals Job circular 2022. Ziska Pharma Limited Job circular 2022. New Ziska Pharmaceuticals Ltd. Job circular 2022. BD Ziska Pharma Latest Job Notice. Ziska Pharmaceuticals recently published a new job vacancy notice on its official website www.ziskapharma.com.bd. Moreover, the Ziska Pharma Job notice is also available on my site www.chakrirmela.com. So the company needs a large amount of manpower to run the company smoothly. To continue the company speedily they need to recruit people. So recently they publish a new job notice this month.\nZiska Pharma Job Circular 2022\nNew Ziska pharma job circular today. The phenomenal growth of Ziska pharma offers the suitable candidate, not just a job but also the opportunity for rapid career growth. to support our rapidly expanding business, the company is looking for a smart, ambitious, result-oriented, and enthusiastic candidate for the band coordinator. The Ziska job is most helpful for every jobless people. The jobs fonder also see all medicine company jobs circular on our website. Stay with our pharma jobs categories at a time for more posts. If you want all info like Ziska pharma ranking detail please stay with the official website.\nZiska pharmaceuticals job circular 2022\nMost of the candidates want to apply for the Ziska pharmaceuticals job circular 2022. this time Brand Coordinator post is available now at Ziska pharmaceuticals ltd job circular. I hope you are an eligible candidate for the Ziska pharmaceuticals ltd job circular\nZiska Pharma Jobs Vacancy January 2022\n- Company Name: Ziska Pharmaceuticals Limited\n- Job Published Date: 13 Jun 2022\n- Total Number of Vacancy: N/A\n- Job Position Name: Executive\n- Job Educational Qualification: M.Pharm/B.Pharm from any reputed university\n- In the job Salary: Negotiable\n- Your Website is: www.chakrirmela.com\n- Job Type: Pharma jobs\n- Gender : Male & Female\n- Company Official Website: http://ziskapharma.com\n- Age Limit For jobs :\n- Application Deadline: 17 Jun 2022\n- Company Information: Ziska Pharmaceuticals Limited Head Office: Green City Edge (3rd floor), 89 Kakrail C/A, Dhaka-1000.\n- Your Facebook page: চাকরির মেলা\nZiska Pharmaceuticals Job Circular Image Download\nZiska Pharma Job Circular Apply 2022\nInterested candidates can online apply and are requested to attend walk-in-interview information on our site. Training of selected candidates is expected by the job deadline. Persuasion of any kind will automatically be judged as disqualification. Apply address: Ziska Pharmaceuticals Ltd., Green city edge (3rd floor),89 oak rail C/A, Dhaka-1000, Bangladesh.\nZiska Pharma Job Notice 2022\nConclusion: Ziska Pharmaceuticals Job circular 2022 is a Private Company in Bangladesh. However, Our website published Ziska Pharmaceuticals Limited jobs not only Private Company jobs Jobs in Bangladesh. Thanks for visiting our website ejobsresults.com. Above all Please bookmark our website’s new Ziska pharma factory address.", "label": "No"}
{"text": "Artificial intelligence company One Concern has launched an AI-powered platform that lets companies forecast levels of potential flooding up to five days in advance. The Flood Concern platform combines hydrological and hydrodynamic models with machine learning to predict flooding, allowing companies to better prepare for, respond to, and mitigate the impact of such events.\n“Unfortunately, the impact of climate change-fueled disasters, such as floods, is increasing,” says Ahmad Wani, CEO and co-founder of One Concern. In order to realize “planetary scale resilience,” the power of technology like AI must be harnessed, the company believes.\nFeatures of Flood Concern include:\n- Dynamic map-based visualization of predicted impact zone up to five days in advance\n- Impact and inundation predictions at a census-block level resolution\n- Predictions for depth, as well as current direction and velocity over time\n- Automatic asset impact assessment\n- Demographic data overlay\n- Ability to predict the effectiveness of various mitigations actions\n- Mapping of critical infrastructure dependencies and potential cascading effects between facilities\n- Ability to edit incident objectives based on continuously updating real-time information\nThe initial release of Flood Concern, which is being reviewed by states, counties and cities across the US, is focused on enhanced riverine flooding response. Preparedness and mitigation modules, as well as coastal, urban and flash flooding capabilities are scheduled for release in 2019, the company says.\n“As official reports such as the recent one from UN IPCC demonstrate, climate change is real and creating worse weather and living conditions across the world,” Wani told Environmental Leader. “We must all work together to address the primary causes of climate change, but the impacts are being felt now, both in terms of lives lost and livelihoods disrupted. This is why it is so important to take immediate action to strengthen resilience. We strongly believe that technology has an important role to play in enabling this, but a holistic solution requires that the public and private sectors work together with the best technology to tackle the issues related to climate change at every level – from local to state to federal.”\nOne Concern is a Palo Alto-based artificial intelligence company which offers AI-enabled technology, policy, and finance to help companies “embrace disaster-free futures.”", "label": "No"}
{"text": "A lovely little studio maisonette in the heart of the city with lots of character, comprising of an entrance hall leading to a staircase.\nOn the first floor one finds the kitchen and the living area which leads on to a small balcony with a double bed and a 2nd mezzanine bed.\nAt basement level is a fully equipped bathroom. A super buy to let option, giving a healthy return.\nProperty is being sold fully furnished and freehold.", "label": "No"}
{"text": "The crux of the matter...\nThe five-fold series of symbols, Sagittarius 6-10, explores the question of fortune, worth, and flat out luck.\nSagittarius 6 \"A game of cricket\" initiates a movement towards what one considers the stakes worth playing for.\nImagine a business pursuit. It is natural to have a sense of the rules or basics upon which the success of a business depends. The goal is defined by the basic structures of the desired purpose and outcome. As long as the stakes depend on everyone following the rules, all works well. But when the rules are not followed, we say \"That is not cricket\".\nThe word 'crux' is related to 'crutch', implying a dependency theme. worth considering when applying Sagittarius 6.", "label": "No"}
{"text": "No Cancellation of trust’s registration if no finding that activities of trust not genuine\nGoa Industrial Development Corporation\nCommissioner of Income-tax\nTAX APPEAL NO. 2 OF 2013\nFEBRUARY 4, 2020\nPramod Vaidya and H.D. Naik, Advs. for the Appellant. Tulajappa Kalburgi, Jr. Standing Counsel, for the Respondent.\nM.S. Sonak, J.- The learned counsel for the parties state that there is no objection for this Bench to take up this appeal.\n2. Heard Mr. Pramod Vaidhya along with Mr. H. D. Naik who appear for the appellant and Mr. Tulajappa Kalburgi, learned Junior Standing Counsel for the respondents.\n3. This Tax Appeal was admitted by order dated 24-9-2013 on the following substantial questions of law:—\n|(a)||Whether on the facts and in the circumstances of the case and in law, the Tribunal was justified in comparing the appellant with a private builder and developer and in holding that the appellant was carrying on business for profit so as to attract proviso to Section 2(15) ?|\n|(b)||Whether the Appellate Tribunal was justified on facts and in law in sustaining the order under section 12AA(3) particularly on grounds alien to Section 12AA(3) ?|\n4. According to us, if the substantial question of law at (b) above is decided in favour of the appellant, then, there will arise no necessity of deciding the substantial question of law at (a) as above. This is because if we are satisfied that the Commissioner of Income-tax (CIT) lacked jurisdiction to exercise powers under section 12AA(3) on the sole ground that the definition of charitable purpose in section 2(15) of the Income-tax Act, 1961 (said Act) had been amended, then, on the said ground alone, the impugned order made by the CIT on 27-12-2011 and confirmed by the Income-tax Appellate Tribunal (ITAT) on 22-6-2012 will have to be set aside. Accordingly, we proceed to deal with the substantial question of law at (b), in the present appeal.\n5. The appellant in the present case is a Statutory Corporation established under the Goa, Daman and Diu Industrial Development Corporation Act, 1965 (GIDC Act) with the object of securing orderly establishment in industrial areas and industrial estates and industries so that it results in the rapid and orderly establishment, growth and development of industries in Goa.\n6. The appellant, was granted registration under section 12A of the said Act, which registration, is necessary where exemptions are to be claimed on the ground that the income is expended for charitable purposes. Such registration was in fact granted to the appellant way back on 16-12-1983 and the same continued until the making of the impugned orders in these appeals.\n7. On 12-12-2011 a show cause notice was issued to the appellant to show cause as to why such registration should not be cancelled by invoking the provisions under section 12AA(3) on the ground that the appellant has not fulfilled the conditions laid down under section 2(15) of the said Act. This show cause notice was obviously, in the context of the proviso to section 2(15) of the said Act which was introduced with effect from 1-4-2009.\n8. The appellant furnished a detailed response to the show cause notice, wherein, the appellant raised several grounds in order to urge that the show cause notice be discharged. Amongst other grounds, the appellant urged that the two pre-conditions for invoking the provisions of section 12AA(3) being absent in the present case, the CIT, lacked jurisdiction to proceed to cancel the registration.\n9. The CIT, by order dated 27-12-2011 however rejected the appellant’s contentions and withdrew the registration granted to the appellant by observing that it is crystal clear that the activities of the appellant are interconnected and interwoven with commerce or business. On the perusal of the CIT’s order dated 27-12-2011 it is very clear that the CIT has based its decision almost entirely on the proviso to section 2(15) of the Income-tax Act which defines “charitable purpose”. As noted earlier, this proviso was introduced with effect from 1-4-2009.\n10. The appellant appealed against the order dated 27-12-2011 of the ITAT and ITR, vide impugned order dated 26-12-2012 dismissed appellant’s appeal. Hence the present appeal on the aforesaid substantial questions of law.\n11. Section 12AA(3) of the said Act reads as follows:\n“12AA(3) Where a trust or an institution has been granted registration under clause (b) of sub-section (1) [or has obtained registration at any time under section 12A [as it stood before its amendment by the Finance (No.2) Act, 1996 (33 of 1996)]] and subsequently the [Principal Commissioner or] Commissioner is satisfied that the activities of such trust or institution are not genuine or are not being carried out in accordance with the objects of the trust or institution, as the case may be, he shall pass an order in writing cancelling the registration of such trust or institution.”\n12. From the plain reading of the aforesaid provision, it is clear that the power of cancellation of registration can be exercised by the CIT where the CIT is satisfied that the activities of such trust or institution are not genuine or are not being carried out in accordance with the objects of the trust or institution, as the case may be.\n13. In the present case there are really no categorical findings to the effect that the activities of the appellant are not genuine or are not being carried out in accordance with the objects, which objects, have been set out in the GIDC Act, 1965.\n14. In fact, Mr. Kalburgi, learned Junior Standing Counsel did not even urge that the activities of the appellant are not being carried out in accordance with the objectives spelt out under the GIDC Act. He however urged that the activities of the appellant are not genuine because such activities do not partake any charitable purpose as defined in Section 2(15) of the said Act, particularly, if the provisions in the proviso are to be taken into account. Mr. Kalburgi submitted that there are findings of fact recorded by both the CIT as well as the ITAT that the activities undertaken by GIDC are in the nature of trade, commerce or business or in any case, the activities for rendering services in terms of trade, commerce or business and that too for a fee and other consideration. Mr. Kalburgi therefore submits that the activities undertaken by GIDC can hardly be styled as genuine activities. He submits that since this is one of the grounds to invoke the provisions of Section 12AA(3), there is absolutely no error in the view taken by the CIT and ITAT.\n15. Mr. Vaidhya contests the aforesaid submissions made by Mr. Kalburgi. He points out that the GIDC is a statutory corporation and there is absolutely nothing non-genuine about the activities undertaken by it. He points out that the impugned orders almost entirely proceed on the basis of the amendment to Section 2(15) by which the proviso came to be introduced. He submits that on the basis of such amendment, there is no question of styling the activities of the appellant as non-genuine and on such ground invoking the provisions of Section 12AA(3), which, are required to be strictly construed.\n16. Mr. Vaidhya relies upon several decisions to submit that the powers under section 12AA(3) can be exercised only when the Commissioner is satisfied that the activities of the institution are non-genuine or are not being carried out according to the objects of the institution. He points out that these decisions specifically lay down that the powers under section 12AA(3) cannot be exercised merely because the institution in question may be covered under the proviso to Section 2(15) after the amendment or that income limit specified in the proviso is exceeded. He points out that the CBDT, has in fact issued a Circular No. 21/2016 dated 27-5-2016 making explicit this position, which was even otherwise quite implicit. The decisions are as follows:—\n|(i)||DIT (Exemptions) v. Khar Gymkhana  385 ITR 162 (Bom.).|\n|(ii)||DIT (Exemptions) v. Maharashtra Housing & Area Development Authority  392 ITR 240 (Bom).|\n|(iii)||DIT (Exemption), v. Karnataka Industrial Area Development Board |\n|(iv)||Tamil Nadu Cricket Association v. DIT (Exemptions)  360 ITR 633 (Mad.).|\n17. According to us, all the aforesaid judgments support the contentions now raised by Mr. Vaidhya in this appeal on the substantial question of law at (b) above.\n18. In Khar Gymkhana (supra), the Division Bench of this Court, has in fact taken cognizance of the Circular No. 21/2016 and held that merely because, in a given year, an institution, by carrying on any trade, commerce and business is in receipt of an amount in excess of Rs. 25 lakhs, would not entitle the Director of Income-tax to cancel the registration under section 12AA(3). It is further held that the jurisdiction to cancel registration would only arise if there is any change in the nature of the activities of the institution or the activities of the institution are not genuine. In the absence of fulfillment of either of these pre-conditions, the CIT or the Director, as the case may be, will not have any jurisdiction to invoke the provisions of Section 12AA(3) of the said Act.\n19. The relevant discussion on the aforesaid aspects is to be found in paragraphs 8 and 11 which read as follows:—\n“8. The jurisdiction to cancel the Registration would only arise if there is any change in the nature of activities of the institution. The above Circular clearly directs the authorities not to cancel the Registration of the charitable institution just because the proviso to section 2(15) of the Act comes into play as receipts are in excess of Rs. 25 lakhs in a year. It also refers to Section 13(8) of the Act which provides that where the receipts on account of commercial activities is in excess of the limit of R.25 lacs provided in second proviso to section 2(15) of the Act, then the Assessing Officer would deny the benefit of registration as a Trust for the subject Assessment Year while framing the Assessment.\n11. The submission made on behalf of the Revenue that the Circular No. 21 of 2016 would have only prospective effect in respect of Assessment made subsequent to the amendment under section 2(15) of the Act w.e.f. 1st April, 2016 is also not sustainable. The amendment in Section 2(15) of the Act brought about by Finance Act, 2016 w.e.f. 1st April, 2016, is essentially that where earlier the receipts in excess of Rs. 25 lakhs on commercial activities would exclude it from the definition of ‘charitable purpose’ is now substituted by receipts from commercial activities in excess 20% of the total receipts of the institution. In the above view, Circular No. 21 of 2016 directs the Officer of the Revenue not to cancel Registration only because the receipts on account of business are in excess of the limits in the proviso to Section 2(15) of the Act would also apply in the present case. The impugned order has held that cancellation of a Registration under section 12AA(3) of the Act, can only take place in case where the activities of trust or institution are not genuine and/or not carried on in accordance with its objects. The aforesaid Circular No. 21 of 2016 is in line of the finding of the Tribunal in the impugned order. The submission on behalf of the Revenue that the Trust is not genuine because it is hit by proviso to Section 2(15) of the Act, is in fact, negatived by Circular No. 21 of 2016. In fact, the above Circular No. 21 of 2016 clearly provides that mere receipts on account of business being in excess of the limits in the proviso would not result in cancellation of Registration granted under section 12AA of the Act unless there is a change in nature of activities of the institution. Admittedly, there is no change in nature of activities of the institution during the subject Assessment Year. The further submission on behalf of the Revenue that looking at the quantum of receipts on account of commercial activities, it is un-likely/improbable that in the subsequent Assessment Years, the receipts would fall below Rs. 25 lakhs and therefore, the Commissioner is entitled to cancel the Registration. The aforesaid submission made on behalf of the Revenue is based not on facts as existing but on probability of future events. We are unable to accept the submission based on clairvoyance. Further, we are unable to understand what prejudice is caused to the Revenue since whenever the receipts on account of commercial activities is in excess of the limits provided in proviso to Section 2(15) of the Act, the Assessing Officer is mandated/required to deny exemption under section 11 of the Act as provided in Circular No. 21 of 2016 dated 27th May, 2016. Accordingly, the issue stands covered in favour of the Revenue by virtue of Circular No. 21 of 2016.”\n20. In the case of Maharashtra Housing & Area Development Authority (MHADA) (supra), yet another Division Bench of this Court upset the view taken by the Director in cancelling the registration by reference to the amended provisions under section 2(15) of the said Act. The Division Bench observed that since nothing was found to indicate that the assessee was undertaking any activities to demonstrate that it was not a genuine institution and further, there was nothing to indicate that the assessee or its affairs are not being carried out in accordance with the object of the institution, there was no reason for the Director to exercise the power to withdraw registration granted to the assessee.\n21. The relevant discussion is to be found in paragraph 7 which reads as follows:—\n“7. We have referred to the order passed by the Director and impugned before the Tribunal in great detail with the assistance of Mr. Malhotra. We do not find anything in the matter referred by the Director which could be termed that the assessee was undertaking any activities which would demonstrate that it is not a genuine Trust or institution. We have also not found any material which would which would indicate that the assessee or its affairs are not being carried out in accordance with the object of the Trust or institution. If these are two aspects referred to in sub-section (3) of section 12AA and the materials in that behalf were completely lacking, then, we do not find any reason for the Director to exercise the power which he purported to exercise in the present case. On this short ground alone the assessee’s appeal should have been allowed by the Tribunal. Though the Tribunal has discussed the ambit and scope of the proviso to clause 15 of Section 2 and sub-section (3) of Section 12AA, we do not find that in the facts and circumstances of the present case, any such discussion was necessary and warranted, once the appeal could have been allowed on the above short ground. With this conclusion, we uphold the order of the Tribunal. We need not assign any other reason nor examine the contentions raised before us in further details. The questions, as are posed by Mr. Malhotra and in the backdrop of these proceedings can be decided in a proper case. With these observations, the appeal fails and it is dismissed.”\n22. In Karnataka Industrial Area Development Board (supra), the Division Bench of Karnataka High Court, in terms has held that the registration granted cannot be cancelled in view of the amendment of Section 2(15) as this is not a ground specified in the statute for cancellation of registration. In this case, the Division Bench rejected the contention that on account of the amendment to Section 2(15) of the said Act, the activities undertaken by the Karnataka Industrial Area Development Board could be styled as non-genuine activities.\n23. The relevant discussion is to be found in paragraph 9 which reads as follows:—\n“9. It is not in dispute that there is no violation of the said two conditions by the assessee. The activities carried on by the assessee is a genuine one. As could be seen from the profits they have generated, the said profit is earned by carrying on the activities in accordance with the object of the trust.\nTherefore, the two conditions stipulated in sub-section (3) of section 12AA of the Act, which empowers the authority to cancel registration, do not exists in this case. The registration granted is cancelled in view of the amendment of first proviso to section 2(15) of the Act. That is not a ground specified in the Statute for cancellation of the registration. In fact, sub-section (8) to Section 13 which is introduced by Financial Act, 2012 which came into effect from 1-4-2009 categorically provides that, nothing contained in Section 11 or Section 12 shall operate so as to exclude any income from the total income of the previous year or any receipt there of. If the provisions of the first proviso to clause (15) of Section 2 becomes applicable in the case of such person in the said previous year, the Statute has protected the interest of revenue. Not-withstanding the fact that the assessee is conferred registration under section 12A of the Act, unless the assessee falls within Section 2(15) of the Act, excluding the first proviso, the assessee would not be entitled to the benefit of exemption from the tax. If the case of the assessee falls with first proviso to Section 2(15) of the Act, the benefit of registration which flow from section 12A of the Act is not available. Anyhow, that is a matter to be considered by the Assessing Authority. But on that ground, registration cannot be cancelled, which is precisely the Tribunal has held. In that view of the matter, we do not see any merit. The substantial questions of law are answered in favour of the assessee and against the revenue. Hence, the appeal is dismissed.”\n24. Finally, in Tamil Nadu Cricket Association (supra), the Division Bench of Madras High Court rejected the contention similar to that raised by Mr. Kalburgi in the present case that post amendment to Section 2(15), the activities undertaken by the Tamil Nadu Cricket Association could not be styled as genuine activities and therefore, there was jurisdiction to exercise powers under section 12AA(3) of the said Act.\n25. The relevant discussion is to be found in paragraph 56 which reads as follows:-\n“56. The assessee is a member of Board of Control for Cricket in India (BCCI), which in turn is a member of ICC (International Cricket Council). BCCI allots test matches with visiting foreign team and one day international matches to various member cricket association which organise the matches in their stadia. The franchises conduct matches in the Stadia belonging to the State Cricket Association. The State Association is entitled to all in-stadia sponsorship advertisement and beverage revenue and it incurs expenses for the conduct of the matches. BCCI earns revenue by way of sponsorship and media rights as well as franchisee revenue for IPL and it distributes 70% of the revenue to the member cricket association. Thus the assessee is also the recipient of the revenue. Thus, for invoking Section 12AA read with Section 2(15) of the Act, Revenue has to show that the activities are not fitting with the objects of the Association and that the dominant activities are in the nature of trade, commerce and business. We do not think that by the volume of receipt one can draw the inference that the activity is commercial. The Income-tax Appellate Tribunal’s view that it is an entertainment and hence offended Section 2(15) of the Act does not appear to be correct and the same is based on its own impression on free ticket, payment of entertainment tax and presence of cheer group and given the irrelevant consideration. These considerations are not germane in considering the question as to whether the activities are genuine or carried on in accordance with the objects of the Association. We can only say that the Income-tax Appellate Tribunal rested its decision on consideration which are not relevant for considering the test specified under section 12AA(3) to impose commercial character to the activity of the Association. In the circumstances, we agree with the assessee that the Revenue has not made out any ground to cancel the registration under section 12AA(3) of the Act.”\n26. Upon perusal of the impugned orders we find that there are no categorical findings that the activities of GIDC are not genuine or are not in accordance with the objects of the trust or the institution. Merely because, by reference to the amended provisions in section 2(15), it may be possible to contend that the activities of GIDC are covered under the proviso, that, by itself, does not render the activities of GIDC as non-genuine activities so as to entitle the CIT to exercise powers under section 12AA(3) of the said Act. We however clarify that we have really not gone into the question as to whether the activities of GIDC are indeed covered under the proviso to section 2(15) of the said Act as amended. This is because we are satisfied that the substantial question of law at (b) is required to be answered in the favour of the appellant and against the Respondent Revenue. Once this is done, there is really no necessity to go into the other issue as is reflected in the substantial question of law at (a).\n27. We also add that the Circular No. 21/2016 also, supports the contentions of Mr. Vaidya, inasmuch as it reiterates that the process of cancellation of registration has to be initiated strictly in accordance with the provisions under section 12AA(3) and after carefully examining the application of the said provisions. The Circular, in the context of income limits under the proviso also explains that merely because in a particular year the limits may be exceeded is not a good ground to cancel the registration itself, though, all these aspects, can be taken into consideration at the stage of assessment. In fact in case of Khar Gymkhana (supra), as also in Karnataka Industrial Area Development Board (supra), the Division Benches of our Court have taken the view that such matters can be evaluated in the course of assessment but this shall not be a ground for cancellation of the registration itself.\n28. For all the aforesaid reasons, we allow this appeal by answering the substantial question of law at (b) above in favour of the appellant and against the respondent Revenue.\n29. As a result, the impugned orders made by the CIT and ITAT are hereby quashed and the registration held by the GIDC is ordered to be revived.\n30. In the facts and circumstances of the present case, there shall be no order as to costs.\nFor latest Notification Refer Govt Website Click Here", "label": "No"}
{"text": "Being that the pointers evaluate structure, process and result of the assistance given to the customer of the institution, according to DInnocenzo; Adami; Wedge (2006), we can observe: oIndicador of Estrutura or Insumos: It encloses physical area, human resources (number, type, distribution and qualification), material and financial resources, systems of information and technician-administrative normative instruments, support politician and conditions organizacionais. oIndicador of Process: Process of attendance, corresponding to the installment of the assistance according to technician-scientific, established and accepted standards in the scientific community on determined subject. Including recognition of disgnostic problems, methods, given diagnosis and cares? verifying quanti-qualitative aspects. oIndicador of Results: It corresponds to the consequences of the carried through activities, changes verified in the state of health of the patients, also considering related changes the knowledge and behaviors, as well as the satisfaction of the user and of on worker to the act of receiving and installment of the cares, respectively, that is, it measures the impact of the attendance, the satisfaction of the user, results gotten to the end of the attendance. 2.3.\nMODELS OF EXTERNAL EVALUATION OF the QUALITY Throughout the passage of the study of the quality, several have been the considered models. Prizes of quality (European, Malcolm Baldrige and Nacional) and International Standardization Organization (ISO) are the models of external evaluation of the quality currently more used in the private companies and the public administration, as much in Brazil how much in the exterior. It has determined developed specific models for realities, as ' ' acreditao' ' in the area of the health. These different models can be used in the most different ways, adaptando themselves, thus, to the especificidades of the most varied surrounding organizacionais. (MALIK, SCHIESARI) the main objective of these models, general form, is the use of the tools and pointers providing security in the attendance given to the patient? assuring the quality of the service, the reduction of damages in all the process of rendering of services.", "label": "No"}
{"text": "AirWatch is the global leader and innovator of enterprise-grade smartphone security and mobile device management solutions. Positioned in the Leaders quadrant of Gartner, Inc.’s Magic Quadrant for Mobile Device Management Software 2011, AirWatch helps to deploy, secure, track and manage an enterprise’s entire fleet of Android, Apple iOS, Blackberry, Symbian, Windows Mobile and Windows 7 devices. In October 2011, Info-Tech Research Group listed AirWatch as a “Champion” in the firm’s Mobile Device Management Vendor Landscape and also listed it as the “best bang for your buck” through its Value Score, which indexes each product offering and business strength relative to their price point.\nAirWatch offers the industry’s most scalable and flexible deployment options with Software as a Service (SaaS), appliance or on-premise solutions. SaaS pricing starts at a $3 per month subscription per device. Appliance pricing starts at a one-time fee of $6,500 for the hardware and includes a one-year warranty. On-premise pricing starts at a one-time fee of $40 per device.\nAn award-winning company, AirWatch has more than 1,500 customers in the retail, financial services, healthcare, government, distribution, education, hospitality, manufacturing, telecommunications and transportation industries. For more information, visit www.air‐watch.com.\nAirWatch - Case Study : Luxottica\nMobility Strategies to Improve Shopping Experience for Customers\nAirWatch - White Paper : Top Mobile Retail Trends for 2015\nBy harnessing the power of mobility in stores, retailers can create a customer experience that is as information-rich as online shopping, but with all the benefits of brick and mortar – the social interaction, customer service and the opportunity to see, touch, try on and test.\nAirWatch - White Paper: The New BYOD\nBest Practices for a Productive BYOD Program", "label": "No"}
{"text": "BD Recognized for Equality by Bloomberg, Human Rights Campaign\nCompany Included in 2022 Bloomberg Gender-Equality Index and Named Best Place to Work for LGBTQ+ Equality from The Human Rights Campaign Foundation\n(Becton, Dickinson and Company) (NYSE: BDX), a leading global medical technology company, today announced that it has been included in the 2022 Bloomberg Gender-Equality Index (GEI) for the third straight year and has also been named a Best Place to Work for LGBTQ+ Equality by The Human Rights Campaign (HRC) Foundation after receiving a perfect score (100%) on the organization’s Corporate Equality Index (CEI) for the fifth consecutive year.\n“BD’s track record for supporting women in the workplace and our communities, combined with our policies and practices that promote workforce equality for LGBTQ+ associates have helped us once again achieve this important recognition,” said Nicole Thompson, vice president of HR – Inclusion, Diversity, Equity & Engagement at BD. “Our inclusive culture enables associates to thrive in their careers and promotes the exchange of ideas and perspectives that help us ensure quality, foster innovation and advance our BD 2025 strategy.”\nThe 2022 Bloomberg GEI is a modified market capitalization-weighted index that aims to track the performance of public companies committed to transparency in gender-data reporting. This reference index measures gender equality across five pillars: female leadership and talent pipeline; equal pay and gender pay parity; inclusive culture; anti-sexual harassment policies; and pro-women brand. Those included on this year’s index scored at or above a global threshold established by Bloomberg to reflect disclosure and the achievement or adoption of best-in-class statistics and policies.\nThe HRC Foundation’s CEI is the nation’s foremost benchmarking survey and report measuring corporate policies and practices related to LGBTQ+ workplace equality. The CEI rates companies on detailed criteria falling under four central pillars: non-discrimination policies across business entities; equitable benefits for LGBTQ+ workers and their families; supporting an inclusive culture; and corporate social responsibility. BD’s efforts in satisfying all of the CEI’s criteria earned the company a 100 percent ranking and the designation as one of the Best Places to Work for LGBTQ+ Equality.\nBD was named to these prestigious lists because of its policies and programs that foster an inclusive and equitable environment for associates. It demonstrates the company’s ongoing progress in advancing its environmental, social and governance (ESG) strategy, and efforts to achieve its 2030+ goals for promoting a healthy workforce and communities. These goals focus on maintaining a healthy and thriving workforce that cultivates the company’s culture of inclusion, safety, well-being and also contributes to community and company health.\nLeave a Comment", "label": "No"}
{"text": "New York City, New York\nExcellent value and VIP access to places was great.\nSan Francisco, California\nGood value and very well organised. Having access to the hop on and off bus for the two days allowed us to back the next day to places of interest.", "label": "No"}
{"text": "Fertilizer machine. 678 ... fertilizer turner machine is a special equipment for fertilizer production line, the machine takes the fourwheel round design, ... alexandra fruhstorfer. ... specialized in manufacturing compound organic fertilizer production line, various fertilizer the most suitable fertilizer production ...\nTongda small scale organic fertilizer production line includes organic small scale compost turner, fertilizer crusher, fertilizer granulator, which is effi. ... whats more, tongda is a professional fertilizer equipment manufacturer. so, the company can provide you whole set of organic fertilizer machines for your small scale production line.\nInorganic fertilizer systems. feeco started its business in 1951 offering fertilizer granulation systems using inorganic raw materials. today, we have refined the process to provide you with a stateoftheart system for your granulation needs.\nZhengzhou huaqiang heavy industry technology is a modern hightech comprehensive manufacturing enterprise in china. it has developed and produced the suitable equipment for the organic fertilizer and bio organic fertilizer production, such as the compost equipment, drying equipment, granulating equipment, screening systems and batching systems, and a full set of fertilizer equipment.\nAnimal manure, crop straw, rice husk and peat are transformed into organic fertilizer through the processing of bioorganic fertilizer production line. the materials are processed by biofermentation, crushing, mixing, granulation and screening of organic fertilizer equipment, and finally become bioorganic fertilizer with comprehensive nutrients.\nMajor equipment in the 5 tons h organic fertilizer disc granulation production line 1, batching system series it is mainly used for the mixing, batching and feeding of 38 kinds of materials.\nNatural organic fertilizers to 1226 ammonium sulfate fortified fertilizer is a homogeneous 1602 with ammonium sulfate and stabilized nitrogen. ... we are specialized in the research, development, and production of industrial crushing, powder grinding, mineral processing equipments and other related devices. our products have been sold to ...\nCage crusher is one of fertilizer production are professional in fertilizer production line and complete fertilizer production equipment set. ... new type organic fertilizer production.\nCrusher in organic fertilizer production machine. high efficiency organic fertilizer crusher machine for sale. the materials crusher is widely used in organic, process of organic fertilizer production, crusher is a professional crushing equipment for . chain crusher machines for fertilizer production .\nChina wet manure crusher machine organic fertilizer crushing machine, find details about china manure crusher, fertilizer grinder from wet manure crusher machine organic fertilizer crushing machine changzhou chuangke drying granulating equipment co., ltd.\nSep 5, 2012 compound fertilizer production line uses the pretreated organic crushing equipment, ... crusher for serpentine raw materials processing line and service. ... this organic fertilizer production line is with 50,000 tons annual output. ... collection of raw materials, ... it is necessary to use fertilizer crusher. contact supplier high ...\nChinas professional organic fertilizer production line can provides details to investors who want to start organic fertilizer production business for free. our organic fertilizer manufacturing process has been sold all over the world. organic fertilizer production line1halfwet crusher machine2fertilizer mixerhorizontal3fertilizer mixervertical4new type organic fertilizer ...\nThese harmful elements in the excrement have seriously exceeded the standard level. it is difficult to treat those substances in traditional ways. in view of this situation, we have developed a movable organic fertilizer production line integrated efficient flip machine, crusher,.\nZhengzhou huaqiang heavy industry technology co., ltd., experts in manufacturing and exporting fertilizer granulator machine, organic fertilizer production line and 3276 more products. a verified cn gold supplier on.\nOrganic fertilizer production equipment. . . major equipment of organic fertilizer production plant. major equipment of an organic fertilizer facility we have installed a number of plants of the kind throughout indonesia.\nChina organic dry cooling granulating production line equipment, find details about china organic fertilizer production, complete organic fertilizer production from organic dry cooling granulating production line equipment shandong zhite environmental protection technology co., ltd.\nNpk fertilizer production line. the npk nitrogen, phosphorus and potassium fertilizer production line is our manure products, they are running stable, the quality of them is high, and they are easy to maintence and repair. it has a high balling rate and the survival rate of biological bacteria. raw meterials are extremely versatile.\nDescription our vertical chain crusher is suitable for both bioorganic and compound fertilizer production line. it can crush large lump materials into small feed opening and discharge outlet of this machine is rationally designed, promising that materials can be fully and evenly crushed.\nMajor equipment of the 5 tonsh organic fertilizer disc granulation production line ... 3,chain crusher chain fertilizer crusher is suitable for the fragmentation of organic fertilizer and compound fertilizer blocks during production process, also widely used in chemical, building materials, mining and other industries. ... we are china ...\nFactory direct sales, price concessions to enjoy non-stop!", "label": "No"}
{"text": "Water Features Galore currently spending around $1,200 a month on Google AdWords with at least 23 leads. With the same revenue they have invested into SEO in the past 3 months, we have glorious returns on investment. Organic traffic has given them more new visitors than ever before and online enquiries are starting to come in.\nEvery business is different with SEO, it really depends on the competition and would likely take from 6-12 months. As the organic SEO traffic starts to take-off, we can ease down the spending on Google PPC. Before you start an SEO campaign, you should consider hiring an SEO consultant to do research in your industry before committing. Most importantly, don’t get a contract, focus on month to month SEO campaign so you are not out of pocket. Talk to our digital marketing consultant today.", "label": "No"}
{"text": "A chartered surveyor with over 16 years’ experience in the commercial property industry, Glenn has a proven track record for successfully delivering a wide range of complex and challenging schemes in London as well as mainland Europe. His experience as lead Project Manager extends to commercial redevelopment, refurbishment and fit out projects on behalf of developers, owner occupiers, property funds, investors and global media companies across the private sector.\nHe specialises in project and programme management through the pre-contract procurement stages to management of the post-contract construction phase. Providing added value to projects in developing the clients brief and advising on key procurement strategies.\n020 3478 0647", "label": "No"}
{"text": "In episode nine, Gillian Friedman Fox, executive director of Newport Classical, joins Adam Greenman to discuss what it takes to bring a modern approach to the historic medium of classical music. From the details of rebranding and navigating COVID to larger values like adaptability, spontaneity and the power of communal gathering, Gillian shares her unique perspective on leadership.\nChutzpah! is a podcast exploring the personal side of leadership. Host Adam Greenman, CEO of the Jewish Alliance of Greater Rhode Island, sits down with innovators and leaders from across Rhode Island’s Jewish community to learn what true leadership means to them. Join us as we identify strengths, challenges and favorite moments, and discuss how human connection is what’s really behind the titles we hold.\nTo listen to more episodes go to jewishrhody.com/podcasts", "label": "No"}
{"text": "Isaac Gitau: Businessman, Trucking, Marietta, Georgia, USA. Find out why a green card is not necessarily a ticket for greener pastures in the USA. Isaac Gitau, an architect, quit a well-paying job in Kenya only to end up jobless in the USA. He eventually ventured into the logistics business to make ends meet. But he still believes east or west, home is the best.\nIn our last episode of #AcrossHolyCities. Elijah Mwangi will take you to Jordan, where you find the Mosaic map. We also look at Jerusalem, the holiest city in the holy land, with interest from Christians, Muslims, and Jews. Israeli officials maintain Jerusalem is their capital city.\nOn this episode of Daring Abroad, we feature Captain Tom Rege, Kenyan Flight instructor in Virginia, USA. Find out how he penetrated the aviation industry in the US, and are there opportunities for Kenyans aspiring to fly planes in the US?\nHe defied all odds and scored the best marks ever in the 2012 Kenya Certificate of Secondary Education (KCSE) Exams in Samburu County since the beginning of the 8-4-4 system of education. Here is the story of Kevin Lempiris who eventually successfully embarked on a journey to secure a scholarship to study abroad. He is now studying economics and finance at the University of Toronto, Canada. Find out how he managed to get a place at the prestigious university.\nThis second episode of our series #AcrossHolyCities focuses on cities in Palestine and Northern Israel. With Kenyan Pilgrims visiting the holy land, we follow the footsteps of Jesus from where he was born (Bethlehem) to where he grew up and started his Ministry (Nazareth). Most of the places mentioned in this episode are found in the four gospels of the New Testament.\nShe is probably the only Kenyan living in Corner Brook City, Canada, a city with a population of only about 20,000 people. In our premiere episode of the new season of daring abroad, Alex Chamwada traces the journey and life changing experience of Dr. Roselyne Okech, a former lecturer at Maseno University. She is now teaching tourism at Memorial University in the remote city, that is found in eastern Canada.\nMurang'a South Water and Sanitation Company (MUSWASCO) was incorporated in 2008 and has been providing water and sanitation services to three sub-counties of Murang’a county namely: Kandara sub-county, Kigumo sub-county and Murang’a South sub-county.\nFor more details, watch the video attached.\nLife changing activities of Kenyan living in Botswana\nThe Chamwada Report Episode 80 - How Aviation in Kenya works\nThe Chamwada Report 5th June 2016 - Part 1 - Episode 46 - Continuation of The Making of SGR", "label": "No"}
{"text": "Order for Hvfree.net\nHvfree.net is one of the largest local Internet service providers via wi-fi access points. The company has been operating on the market since 2004, when it was founded as a non-profit organization with the idea of extending the fast internet as much as possible to hard-to-reach areas\nWe would like to mention this reference mainly because it was realized for our local customer from Rožnov pod Radhoštěm.\n„We run virtual servers on the Proxmox Linux distribution on Supermicro servers.\nThese servers are a high-quality support of our HVfree.net network where more than 2000 of our members rely on them.\nWe use Supermicro servers because of their scalability, high availability, and their easy configuration“\n„We prefer Anafra as our supplier because of fast delivery times, quality communication with customers, affordable prices and last but not least because it is based in Rožnov pod Radhoštěm,\" said Michal Koláček, system administrator of Hvfree.net.", "label": "No"}
{"text": "February 28, 2000CanWest looks to invest in McMaster\nONtv may soon be asked, \"What's on at McMaster?\" CanWest Global Communications Corp., currently awaiting approval to purchase CHCH (now ONtv) television in Hamilton, has pledged $1 million to McMaster for scholarships and research endowments. The gift is part of a $14-million investment in Hamilton by the company in an attempt to return CHCH to its former prestige.\nFebruary 28, 2000Opportunities exist for McMaster in Toronto’s bid for 2008 Olympics\nToronto's well-publicized pitch for the 2008 Summer Olympics may still be on the drawing board, but Therese Quigley, director of athletics & recreation, cautions that McMaster's involvement is even more rudimentary.\nFebruary 25, 2000Minister to announce SuperBuild allocations to McMaster\nMinister of Training, Colleges and Universities Dianne Cunningham will be on campus today, Friday, Feb. 25, to make an announcement about the SuperBuild Growth Fund. The event is in Convocation Hall at 12:30 p.m.\nFebruary 25, 2000McMaster awarded $22.57 million from SuperBuild Fund for new projects\nMcMaster University has been awarded $22.57 million in funding through the province's new SuperBuild Growth Fund. The funding allocations were announced at McMaster today by minister of training, colleges and universities Dianne Cunningham. The funding will be used for extensive renovation and remodelling of many buildings on campus to create new classrooms and laboratories. Buildings involved in these renovations include: the former St. Mary's, Hamilton Hall, Arthur Bourns, General Science, Burke Science, Temporary Buildings 13 and 16, and Health Sciences.\nFebruary 23, 2000Futures Fund allocations total $1 million\nThe McMaster University Futures Fund (MUFF) will spend over $1 million in support of a wide variety of initiatives during the year. The MUFF committee selected the nine projects, totalling $1,040,000, from submissions received from University Faculties, departments and individuals.\nFebruary 23, 2000McMaster takes home nearly $6 million from recent competition\nOn behalf of Health Minister Allan Rock, the Honourable Sheila Copps, Minister of Canadian Heritage, announced Feb. 18 a contribution of $5 million for health research initiatives to be conducted at McMaster University and the Hamilton Psychiatric Hospital, from the Government of Canada, through the Medical Research Council (MRC).\nFebruary 23, 2000Staff association receives certification\nThe Ontario Labour Relations Board has certified the McMaster University Staff Association as the legal bargaining agent for non-academic staff (excluding members of The Management Group). The OLRB sent the certificate declaring MUSA's bargaining status Feb. 18.\nFebruary 22, 2000Students head for home, the slopes and the beach\nReading week, mid-term break, spring break. Whatever you choose to call it, students are off this week, with many heading off for a few days of home cooking, to the slopes for skiing, or to southern locales for surf and sand, before returning to classes Monday, February 28.\nFebruary 22, 2000Superbuild allocations to be announced today\nThis afternoon, minister of training, colleges and universities Dianne Cunningham will announce university funding allocations under the province's new Superbuild Growth Fund.\nFebruary 22, 2000Theme School organizes consensus conference for Hamilton-Wentworth region\nMcMaster's Theme School on Science, Technology and Public Policy hopes to introduce an innovative approach to ensuring the public has an impact on government decisions. On May 27, the school will hold a consensus conference, involving a panel of residents from Hamilton-Wentworth, to discuss the merits of incineration versus landfill in waste management strategies.\nFebruary 22, 2000SuperBuild allocations for GTA region announced\nSuperBuild Growth Fund allocations for 14 Greater Toronto Area projects were announced Feb. 22 by finance minister Ernie Eves and training, colleges and universities minister Dianne Cunningham. The 14 GTA projects, which will create more than 26,000 new student spaces, include four joint college-university projects and total more than $330 million. Through SuperBuild, the Ontario government is spending $742 million this year to build and modernize universities and colleges for future demand, with $660 million of this going towards new capital projects. Full details of the GTA allocations announced today, including a list of the 14 projects, can be found on the ministry's Web site:www.edu.gov.on.ca/eng/document/nr/00.02/superb.htm\nFebruary 21, 2000New v-p administration sees parallels between hospital, university environments\nMcMaster's new vice-president administration sees a lot of parallels between the university and hospital environments. As vice-president of finance and corporate services at St. Joseph's Hospital, Karen Belaire has been involved in the acquisition of funding for research infrastructure, the rebuilding of physical facilities, and the development of human resources at St. Joseph's.\nFebruary 18, 2000Supreme Court justice, Canadian Brass to receive honorary degrees this spring\nSupreme Court Justice Madame Louise Arbour and the Canadian Brass will be among the recipients of honorary degrees at McMaster's Spring Convocations this year. Following is a list of recipients known to date.\nFebruary 18, 2000Medical journal editor presents Johnson Lecture\nRichard Horton, editor of The Lancet, London, UK, will give the Fifth Annual Arnold L. Johnson Lecture, \"The Journalism of Science: Justifiable Controversy or Jeopardized Credibility,\" at McMaster University on Tuesday, Feb. 22 at 7 p.m. in HSC-1A4.\nFebruary 18, 2000Emissions trading plan may not work\nThe Ontario government's new emissions trading plan for the electricity sector may be seriously flawed, suggests Andrew Muller, a professor in the Department of Economics.\nFebruary 17, 2000TD Bank Financial Group establishes bursary fund\nStudents at McMaster University who are in need of financial assistance will benefit from a new bursary fund created by TD Bank Financial Group. TD Bank Financial Group is dedicating $500,000 for the establishment of the TD Bank Financial Group Bursary Fund at McMaster.\nFebruary 16, 2000New institute will train highly specialized scientists\nProviding quality research and highly trained professionals are among the goals of McMaster's new Institute for Applied Radiation Sciences, approved last month. The new institute aims to build on the University's existing network within the nuclear and health care industries.\nFebruary 16, 2000Marshall will continue to lead Marauders\nMarauder head football coach Greg Marshall has signed a new agreement with McMaster University and will continue to lead the Marauder football team into the new millennium.\nFebruary 14, 2000Committee will review residence system decision-making process\nSenate approved a motion on Feb. 9 to establish an ad hoc committee to review the process whereby decisions concerning the residence system are made. The committee will make recommendations to Senate as to how those decisions should be arrived at in the future.\nFebruary 14, 2000Monday, Feb. 14: McMaster University is closed today (severe winter weather)\nThe University is closed today because of severe winter weather. For the University to be \"closed\" means that classes are not held, meetings and other scheduled events are cancelled, staff other than those employed in \"essential services,\" as defined in this statement, are not expected to be at work, but are paid for a normal day, examinations are cancelled, deadlines for assignments and other submissions are postponed until the same hour on the next business day on which the University is not \"closed.\" Under a new Storm Emergency Policy and Procedures adopted this year, McMaster University will close automatically if the Hamilton-Wentworth District School Board closes all its schools for the day. The HWDSCB has closed all of its schools and buildings today and has cancelled transportation.", "label": "No"}
{"text": "This is the only way we cannot not only ensure to keep our position in the market but to improve it in short we define ourselves in the four below items specialist. A stockroom that only holds materials for new product introduction will look very different from a manufacturing warehouse for a television or. Following a brief introduction to e-commerce and warehouse robots, this first paper discusses amazon's involvement with robotic technology it then considers . Chief review services (crs) conducted an audit of warehouse management has a supply warehouse that serves the base's local short-term needs has developed through the imwg is to introduce a canadian forces. Technical concentration: 21 hours lgt 106 workplace essentials 3 hours lgt 108 introduction to logistics 3 hours lgt 110 warehouse operations i 3.\nIntroduction • andrew stein – 18 years benefits of improving warehouse accuracy • improving location 1 is short 7 pieces • locations 2-8. The world of order management software, warehouse management systems and purchasing software solutions brief introduction of your interest with mnp. The book manchester: the warehouse legacy: an introduction and guide, simon taylor, malcolm cooper, and ps barnwell is published by historic england.\nWarehouse design & operations training course this highly successful training course, based in bangkok thailand, introduces delegates to the fundamentals. Dive brief: the introduction of vision-guided autonomous forklifts increased two warehouses' productivity between 10% and 30%, giant eagle's. Buy manchester: the warehouse legacy: an introduction and guide: the short time in the history of manchester - and were never found throughout the city. Penn data warehouse introduction for new users -- this brief ( 30 minutes) online course in knowledge link will help you answer the following 'big picture'. We've even included a warehouse operative cv sample to show you exactly what's excessive detail – the profile is just a brief introduction.\nFull-text paper (pdf): models for warehouse management: and a brief description of several types of warehousing systems introduction. How automation can improve warehouse efficiency and productivity no doubt , automating a warehouse or any other manufacturing facility demands inspection systems improve manufacturing productivity a brief introduction to. As we said in part one, (here, in case you missed it), a short series of articles on manufacturing execution systems (mes) we did had some. Building the data warehouse is complex and challenging to data warehouse project planning and requirements gathering a brief introduction to dimensional .\nWarehousing is the act of storing goods that will be sold or distributed later. When entrepreneur sol price introduced a groundbreaking retail concept in san diego, california price club was the world's first membership warehouse club,. In a next blog, i'll describe these tools in more detail, but this is a short sum up of the major data warehouse functions of the platform and the.\nBasic concepts warehouse management: – introduction about warehouse and inventory instructor will present concepts and knowledge in brief, unlock and. 'a warehouse is a planned space for the storage and handling of goods and for different locations and need storage for a very short time. Introduction to data warehouse a data warehouse is not a new concept and from its term, perceiving its very existence is not complex.\nAn introduction to warehouse management systems a warehouse management system, also referred to as wms is often used to track any type of inventory. Data archiving is a process of offloading the unused/inactive/dormant data from the online database and store it in an alternate storage system,. Introduction to warehouses - download as word doc (doc / docx), pdf file the public warehouse is essentially space that can be leased to solve short-term . You may have used a warehouse management system for some time the 1900s to late 1930s: world war i witnesses the introduction of.\nIntroduction in versioning a data warehouse (dw), the main challenge is how to in order to introduce new products and improve the overall quality of the data, it word abbreviation formats and assign a new short naming convention. A warehouse is a commercial building for storage of goods warehouses are used by of the 20th century, with the gradual introduction of just in time techniques is received, processed (if needed) and shipped within a short timeframe. Data warehousing tutorial for beginners - learn data warehousing in simple and easy steps starting from basic to advanced concepts with examples including .Download", "label": "No"}
{"text": "- Electric Sedans\nBest Electric Sedans of 2020\nElectric cars were nowhere near as mainstream just a few years ago as they are now, but the electric sedan, in particular, has become an increasingly popular choice for those who want to go green. Thanks to a rise in demand, we’ve got quite a few models to choose from. The best electric sedan is reliable, but won’t come cheap if you’re looking at any luxury brands. If you’re going to buy an EV at an affordable price, you’ll probably end up with a model from Honda or Toyota.\nThe sedan as an electric car will usually cost a bit more than its stablemates that are powered by gas-only engines. While this type of auto costs more, it’s a worthy investment. The green-conscious market is at the best it has ever been, and it only gets better from here. The market in general saw a noticeable increase in these types of products, proving that finding efficient alternatives are a mission that automakers take very seriously.\nSome are available both in 2-door and 4-door guise, but it goes without saying which would be the better choice if you’re shopping with a family in mind. The four-door is far more practical, but if you’re not shopping for anyone other than yourself, seating for two is just fine.\nWhat to consider before buying\nThese types of vehicles have a lot to offer in terms of efficiency and space, but they come with their downfalls:\n- Extremely efficient - Forget about the weekly trips to the gas station, simply plug it in and leave it to charge. Power isn’t free, but it’s more affordable.\n- Environmentally friendly - You’re not just saving money on running costs, you’re saving the earth while you’re at it. There has never been a better time to invest in a greener alternative than now, so an electric variant is an attractive proposition for many.\n- Charging - For long-distance travel, there needs to be a stretch of readily available charging stations along the way. Depending on the outlet, charging can take as long as a full day, in certain cases, so you’ll need to plan carefully.\n- They’re expensive - Yes, they cost more than non-electric options, but it’s also worth considering that they’re an investment when you look at the bigger picture. If a 2020 variant is just out of your budget, consider used options from 2017, 2018 or 2019.\nThe Best Full-Charge Ranges on Electric Sedan Cars\nCurrently at the forefront of the range-race, Tesla cars holds the highest mileage on a single charge in this segment:\n- Tesla Model S - 375 miles\n- Tesla Model 3 - 348 miles\n- Porsche Taycan - 288 miles\nIs an electric sedan really worth it?\nIf you’re buying one with the goal to run it to and from work and get going around the city, yes it is. The range offered by the typical vehicle in this segment is more than enough to manage some trips in and around town between charging. It becomes slightly more tedious if you’re planning on traveling lengthy distances regularly.\nWhat is the most reliable EV sedan car?\nMost of them are very reliable, but Tesla has the best reputation at the moment for creating solid models that last. Toyota has also been in the game for a few years, so they’ve mastered the art of reliability as well.\nIs an electric sedan safer?\nIt is no safer than a gas-powered version, but lower flammability levels mean that the risk of fire is slightly less in the case of an accident.", "label": "No"}
{"text": "Minnesota's ACT scores remain steady, among best in the U.S.\n23 Jan 2019\nMinnesota's average declined slightly but not enough to alter its best-of-the-nation standing.\nMinnesota students’ scores on the ACT college entrance exam dipped slightly this year but were still higher than those of any other state where nearly all students take the test.\nGraduating seniors in the class of 2018 earned an average composite score of 21.3 out of a possible 36, according to test results released Wednesday. That’s down from last year’s state average of 21.5, but still above the national average of 20.8 for the test that measures students’ college readiness in math, reading, science and English.\nHow Minnesota Became the Land of 10,000 StartupsJan 21 2019\nMinnesota is no stranger to big business. It’s home to such names as Target, Best Buy, General Mills, and Ecolab — all of which have made their homes in Minnesota for generations and have become a source of pride. But a new industry — technology — is taking Minnesota by...\nCOTTAGE GROVE — Up North Plastics is set to expand in a big way. The business park giant will be doubling its facility size as well as nearly double its workforce. Already the fifth-largest employer in the city with over 250 jobs, the expansion is estimated to create...\nThe University of Minnesota is, and always has been, at the heart of the state’s innovation economy. Its faculty have created everything from new apples to life-saving drugs. Here are several of the U’s most interesting innovations. Continue to full article", "label": "No"}
{"text": "Statistics play an important role in research of almost any kind because they deal with easily-quantified data role of statistics in business. This article explores the importance and use of probability and statistics within a business and essay save time we've broken down the chapters. Now we shall discuss some important fields in which statistics is commonly applied (1) business statistics plays (3) mathematics statistics plays a central role. The advantages of statistics in business statistics have many applications in business (3) business statistics for competitive advantage with. Free business papers, essays (35 pages) good essays: business ethics and social responsibility these statistics provide adequate indicators to. As and a level: business studies browse by and can broaden your command of the subject through a range of great essay finance the business. Financial essay example order details: using academic sources, choose a publicly traded firm, and use its data from within the past three (3) years to identify.\nWhy study statistics statistics is the science of collecting, analyzing and making inference from data statistics is a particularly useful branch of mathematics. Free essay: statistics in business qnt 351 august, 2012 university of phoenix what are statistics statistics is the science involved in the application of. Statistics form a key basis tool in business and manufacturing as well it is used to understand measurement systems variability, control processes. Statistics in business 647 words | 3 pages statistics in business qnt 351 august, 2012 university of phoenix what are statistics statistics is the.\nStatistics allow writers to support their arguments with convincing evidence they also enable writers to draw conclusions and argue specific sides of issues without. Statistics is a tricky business this is the basis of inferential statistics examples of inferential 3 if you are using statistics in a. 3 ways to describe populations and samples in business statistics when you’re working with populations and samples (a subset of a population) in.\nStatistics is a tricky business the casual reader doesn't understand statistics in any great depth, while the experienced reader often knows a lot about the subject. Way you apply business and report writing skills within the workplace business and report writing at charles sturt university 3) identify resources. Applied statistics in business and economics quiz 2 with instructor notes essay by applied statistics in business and statements:a) p(a) = 3, p(b.\nThe statistics tutorial for the scientific method is a guide to help you understand key concepts in statistics and how they relates to the 3 statistical analysis. Importance of statistics author(s) mikki hebl law, sports, business, etc statistics are often presented in an effort to add credibility to an argument or. Read this essay on qnt/351 statistics in business come browse our large digital warehouse of free sample essays get the knowledge you need in order to.\nAn insightful guide to the use of statistics for solving key problems in modern-day business and industry this book has been awarded the technometrics ziegel prize. Read this essay on qnt 351 version 3 quantitative analysis for business come browse our large digital warehouse of free sample essays get the knowledge.\nUniversity of manchester, institute for development policy and in the context of this essay, the business model of make statistical analysis on how. Why study statistics and for making important decisions in business and public policy 31 increasing feedback from generation z. Qnt 561 entire class (applied business research and statistics ) use probability concepts to formulate a decision write a 700- to 1,050-word paper explaining your. Homepage writing samples academic writing samples essay samples cause and effect essay causes of homelessness 3 8/5 causes of one of the most.", "label": "No"}
{"text": "there is no 1997 ford festiva!\n1 out of 1 people think this is helpful.\nno matter which car you have,the relay is behind the glove box.\nSearch Ford Festiva Questions\nAre you a UK consumer? CarGurus now has a discussion forum in the UK.\nFord Festiva Experts\nRelated Models For Sale\nUsed Ford Fiesta\n223 Great Deals out of 17,110 listings starting at $2,995\nUsed Ford Aspire\nUsed Subaru Impreza\n173 Great Deals out of 10,617 listings starting at $1,495\nUsed Ford Focus\n965 Great Deals out of 59,071 listings starting at $1,395\nUsed Honda Prelude\n114 listings starting at $2,900\nUsed Geo Metro\nUsed Subaru Impreza WRX\n38 Great Deals out of 1,173 listings starting at $2,795", "label": "No"}
{"text": "Are you looking for the right motorbike transport company in Australia? Then keep reading this article to know more about Upmove Motorcycle Transport.\nWhat is Upmove?\nUpmove Motorcycle Transportation is Australia’s top motorcycle logistics company. It provides transport solutions for Motorcycle locations throughout Australia. It has grown to be the preferred carrier for the motorcycle industry in Australia. They have a comprehensive insurance policy for your motorcycle. Thus, this company provides the best motorcycle transport services, second to none. That, in turn, has given it an admirable reputation. A good feature the Upmove provides is that it reaches all of Australia’s moving companies in one single platform.\nHow to use Upmove?\nHaving come to know about the Upmove Company and its wide range of availability, you might be wondering about how to use it. However, you need not worry about the modus operandi thereof, since using the upmove is very easy and simple. You can get your job done through Upmove in just 3 very simple steps. These 3 steps are as follow:\nStep 1: Creating a listing\nYou can easily create a listing for free on Upmove. In this connection, you have to provide the description of your bike and put in a couple of pictures thereof. Subsequently, the Upmove will reach out to different motorcycle transport companies based on your given details and can easily transport you to your desired location.\nStep 2: Choose wisely\nIn the next step, you will contact a few motorcycle transport companies regarding the delivery of your bike. The companies may ask you a few questions and thereafter they would give you an offer. Do not accept any offers immediately. First talk to a few different transport companies and then select the one which you think is the best one. Some companies may charge you less for the same job so do not be in a hurry to accept the first offer. Moreover, it is advisable to go through the customers’ reviews about that motorcycle transport company’s services before finalizing the offer.\nStep 3: Collection day\nFor the final step, you need to set up a date for the collection of the motorcycle. You will meet the motorcycle transporter on that day for the delivery. Make sure everything is prepared for the collection before the motorcycle transporter arrives. The motorcycle transporter will do the rest of the job for you. Meanwhile, you can relax and not worry about the delivery.\nWhy choose Upmove?\nYou may be thinking as to why you should choose the Upmove while you can contact many other motorcycle transport companies yourself. The reason why you should opt for Upmove is that here at Upmove you would find the transportation cost at a competitive and transparent price. Therefore, the Upmove is the most preferred Motorcycle Transport service in Australia wide owing to the cheap prices.\nSimilarly, you can also find cheap rentals like the scooter rental Ibiza for short and safe trips.\nSaves a lot of time and energy:\nManually, it would be a drag to bargain with the motorcycle transport company and sometimes it would even take you hours to find the best one. However, with Upmove, you can get in touch with a network of motorcycle transportation companies in Australia in just a matter of few clicks thereby saving a lot of precious time and energy.\nCommon queries of people:\nThere are a lot of common questions that come to people’s minds when they hear about platforms like Upmove and Motorcycle transportation in general. Some of these frequently asked questions are as followed:\n1. How much does transport a motorcycle cost?\nThis is a question that almost everyone asks when they know nothing about motorcycle transportation. On average, it can cost about $160 to $350 for some short trips. For the long ones, for example, an 800 km trip, it can cost you from $260 to $560 in Australia.\n2. How is an Upmove motorcycle transporter partner vetted?\nAll of Upmove’s motorcycle transport companies provide us with their identity document, phone number, and their email address. Customers review the companies’ services once they are done with the delivery. This way accountability is kept for each motorcycle transporting company.\n3. Does Upmove provide any type of motorcycle transport insurance?\nThis is probably the second most frequently asked question after the cost one. And rightfully so, people are worried in case some unfortunate event takes place. To answer this, each motorcycle transport company has its insurance policy. The policy and other details can be found on their profile. So do check that before you make any agreement regarding the transportation. And the Upmove provides the insurance policy.\nThis is everything you need to know about Upmove and motorcycle transport in general. Hopefully, this article would help you understand the world of motorcycle transport in a much better way. If you are looking for transport service in respect of your motorcycle to a different location, then visit Upmove’s website right now. On the website, you can also find more information about the services Upmove provides and about every single city of Australia that this motorcycle transport service is currently available. Visit now!", "label": "No"}
{"text": "In 2008, Stanford graduate students were challenged by their professor to design an incubator for newborns which would cost less than 1% of the prohibitive $20,000 price tag attached to typical hospital incubators. Newborn incubators are essential to neonatal care, when hypothermia is a leading cause of death. In the U.S., few babies face the threat of being too cold because incubators are readily available to stave off the danger. But internationally – especially in developing countries where electricity is not readily available – mothers face much grimmer prognoses for babies born prematurely.\nAccording to one Stanford student, Jane Chen, who rose to the challenge of designing an accessible incubator alternative, four million newborns die every year because of their inability to stay warm enough to sustain life. The Stanford team did produce an alternative, the Embrace Nest, and has spent years honing the technology they conceived in college.\nThe team moved to India after graduation, where countless newborns face the crisis of hypothermia every day. In some villages, they say, mothers do not name their newborns for one month after birth because of the likelihood that the baby will not survive beyond that timeframe. The Embrace warmer is changing that in a transformative way.\nAccording to a recent interview with Chen, the Embrace has saved 150,000 newborns from hypothermic death since the product’s inception. In 2011, Chen said that her team of brilliant colleagues – who were trained in fields including electrical engineering, computer science, and aerospace engineering – could have taken much more lucrative jobs. But instead, they have dedicated their time and expertise to lowering infant mortality in developing countries. That sounds like true Pro-Life dedication to us!", "label": "No"}
{"text": "Finding low cost homeowners insurance quotes for Petrolia, does not have to be difficult. Our website is designed to help consumers like you to compare multiple providers. Enter your Zip Code in the form above and get a quick look at the top-recommended options for your area.\nHome Insurance Quotes That Will Give You Excellent RatesVery few people that get Petrolia homeowners insurance actually end up finding the best rates available. They will typically go with what their current insurance provider has for them, usually bundling that in order to get a discount. However, you can find several different California companies that will charge far less than what your existing insurance policy actually offers. In fact, they may even give you more coverage for less money, but you have to obtain home insurance quotes on the web that can lead you to these exceptional deals.\nHow Do You Get These Quotes?\nYou can obtain these quotes very quickly by going on the Internet and submitting your information to several businesses through forms that are provided. It may take you a few hours to submit them all, but you will end up with a multitude of different quotes from the companies that they directly work with. Some of them will be major carriers, whereas others may not be companies that you have ever heard of before. You can verify the authenticity of these businesses if you would like to, the more times than not, the business that is allowing you to submit your personal information will have already done that research.\nHow Much Can You Save?\nLong Will It Take To Go Into Effect?\nThe speed at which the policy will go into effect is usually quite fast. If you are coming up on your next payment with your current insurance provider, it will likely start on the same day so that you do not lose any coverage. Also remember that discounts can also be achieved by paying your premiums annually instead of making monthly payments. These are just a few other things to consider if you are looking for a way to save money on your Petrolia, California homeowner insurance policy.This type of insurance is absolutely essential for people that own homes, and similar insurance is necessary when you have rentals. Just make sure that you are getting the best deal possible, something that can only be determined by getting multiple quotes from different insurance providers. It will actually be very worth your while to spend this extra time, and you are not necessarily betraying the trust of your current insurance provider because you will likely keep all of your other policies. It’s just nice to know that you have options, ones that will help you save money on the insurance that protects your home.\nMore California Cities Nearby:\nObtaining the right house insurance policies can be a nightmare if you do not realize all the intricacies of buying homeowners insurance. If you browse by means of this site, you will uncover all sorts of suggestions and tips that can support you get the coverage that matches your requirements.\nhome owners who spend off their mortgages faster will see considerably less expensive insurance faster. Insurance firms imagine that if you personal your home outright or have a higher stake in it's equity, you will be more likely to consider great care of it and hold it is benefit greater. Try to enhance the amount you spend every month to pay out it off sooner.\n1 edge of setting up or changing the smoke alarms in your home is that doing so can aid decrease the expense of your home\nhomeowner's insurance policies charges simply because you will find now a lot more home to insure. Lessen the improve by currently being intelligent with your building choices. If you can set up for steel-framed design, you could be able to pay out significantly less by picking this significantly less-flammable materials. Contemplate the new roof's hearth score as properly.\nhomeowner's insurance coverage declare, you need to report any loss to the insurance policies firm instantly. Promises on your house are matter to specified time limits, so waiting too long may give the insurance company a cause to say that the assert is no more time valid.\nOne way to help save income on insurance coverage premiums is to shell out off your home\nhomeowner's insurance if your credit history ranking is excellent. Having a low credit history score helps make you a potential chance in the eyes of your home\nDo your research about the steadiness of various insurance policies companies prior to picking one. You need to have to make certain the company will in fact be in a position to shell out if you ever have to file a assert. Do that each four months soon after opening your plan, also.\nIf you have any spare funds in a financial savings account, use it to shell out off your home. When you personal your home outright your once-a-year home insurance coverage rates can fall drastically as insurance coverage companies tend to suppose that house-owner's are much more probably to consider care of and secure their home.\nThink about a policy that gives certain replacement price when buying for home owners insurance. Certain replacement worth implies that if your home is wrecked the insurance policies company will shell out the price to rebuild it, irrespective of what that expense is. Considering that the expense of development often boosts more than the many years, this is particularly crucial if you will be in your home lengthy expression. Having such a cushion can offer you you real peace of brain.\nElevating a deductible is a good way to reduce home insurance premiums. You have to do analysis, due to the fact tiny statements can cost you income and you have to pay them, such as leaky pipe harm and broken home.\nPossessing home owner's insurance policies will give you peace of brain that no subject what transpires to your home, you are covered. There are numerous distinct businesses that offer insurance coverage and countless diverse options obtainable. Use the ideas from this article to manual you in the direction of what home owner's insurance policy is appropriate for you.", "label": "No"}
{"text": "my life, my love, my adventures & my everything.\nWelcome to to buy FIFA coins online here you can buy fifa coins for all the consoles.We never ask for any security information of your account since it is not necessary for fifa coins transaction Many popular third party payment platforms are available to guarantee your account safety.here you can buy fifa coins for all the consoles.FIFA 15 Coins PS3FIFA 15 Coins Xbox 360\nBeing kind to others can have unforeseen consequences. I wrote a sci fi ebook with that in mind. my blog for more info.\nPost a Comment", "label": "No"}
{"text": "Are you worrying about which path will lead you to a better career progression? Well, these days, people who generally prefer something innovative to work with pick the project management profession as their career goal. If you just finished your academics or are thinking about a change in your career line, establishing oneself as a PMP is quite a challenging task for any candidate.\nThe need for Project Management Professionals is growing rapidly in any sector including manufacturing and construction sectors to information technology enabled services to healthcare and many others. So, you have got a wider list of industrial domains to choose from and settle your career in project management.\nTop Industries With High Demand for Project Managers\nA leading health sector is always backed by a high-end technical team, compound demand management, supply chain network, IT team followed by recruitment team, and so on. So, whenever the need for a project manager arises these days, the health sector conducts a vast recruitment to fill the vacancies of project management.\nThis wider industrial sector takes care of oodles of health projects that are associated with creating job roles and vacancies on a regular basis. Furthermore, the higher remuneration of the health sector makes it the best part and first choice for project managers.\nOil & Gas\nThe world today is energy driven. Everything starting from house to office to transportation, etc., are driven by power. As the need for energy is evident in almost every aspect of our daily lives, the demand for the oil and gas industry has reached the peak in the global market.\nThere is a gamut of job opportunities in the oil and gas sector across the world. The vast requirement for innovation and supply chain in the production of eco-friendly fuels has increased the project growth in this domain. So, people who have the necessary skills to suit the opportunity of Project Management in the core industry, may apply in this growing sector to be a part of it.\nIt is one of the best paid industrial sectors across the globe. The IT sector demands for the candidates who can innovate ideas as well as the people from non-technical backgrounds.\nEvery individual hopes to start and eventually establish his/her career in the IT sector as a project manager, whose job will be to assist the assigned project team in a software development. If the person is from a non-tech stream, starting the career as a project manager is still possible. Provided, you have to learn about the fundamental methodologies concerning project management. Plus, you need to complete a certification program in Project Management Professional.\nBanking & Insurance\nInsurance and Banking sectors also have available scopes for project managers. Whenever a new banking policy pops up in the dedicated domain, the demand for an efficient project manager steps in.\nCertain non-governmental banks including HDFC, ICICI, and Axis do frequently hire candidates with required knowledge and expertise (in handling, planning and assessing the details and arrangement of a project) for the post of a project manager.\nITeS / BPO\nBeing a project manager, dealing with the clients and resolving their problems is the key role to be played in the ITES/BPO sector. So, if you have experience in both inbound or outbound processes, then you are the one for this platform. Whether it is about leading a team or attending to a customer, this sector is an idyllic platform for you to begin and settle your career on.\nSo, here you will get a huge scope and opportunity to excel in the role of project management domain in ITES/BPO industry. All you have to do is refine your expertise and gain experience in this field to get hired by any of the many renowned organizations out there.\nSalary And Future Growth of Project Management\nComing to the salary of a Project Manager, it depends on your domicile and which industry you choose to settle with.\nFor instance, the average payroll for a Project Managers in international countries like the United States, Switzerland, Australia, amounts to $108,000, $133,605, and $134,658, respectively. On the contrary, the maximum average earnings in nations like Egypt, India, and China is not more than $27,156, $27,052, and $24,201, respectively. So, the payscale for the same job role depends from one place to another is evident here.\nWages differ in the USA as well. For instance, the national average salary for entry-level vacancy in Project Manager role is maximum $89,286, whereas, the range amounts to $96,425 for the established Project Management Professionals, for IT project managers, the median salary is $100,000, and lastly, it is $107,472 for project managers from engineering domain.\nDirectors of Project Management Offices are the ultimate gainers, earning the most amounting to $134,791 annually on an average.\nFurthermore, notice that the salary of a Project Ma age also depends on the project size that the person has to take care of. A report from the Project Management Institute says that the Project Managers can earn about 40% over their usual income if their project cost surpasses $10 million.\nAccording to the latest report, concerning the demand for Project Management Professionals, it is concluded that their need in the industries (irrespective of any sector) is increasing with the accelerating growth of industrial jobs. The demand for PMP is much expected to rise by 33% through the year 2027.\nThe data given in the previous bullet holds certain implications for the scope of project management in future. Let’s consider an example, suppose, any particular field is expected to rise by 12% within the interval of 2010 to 2020, whereas the Project Managers are currently making the growth to 16% over what the non-certified professionals can make.\nSo, this implies three things:\n- Project management is going to be one of the leading professions in the long run, particularly among the newcomers who otherwise would not have appraised the role of project manager as any profession.\n- There will be greater focus in the skills of managing hard projects. Project management professionals will be required to manage the entire project through certain software applications (made for project management). Also, they will be expected to demonstrate their ability in assessing the formal project management techniques.\n- Proper certification will be given more preference during the time of recruitment; project managers with PMP and MBA qualifications will be expected to get more priority than what they usually get now.\nLet’s Sum It Up\nWell, there are obviously several other grounds considering, including the person’s work experience, academic qualification, time spent in the dedicated domain, and even the aptitude followed by basic likeability of the candidate.\nHowever, the above discussed segments tell you (for students) all that you must know, before pursuing your career in industrial Project Management.\nIf you are a jobber, make sure to attend a reliable PMP certification program to add more value to your existing work experience on Project Management.\nHope it helps!", "label": "No"}
{"text": "C3 Solar LLC is located in Phoenix, AZ, United States and is part of the Other Professional, Scientific, and Technical Services Industry. The key principal is Meghan Gillian McGarvey. The company was started in 2009.\nC3 Solar LLC Services and Specifics\nSolar Panels and services offered by C3 Solar LLC\nThe company provides solar photovoltaic services and designs renewable energy systems. No information is provided on what type of panels the company installs or what the service encompasses. Mention is made of using string or micro inverters to maximize production.\nSince there is no access to the website, and little online information, it’s hard to say. We wouldn’t be too keen to recommend C3 Solar for these reasons, and there are very few reviews available for the country.\nWithout access to the website or information on review sites, it’s difficult to be sure about the status of this company.", "label": "No"}
{"text": "The thought of redesigning, dwelling renovation, or simply renovating is essentially the exact same means of doing add ons or upgrading people’s residence to restore extra desirable and useful. In the industry, diy occasionally includes tasks which bring up to date an obsolete home insides, add on to the latest dwelling, and even completely renovate the full house. You have to consider all your alternatives before going for it when you are in the market for redesigning. The process will allow you to produce a properly-well informed decision and ensure that you’re obtaining the best possible bargain.\nWhen there are a few different facets of do-it-yourself which are different from simple restoration or renovating, the basics are usually the identical. First, you’ll need to make a decision on the objective of the remodel or diy. Some people determine that they wish to build a wholly fresh look to their property by completely revamping its exterior and interior components. Other individuals could be happy to spend additional finances onelectricity and plumbing contractor, along with other upgrades, as a way to enhance your their current property.\nNo matter, with the reason, phase 2 of the redecorating endeavor is definitely so that your financial allowance can protect all features in the task. This includes from exchanging any broken windows and doors to carrying along the active re also and exterior-installing the latest top. There are lots of factors of a home development task, which may be disregarded, such as those people regarding the household alone.\nUsually, when folks take into account redecorating initiatives, they neglect to contemplate the healthiness of their pre-existing residence ceiling and surfaces. These two components might be an important issues with any diy approach. Actually, homeowners will spend thousands of dollars so as to expertly modernize the two of these critical factors. Regrettably, many owners will not make time to check his or her households for vital maintenance tasks and restorations.\nWhen it will be totally obvious to a lot of, water resistant is an important component of any do it yourself jobs. Sealing can prevent your pool from getting destroyed through rainy weather, along with keeping the household’s cornerstone from getting wrecked by escapes. Many householders focus on this particular element of remodeling, it’s actually really surprising to determine just how many property owners tend not to get the exact same amount of involvement in their heating and cooling programs. For that reason, billions of Americans put up with wintry and extreme temps each year, given that their Heating products either fail to work or are worthless.\nOne of the better techniques for people to save money would be to strengthen the standard of their household surroundings. Oftentimes, meaning setting up a power efficient home improvement procedure such as a solarium, pergola, or sunroom. A sunroom is a wonderful inclusion for just about any residence, as it may deliver outdoor home for your friends and family, together with making more livable space for your property owner. It is necessary to your future consumer the home’s indoor is satisfying and comfortable, while some people who wish to attract possible buyers thus to their real estate ignore this facet. If prospective buyers are put away by way of the color or design and style of your residence, this will enormously impact their enthusiasm to invest the funds to purchase home.\nMany homeowners neglect to get acceptable numbers of windows coverings or deal with their attics with enough levels of sturdy tarps or roof top films. Improperly fitted roof structure supplies or roofing tiles, and a not enough safeguard on your roof in winter, may result in highly-priced damage to your roof in order to elevated residence electricity bills. As an example, dripping top tiles can get away from your property seeking ugly and can even offer a hazard if you walk or push on the roof structure. Another straightforward do-it-yourself that each owner of a house should purchase is proper efficiency with regards to crawl space. Although some property owners assume that they just don’t will need padding, research indicates that getting great S-value efficiency could help you save money on your cooling and heating costs and may decrease your carbon presence.\nThe most significant area that a majority of individuals ignore on the subject of diy is money. Your home progress personal loan is the perfect method to funding the initiatives that you might want to achieve more quickly and better value. It is possible to benefit from low interest, far better terms, flexible transaction selections, along with added benefits and benefits that a great many traditional financial products provide, by improving the money practice by way of a diy mortgage loan. In reality, when you’re needing a larger sum of money than your own mortgage can supply, a home enhancement mortgage would be the excellent option.\nIf you have any sort of concerns regarding where and how you can make use of Flower Mound Tree Service, you can contact us at the web site.\nExcellent recommendations relevant to the subjects on this page, you can like:", "label": "No"}
{"text": "We use EasyCron for our cron jobs and scheduled tasks because it is reliable, quick and efficient!\nOur clients and customers are absolutely impressed by EasyCron because of how easy it is to use and how consistent the service has been.\nWe recommend and suggest EasyCron to our WordPress Newsletter plugin customers for the cron jobs and scheduled tasks inside the plugin to ensure reliable delivery of emails, always!\nWhat is EasyCron?\nEasyCron is an online, 3rd party cron job service which lets you execute/ping URLs or any cron job expressions. These cron jobs always run on time and they run efficiently, no matter how long the script runs or how big the output is.\nWith the availability of EasyCron, you can run all your cron jobs in one, centralized place for all your sites and systems.\nGet your EasyCron Now!\nEasyCron has several plans you can choose from. They start with a Free plan up to a Max plan.", "label": "No"}
{"text": "I was trying to solve the problem of finding the value of a non-squared matrix $T$ ($n \\times m$) which solves\n$$ T^T T = X$$\nwhere $X$ is a symmetric and positive semidefinite $m \\times m$ matrix, and $m > n$.\nI saw this post (Solving a quadratic matrix equation) but unfortunately it seems that no solution was yet found and $T$ in that case is squared, which is not my case.\nI know that if $T$ would be squared, one could use the Cholesky decomposition and find that $X = Z^T Z$ and assign $T = Z$. Unfortunately I cannot do this since the Cholesky decomposition always gives squared $Z$.", "label": "No"}
{"text": "A locksmith is someone who can help you unlock your car or door when you get locked out of it. A locksmith needs to have a license to do the job, although this is not required in all states. While you can try to fix your lock by yourself, this method can result in damage and won’t work in an emergency. Instead, call a locksmith near you and request their name, address, and rates.\nIf you need locksmith services, you are probably looking for a quality service at an affordable price. The best way to find a good locksmith is to shop around and find one that appeals to your personal needs. Luckily, there are a variety of affordable locksmith services in your area, and the price you pay will depend on what you need.\nGenerally, locksmiths charge between $50 and $180 per visit, and these costs include the locksmith’s overhead, insurance, and travel time. The cost can vary greatly, depending on the type of lock you need and the number of locks you have. It can cost anywhere from $80 to $300 per lock, and the price can go up significantly if you need an emergency locksmith.\nThere are several methods to find a reliable locksmith near me. One way is to ask around for recommendations. Chances are, your neighbors need a locksmith once in a while. If your neighbours have had a good experience with a locksmith, then they are likely to recommend them to others.\nSecondly, look for a locksmith who is certified by the relevant body. Usually, locksmiths who have certification will ask for identification and signature.\nWhen choosing a locksmith, be sure to check their credentials. This should include their master security license number and a photo ID card. You should also check if they have a business license from your state. If a locksmith is not properly licensed, it’s best to move on. It’s also important to check the cost of their services.\nIf possible, opt for a family-owned business. This type of locksmith will prioritize your security and support the local economy. In addition, you can also read online reviews or ask family members, friends, or neighbors. It is important to choose a locksmith who has received positive reviews from other customers. A reputable locksmith will also be a member of industry associations.\nHiring a locksmith can be costly. On average, you can expect to pay between $100 and $200 per lock change. However, this can change depending on the type of lock and the number of locks you need changed. Additionally, if you need an emergency locksmith, this fee can reach $300. Also, the cost can vary depending on the time of day you need the locksmith.\nBefore hiring a locksmith, make sure to get an estimate first. Then, be sure to confirm all of the services they provide and discuss any special requests you have. Check their licensing and insurance as well.\nSome locksmiths offer discounts to customers who make an appointment for the same day. This is especially important for customers who live outside the area but need a locksmith service. In this way, they can save money on gas. Other locksmiths may refuse to offer discounts but you should never give up asking for a lower price.\nPrices for locksmith services vary greatly depending on what they do. A rekeying service will cost around $50 to $100 and will require a locksmith to rearrange the pins in the lock cylinder. You can also opt for an electronic system, which costs anywhere from $150 to $400.", "label": "No"}
{"text": "I work with both public utility companies and private landowners to negotiate, transact, and register statutory rights of way for mobility and telecommunications uses (cell phone towers).\nWhen new installations are being contemplated, I review and advise on the current interests and charges on the respective titles and work with the parties and their engineers to find a mutually beneficial legal arrangement for these long term installations.\nRequest A Callback\nWhy You Need to Hire a Real Estate Lawyer?\nTeaching legal update across the province, I often notice regional differences in how real estate transactions are done A couple of the questions I am...\nWelcome to the B.C. Real Estate Blog\nThis blog will attempt to be a valuable resource for Realtors, Buyers, and Sellers of real estate in the Province of British Columbia...\nProperty Transfer Tax – Related Induvidual Exemption\nOne of the limited exemptions to paying property transfer tax occurs where the Seller is related to the Buyer However, for this exemption to apply, th...", "label": "No"}
{"text": "A commoner might need the services of a courier sending out provider from time to time. The majority of the amount of times one may certainly not be actually certain about whom one would yearn for to select to obtain this job carried out. There are umpteen varieties of messenger solutions on the market, but equally as every other organisation there are actually a handful of firms which cost the cost. The best fundamental part of a carrier delivery company is actually that they need to supply the products at the destination at the correct time. The package should also maintain its initial condition and also ought to not be hampered with or mishandled. Every human creature obviously will reconsider prior to paying out cash on something.\nThere are actually a couple of extremely necessary suggest be kept in thoughts before choosing the courier service:\n- The record of the provider. How good is the company? How is the client total satisfaction?\n- The courier service must be vast array enough to provide your deal at the destination you require it to be supplied.\n- All the extra and essential services you need to have should be actually provided by the company you find.\n- The carrier provider ought to have a good track record for performing at the correct time. No one would love to decide on a carrier shipping solution where they are actually notoriously widely known for delaying the shipping.\nIt is very important to carry out some in-depth investigation concerning the business and also its own background. It is incredibly apparent that the client undoubtedly values the goods that they prefer to send out through messenger. There are actually numerous different forms of carrier solutions which are delivered through firms like Hot Shot Delivery, Same Day Courier, and also Same Day Messenger Courier Delivery and so on\n. Same Day Courier:\nWhat this sort of courier service performs is that the delivery of the package is actually done within 24 hours coming from the moment the companies get the package deal. This is an incredibly effective and time conserving way of couriering deals within your metropolitan area bounds. This is actually typically utilized when one does certainly not possess the amount of time to go and also offer the bundle directly to the desired person. This is also very affordable as you may certainly save money on the travel costs you will need to bear if you most likely to supply the package yourself. This ends up a lot more cost efficient.\nIt is essential for one to search for courier services which perform certainly not offer services at very exorbitant fees. Nor should one opt for some carrier services which appear to give services at a remarkably inexpensive expense, as the protection of your plan would certainly be compromised.\nCourier Service Provider\nCarrier solutions are actually extremely helpful solutions which aids to transfer products or items of a variety of types that could be actually needed to be actually provided urgently, carefully or inconspicuously. The items that need to become couriered might be actually something valuable like- cashier's check, lawful service records, mail order things, movies and strips, art pieces or even breakable products like pc screens. In reality there are actually special health care messenger firms that carry medical items, blood examples, body organs and therefore on.\nIn a 24 hr carrier delivery, typically the products are grab from one organisation as well as provided to an additional company site within a hr approximately. They additionally do home pick-ups as well as distribution. Messengers can deliver a number of containers, packages or even nearly anything that can easily match a truck. Heavier body weight typically is going to be actually held in a vehicle, however bigger messengers' likewise use get trucks. Likewise in boasted areas even more bikes are actually used for carrying the products having said that for longer spans like domestic distributions air carrier services are made use of.\nThere are bunches of carrier providers in the market that provide a 24 hour carrier solutions as well as provide online quotes. However there are actually few traits that you need to always remember while opting for a company. This kind of company typically rely on where you are actually positioned usually a carrier business bills added for such a solution. Nevertheless, over the last few years due to improved Fedex as well as Ups local exact same day deliveries could be much less costly as well as with faster transportation opportunities. Numerous courier business's companies have boosted as well as they also make it possible for some wonderful competitors to their customers.\nIf your on the watch out for a messenger company you have to yearn for to recognize whether it supply 24 messenger Richmond Courier Service, urgents do come without prior notice, so it's a really good concept to recognize about the companies before palm. Typically all the huge courier business give 24 hrs a time as well as 7 days a week consumer help. Therefore it is constantly better to discover a carrier provider along with really good credibility and also within your city so in order to guarantee their plans and also solutions are actually much more inexpensive. In places like Malibu, Los Angeles, Long Beach, Carson, Hollywood, Century City and also Beverly Hills there are lot of messenger carriers delivering 24 hr company like Clock Work Express or Courier Brokers which may be effortlessly accessed to, via net.\nOne point, that is actually constantly in our minds while picking a carrier solutions is actually: the cost billed by all of them for their company, be it for 24 hr's courier service or a routine courier along with frequent carrier transportation opportunity. Typically, a smaller sized carrier company does not use night and day courier service however it could function out for your conveniences in the long operate if you need to have to deliver messengers regularly. This is given that it is actually a known truth that much bigger firms which could have 24 hour service fee even more for their services than their smaller counter parts.\nA Discussion on Courier Services\nMessenger and also Richmond Courier Services! These two terms are quite acquainted to practically every one of you reading this short article, isn't it?\nCarrier is a sort of mail that supplies parcels and also characters coming from one the source area to the location area at a much quicker rate and safety. Furthermore, messenger services include the facility of internet monitoring, expertise according to company classifications, opportunity commitments and so on\n. The above pointed out components produce carrier solutions a completely different kind of mailing solution about the normal post. The attributes as well as high centers likewise make the carrier solutions a much expensive form of mailing company in contrast to the common mailing service VA\n. Carrier companies consist of appropriate product packaging of the packets and even letters and afterwards they get disposed for the destination. The significant benefit of the messengers is actually the rapid solutions they supply for. Add to it the dependability and also assured shipping of the parcel without any damaging. An additional added perk is actually that while the receiver obtains the plot with couriers after that the indicator from the recipient's approval is actually taken on the parcel newspaper as well as also upgrade treatment is actually performed on the outlining software programs readily available at the internet Norfolk.\nCarrier solutions are actually mostly of 2 different types:\nWhile availing the national services of messengers lets you send parcels, letters or even every other factors merely in position positioned in the particular country of your existing staying status, the international messenger companies lets you dispatch tracts as well as some other factors inside your country of staying also throughout any areas around the world.\nIt is necessary to know that certainly not all worldwide messenger solutions can easily supply in each part of the planet. Unless they have their branches situated in those details worldwide countries as well as continents, they do not get capable to supply the cartons.\nNonetheless, there are some chosen reputed global carrier companies which may provide parcels merely throughout the world. These specific messenger companies are renowned for their wonderful and also effective service standing. Labels of a number of the global carrier providers those promotion companies virtually anywhere in the globe are actually FedEx, DHL, TNT N.V., Aramex, and so on\n. While you choose some particular messengers to provide your packet, at that point the 1st possibility you will certainly be actually asked is actually the style of carrier transport solution you wish your parcel to make use for to connect with the made a proposal location. Carrier transport solution generally recommends to the medium or even setting of journeying of the package coming from the resource to the destination. Normally, carrier companies include 3 methods of taking a trip: Railways, Airways, and Roadways. Having said that, certain state-of-the-art carrier companies additionally have transportation locations accessible in the kind of rivers Richmond.\nThe Importance of Courier Services at Corporate Organizations\nMessenger companies are those services that offer door to door shipping and also freight of your plans which might include any type of type of traits straight from cloth to publications, CDs, as well as papers to letters. Couriers are mostly mail however they attend to additional delivery services of other products also which typical mailing services fail to attend to.\nAlthough a bit extra expensive than the typical mailing solutions, but the courier companies offer rapid delivery of the components as well as additionally dependability and also toughness of the component and also item. They are actually generally personal located while the local mailing service is run by the federal government of the country.\nJust about every association like to make use them rather than the regular mailing service because of the prompt solutions these exclusive provider attend to. The quick delivery opportunities are the important things that entices the interest of the business bodies to make use the carrier services for delivering various components featuring letters as well as records to numerous components of the world.\nNevertheless, just before involving some certain messenger services for your business's cargo works, you need to have to verify specific realities regarding those details services Charlottesville.\nThe primarily standards should be actually to examine the kind of companies that the selected ones can give for. It is actually far better to select for those messenger providers those who may provide for both residential also international delivery of materials. Furthermore, the carrier business should able to provide for the companies according to the requirements and demands of the institution Roanoke.\nNext off, the frequency and time demanded for the cargos to become carried out need to be confirmed as well as asked about. If your company demands for specific spec regarding timing, at that point you require to make clear as well as create the messenger services know concerning your demands in a clear means.\nLikewise, your organization needs to have to review the charges of numerous courier companies relying on the shipment of the components at different places both regional, domestic at the same time worldwide and also at that point merely select the one that is very most proper depending on to the institution's necessities.\nThe price and also costs are necessary due to the fact that an organization requires to deliver great deal of components on daily manner through the indicated jobs. As a result, if the shipping costs are actually very higher, then the company might discover it not successful to make use the company of the defined carrier business. The association may select a few other messenger companies those that can give the comparable kind of solutions at some lessened prices.\nIt is also necessary to possess a look at the form of product packaging these carrier business attend to while performing the cargo. The packaging should remain in such a manner in which it ought to not hamper the material or damages a bit of the products. Otherwise, the materials may end up being worthless. These traits require to get validated while engaging the particular messenger companies to team up with the company.", "label": "No"}
{"text": "International Security and Nonproliferation Bureau Hosts Kenyan Delegation\nAssistant Secretary of State Thomas M. Countryman welcomes a senior-level Kenyan delegation to Washington, D.C. from April 30 – May 5, 2012 for a Legal-Regulatory Implementation Workshop on Strategic Trade Controls and Border Security. The Bureau of International Security and Nonproliferation (ISN) will host the Kenyan delegation, which will be led by the Assistant Defense Minister of Kenya; Major General Joseph Nkaisserry (retired). Ambassador Ochieng Adala, Executive Director of the Africa Peace Forum, and other senior Kenyan officials involved in strategic trade control issues will also participate in the workshop.\nThe training, supported by the Export Control and Related Border Security (EXBS) program, is organized by the Center for International Trade and Security at the University of Georgia. The five-day workshop will cover the spectrum of issues pertaining to the development, implementation, and enforcement of an effective strategic trade control and border management system in Kenya, which will advance the dual goals of improving international security and fostering sustainable economic growth.\nThis visit provides a unique opportunity to discuss the fundamentals of an effective strategic trade control system with key Kenyan legislators and government officials and to help them incorporate strategic trade controls into future legislation.", "label": "No"}
{"text": "Display all pictures\nCondition: New product\nThis Ermax screen personalises your motorbike and improves your protection. You can choose one of our different colours available.\ndelivered with: fixing kit assembly instructions\n134.90 CHF tax incl.\nThe normal delivery time is 10-15 working days (at minimum)\nWarning: Last items in stock!\nThe minimum purchase order quantity for the product is 1\nAdd to cart\nTweet Share Pinterest\nBy buying this product you can collect up to 15 loyalty points. Your cart will total 15 loyalty points that can be converted into a voucher of 3.00 CHF.", "label": "No"}
{"text": "The United States Tax Court is a judicial forum for the resolution of a variety of federal tax disputes, including disagreements regarding the results of an IRS audit.\nThe IRS will send the taxpayer a ’90 day letter’ also called a ‘Notice of Deficiency’ giving the taxpayer the ability to file a petition in US Tax Court following an appeal to IRS in which the taxpayer and IRS cannot settle.\nAfter the filing of the Tax Court petition, the matter is usually sent back to IRS Appeals for resolution without going to trial. If the parties cannot settle at this level, then a trial is held in Tax Court.\nThe primary advantage to litigating a proposed deficiency in this court is that a taxpayer may file a petition in the U.S. Tax Court without first paying the proposed tax or penalty in dispute.\nTrials before the U.S. Tax Court are subject to ?de novo? review of the IRS determination where the liability is in dispute. This means that taxpayer is afforded a fresh review. In that court, the taxpayer can offer evidence concerning their tax matters, even if that evidence was not submitted during the original income tax audit.\nHow the U.S. Tax Court System Works\nThe U.S. Tax Court has its own set of rules of practice and procedure that are distinct from the rules in U.S. District Courts or state courts.\nThe U.S. Tax Court is based in Washington, D.C., but holds trial sessions in major cities throughout the country. In California, trial sessions are held in San Francisco, Fresno, Los Angeles and San Diego.", "label": "No"}
{"text": "One of the most-sought after names in the digital marketing industry, WebsiteOperators is now offering a range of website marketing services at the most competitive prices. The wide array of services they offer include search engine optimization, search engine marketing, pay per click management, social media optimization and many others. Availing their website marketing services can benefit individuals in enhancing the visibility of their clients business over the web, and gaining new customers for their products and services. Moreover, their services even benefit business owners in improving their business growth and enhancing their ROI. Entrepreneurs planning to expand their business reach beyond domestic boundaries can count on WebsiteOperator's experts for their varied needs.", "label": "No"}
{"text": "【題目】Young readers often find the novels of Dickens than Thackeray's.\nA.far more excitingB.even much exciting\nC.so more excitingD.a lot much exciting\n【題目】It is easy ________ the consequences of unchecked plant disease: food shortage could kill millions of people and cause unrest in the world.\nA.imagineB.to be imaginedC.imaginingD.to imagine\n【題目】Our parents sat us down to read and paint________all we really wanted to do was to make a mess.\n【題目】Harry _____ to take violin lessons when a friend of his father’s played for him.\nA.inspiredB.inspiresC.was inspiredD.is inspired\n【題目】The trend of China’s economy to _______ sound development in the long term remains unchanged.", "label": "No"}
{"text": "Reviewed By Roger W (Columbus, MS) Reviewed for a 2012 Hyundai Veracruz —7/13/2014 6:32 AM\nLove the fit/look of this sun shade. It's a little large when folded but a small price to pay for the protection it provides. Buy it...you will like it.\nReviewed By Timothy C (SEFFNER, FL) Reviewed for a 2014 Hyundai Elantra —7/13/2014 5:32 AM\nThis sun shade covers every square inch of the windshield. It's thick and sturdy, but not heavy. Quick to install and take down because it folds up easy. It seemed pricey for a sun shade, but now that I have it, it's worth every penny.", "label": "No"}
{"text": "Real Estate Agent at\nHome Real Estate\nPamela is a SFH expert - working with over 66% more single family homes than the average Brighton agent.\nPamela also has Townhome expertise - working with over 5 more townhomes than the average agent.\nPamela has great Condo experience - having sold 25 more condos than the average agent.\nMore about Pamela Carrillo\nPamela is a real estate agent with Home Real Estate. Pamela has been in the real estate business for 16 years. Pamela is a single family home expert. We’ve recorded data for 165 of Pamela’s transactions. Pamela prefers to work with both sellers and buyers. Here’s a little about Pamela’s real estate experience: - Pamela has sold homes for as much as $675,000. - this real estate agent is skilled in fast home sales: they have listings that have sold in as little as 14 days. - Pamela is a top dollar real estate agent. Pamela has completed 70 transactions in Brighton. HomeLight considers this real estate agent a closer because they have sold 68 more homes than the average agent in the area.\nSells Homes Fast 2020\nPamela Carrillo's Reviews & Ratings\nTell us about your experience with", "label": "No"}
{"text": "Happy Ebay Bidders\nMy email address is bayarea[at]optonline.net for\ncorrespondence on my\nauctions. If you have any questions regarding an auction please\nfeel free to email\nebay member since\n: Friday, Aug 27, 1999\nMy Buyers Need to\nI do not take Personal Checks anymore. The\ntime lag to complete a transaction was becoming to burdensome.\nI take U.S.\nPostal Money Orders\nI will also take bank Money Orders or\nWhen you send payment please include your\n4. item name\nso that I can get\nthings sorted out more quickly.\nIt also helps\nif you put the ebay item\n# on any correspondence.\nI Ship mostly on Tuesdays, and\nThursdays. Money Order payments will\nship on the next\nshipping day after I receive the check. Electronic Payments may\nOf course this\nschedual is flexible depending on my family's schedual\nfor the week.\nI ship all my auctions Priority Mail\narrangements are made.\nInternational Bidders are\nbidders must pay by\nShipping for non-US addresses my or may-not be with US", "label": "No"}
{"text": "Our client, a US-headquartered, world’s first smart workspace, with more than 600 million registered users across 180 countries, aimed at delivering superior customer experiences across all the digital touchpoints. The enterprise wanted to enable an automatic transfer of files from its users to the client's cloud-based service.\nHCLTech proposed solutions to overcome the customer legacy issues, which involved modernizing the platforms to achieve scalable integrations, compliance with performance objectives, business enablement, and access to key insights. This benefited the client with reduced time to market, easy and flexible control over the business, high performance, consistent marketing experience across all channels of communication, and more.\nTo learn more, read the detailed case study.", "label": "No"}
{"text": "Postgraduate Mathematics Preparation\nEssex Business School\nPostgraduate: Level 7\nThursday 08 October 2020\nFriday 18 December 2020\n25 June 2020\nRequisites for this module\nMSC N42012 Accounting and Finance,\nMSC N42024 Accounting and Finance,\nMSC N31012 Banking and Finance,\nMSC N31024 Banking and Finance,\nMSC N30012 Finance,\nMSC N30024 Finance,\nMSC N39012 Finance and Investment,\nMSC N39024 Finance and Investment,\nMSC N30212 Finance and Management,\nMSC N30224 Finance and Management,\nMSC N34212 Financial Engineering and Risk Management,\nMSC N34224 Financial Engineering and Risk Management,\nPHD N30048 Finance,\nMACCN440 Accounting and Finance,\nMACCN441 Accounting and Finance (Including Placement Year),\nMACCN442 Accounting and Finance (Including Year Abroad)\nThere are two key aims of this module. The first is to cover topics in mathematics that are likely to be required in finance modules at Master's level at Essex Business School. It focuses on basic algebra, compounding and discounting, calculus, and some optimization. Little or no previous knowledge will be assumed for this part.\nThe second is to give an overview of the mathematical tools that are used in financial journal articles. This involves linear algebra, optimisation and optimal control theory, and integration and differential equations. Previous knowledge is useful, but it is not expected that the students should master the techniques covered in this module. It is nonetheless useful that the students gain a basic understanding of the tools used in the finance literature.\nThis module is compulsory for finance degree students on the MSc Banking, MSc Banking and Finance, MSc Finance, MSc Finance and Investment, MSc Financial Engineering and Risk Management, MSc International Finance programmes and MSc Finance and Data Analytics; and and for the MSc Accounting and Finance and MSc Finance and Management programmes.\n• To revise or teach basic mathematical skills required in finance modules at Master's level at EBS\n• To introduce mathematical tools commonly used in finance journal articles\nBy the end of the module, students should be able to:\n* Solve basic algebraic problems\n* Calculate present and future values\n* Handle nonlinear functions\n* Differentiate functions to find marginal values\n* Identify the minimum and maximum points of functions\n* Understand the basics of optimisation under uncertainty\n* Understand differentiation and integration\nSkills for Your Professional Life (Transferable Skills)\nThe mathematical techniques taught during the module will be useful not only during your Master's programme and future academic activities, but also in your professional life.\n* Some of the methods taught will be directly applicable in professional financial roles\n* More generally the mathematical skills you obtain in the course will help with problem solving tasks in professional life\nNo additional information available.\nThis Module is normally delivered through:\na 2-hour lecture and a 1-hour class each week. Students will be allocated to a specific class and attendance at classes is compulsory and will be monitored.\nIn academic year 2020-2021 the delivery is likely to be different and involve online learning.\nThis module does not appear to have a published bibliography.\nAssessment items, weightings and deadlines\n|Coursework / exam\nModule supervisor and teaching staff\nDr Norvald Instefjord, email: firstname.lastname@example.org.\nDr Nikolaos Papanikolaou\nSenior Lecturer in Accounting & Finance\nAvailable via Moodle\nOf 30 hours, 23 (76.7%) hours available to students:\n7 hours not recorded due to service coverage or fault;\n0 hours not recorded due to opt-out by lecturer(s).\n* Please note: due to differing publication schedules, items marked with an asterisk (*) base their information upon the previous academic year.\nDisclaimer: The University makes every effort to ensure that this information on its Module Directory is accurate and up-to-date. Exceptionally it can\nbe necessary to make changes, for example to programmes, modules, facilities or fees. Examples of such reasons might include a change of law or regulatory requirements,\nindustrial action, lack of demand, departure of key personnel, change in government policy, or withdrawal/reduction of funding. Changes to modules may for example consist\nof variations to the content and method of delivery or assessment of modules and other services, to discontinue modules and other services and to merge or combine modules.\nThe University will endeavour to keep such changes to a minimum, and will also keep students informed appropriately by updating our programme specifications and module directory.\nThe full Procedures, Rules and Regulations of the University governing how it operates are set out in the Charter, Statutes and Ordinances and in the University Regulations, Policy and Procedures.", "label": "No"}
{"text": "Brian F. Moyer is the program assistant with Penn State Extension. He is also a past board member of PASA (Pennsylvania Association for Sustainable Agriculture) and a past board member of APPPA (American Pastured Poultry Producers Association) as well as former Director for Rural Vermont, a farm advocacy organization. Moyer was the founder and manager of the Skippack Farmers Market located in Montgomery County. He and his wife Holley own and run Green Haven Farm and raise grass-fed livestock on their 27 acre farm just outside of Fleetwood, PA. Since 1998, they've sold chicken, eggs, lamb, pork, and goat to restaurants, CSA's, farmer's markets, and at their farm.\nPosted by David Eddy|October 16, 2019\nBy Carol Miller|October 16, 2019", "label": "No"}
{"text": "A custom-built solution for every partner\nIn 2009, AVATH Ermitage initiated its laundry activities, aiming to make the installation a tool at the service of the workers, not an objective in itself. Electrolux Professional was chosen to accompany the association in this process, which places people at the heart of the project. Currently, 700 kg of laundry is processed each day, but they foresee a gradual increase in the future. “We had to find a balance between volume and work force. Our mission is first and foremost to integrate people with disabilities into the labor market,” recalls Claude Baud, the co-director of the site.\n“Electrolux Professional has proven to fully comply with ESAT’s standards. The brand is highly revered within the industry for the service it offers its clients. Maintenance is left in the hands of the authorized dealer who assures us regular upkeep. All of the equipment is reliable and the ergonomics of the Pullman washer is perfectly designed for easy loading / unloading operations. Everything is assembled to provide real comfort!”\nIn order to fully equip the site, the association worked in steps, making the first investment in 2009, with the purchase of three barrier washers, two dryers and an ironer. Then in 2015, a second investment was made for additional equipment: a 70 Kg barrier washer and the replacement of a manual ironer with a semi-automatic one. The association did not hesitate involving the company Auditextyl twice during the installation: the first time to initiate the laundry process and the second to refine the procedure. Everything was therefore brought together to guarantee the success of the structure!\n“Why Electrolux Professional?”\nClaude Baud – Co-director\n“We have been working with Electrolux Professional since the beginning. The quality of this relationship has been a key element throughout the project, they have helped us with the design and layout of the site. Which of course included the choice of equipment, its set-up, as well as the necessary maintenance.”", "label": "No"}
{"text": "Today we are looking at media coverage of Natural England’s announcement on the declaration of the Mendips ‘super’ National Nature Reserve.\nToday we are looking at coverage of a consultation launched on Saturday on banning wet wipes that contain plastic.\nAn article in the Telegraph (14 October) picks up on comments made by Natural England chair Tony Juniper on X (formally Twitter) regarding media reports about the role of housebuilding on scrubland. The Telegraph also includes criticism from some quarters that Tony is opposed to housebuilding.\nAn article published in The Times today covering Environment Agency inspections has said checks on water companies and individuals are drawing too much water from English rivers and aquifers have fallen over the last four years. At the same time, …\nAn article published in the Guardian today covering road pollution has said there is no monitoring by regulators of thousands of outfalls and soakaways on the country’s road network, and that the scale of the impact for the wildlife the …\nThe Consumer Council for Water has today published a report on the complaints made to water companies in England and Wales by households in 2022-23 and several media outlets including the Independent, Mirror, Sun, Telegraph and Guardian have covered it. …\nToday we are looking at coverage following the introduction of restrictions on commonly-littered single-use plastic items on Sunday.\nToday water companies are publishing draft business plans which set out their proposed spending from 2025 to 2030.\nToday we are looking at media coverage of the State of Nature Report 2023\nNew changes have been brought to the Levelling Up and Regeneration Bill (LURB) to help better protect England's chalk streams", "label": "No"}
{"text": "One of Europe's market leaders in the development, marketing, and distribution of high-quality aluminum systems for windows, doors, sliding elements, curtain walls, and roof systems. The company provides aluminum building systems to Latvian and Estonian producers.\nThe client needed to modernize on-premise IT infrastructure located in the Polish site, including the implementation of Aruba Central, Aruba Clearpass, Simplivity, and 2FA to increase redundancy and security for critical production systems.\nWhat we did\n- Designed and implemented the new hardware as part of the designed IT Infrastructure solution along with procurement and delivery services\n- Successfully replaced legacy infrastructure within 3 months\nBenefits for the client\n- Increased redundancy and security in terms of local IT infrastructure\n- Decommissioned legacy hardware and introduced premium warranty equipment\n- Increased availability and capacity of modernized infrastructure\n- Greatly reduced potential risks with regards to environment’s stability/failures.", "label": "No"}
{"text": "Filibuster Deal and Stand Your Ground\nThe U.S. Senate reached a deal to avoid the so-called \"nuclear option,\" which would've changed Senate rules and prohibited filibuster on nominees. The new deal will allow nominations to face an up or down vote. Host Ben Kieffer talks with Wayne Moyer of Grinnell College and Tim Hagle of University of Iowa about the deal and what it means. They also discuss calls to repeal \"stand your ground\" laws in the wake of the George Zimmerman acquittal.", "label": "No"}
{"text": "Ten days after Google Inc. launched Chrome, the new browser’s share of those used it to reach Computerworld’s Web site has dropped from a peak of 9.7 per cent right after it was released and stabilized at between 5 per cent and 6 per cent.\nComputerworld ‘s data mirrored the trend pegged by Net Applications Inc., a U.S.-based Web analytics vendor that has been tracking Chrome’s market share since the browser first appeared. Net Applications’ hour-by-hour logs also show Chrome’s numbers declining slightly from last week.\nChrome, which Net Applications had at a 1 per cent share within hours of its launch, peaked at Computerworld with 9.7 per cent on Sept. 3, the day after it debuted. On Sept. 4, Chrome grabbed third position, accounting for more visits to computerworld.com than Apple Inc.’s Safari. It could not hold that spot, however, slipping to 5.7 per cent the next day, behind Safari’s 7.4 per cent.\nAlthough it recovered over the weekend — reaching 6.5 per cent on Saturday and 6.6 per cent on Sunday — Chrome’s share of Computerworld visitors dropped again to 5.7 per cent on Monday, then ticked up to 6 per cent the next day before falling again to 4.8 per cent on Wednesday. Through about mid-day today, Chrome accounted for 5 per cent of the browsers used to reach the site.\nHowever, Computerworld’s numbers differ from those generated by Net Applications in one important aspect. Where the latter argued that Chrome’s gain had come exclusively at the expense of Internet Explorer (IE) — and that others, including Firefox, Safari and Opera, also stole share from IE — Computerworld ‘s data showed that Google’s share came at the expense of both IE and Firefox. Comparing the average share of IE, Firefox and Safari before Chrome debuted to the average share after showed that, at computerworld.com , Google’s browser ate into the numbers of both IE and Firefox. Microsoft’s browser, for example, dropped 5.5 percentage points, while Firefox slumped 2.4 percentage points. Apple’s Safari went against the grain by boosting its share by 1.6 percentage points from its pre-Chrome average.\nThe fact that Firefox joined IE in giving up share wasn’t surprising, since Computerworld , like many technology sites, regularly counts a much higher percentage of Firefox users than the Internet average. Specifically, Firefox’s share on Computerworld is more than double the Web average as tallied by Net Applications for August.\nGoogle launched Chrome as a beta for Windows XP and Vista last week. The browser can be downloaded from here.\nComputerworld also tracked the course of IE8, which was updated by Microsoft Corp. to Beta 2 on Aug. 27. IE8 — both Beta 1 and the newest Beta 2 — was only slightly affected by the debut of Chrome. Prior to the new competition from Google, IE8 accounted for 1.4 per cent of the browsers used to visit the site; after Chrome’s launch, IE8’s share declined slightly, to 1.1 per cent", "label": "No"}
{"text": "This category is about organizations formed by governments (at all levels: national, state, provincial, municipal), government officials, legislators, and parliamentarians to work together in pursuit of common goals or to advance their skills/abilities in the \"business\" of government.\nA charity which supports sustainable rural community development and thus alleviates rural disadvantage in England. Includes information on current projects and events, plus related links.\nPolitical organization of the regions of Europe and the speaker for their interests in Europe and beyond.\nNational not for profit non government organization.\nAssociation for persons interested in the access to information and privacy legislation in Canada.\nCanadian non-profit collaboration between business and government, coordinates improved Internet access and network connectivity throughout the country, established 1993. Details of CA*net4 optical network at 10 Gbps. In English and French.\nState of Washington CAPAA.\nAn association of individuals, agencies and organizations, which comprise the international community of professional and occupational regulation.\nA non-profit membership organization of counties and cities that host, or are significantly impacted by U.S. Department of Energy (DOE) facilities\nRepresenting interests of federal executives, managers and supervisors in the Federal Government\nThe Union is the focal point for world-wide parliamentary dialogue and works for peace and co-operation among peoples and for the firm establishment of representative democracy.\nObjective to promote and advance sustainable democracy and to improve and consolidate electoral processes world-wide.\nThe only national organization that represents county governments in the United States\nMission to promote effective and efficient administration of human services through active participation by state and federal fiscal officers in policy and procedural planning.\nThe national organization representing the ten field management associations in the Social Security Administration\nGovernment leaders and Members of Parliament work together across borders to affect issues with global impact.\nOrganization for US public affairs professionals. Scheduled conferences, news for lobbyists, password-protected member login area.\nDedicated to improving the knowledge and expertise of individuals in the planning and management of government meetings\nOffers support to U.S. offices of IG professionals.\nThe Norwegian Association of Local and Regional Authorities (KS) is a national members' association for municipalities and county municipalities.\nWorks to make the government an employer of choice for talented Americans. Includes an FAQ on how to apply for a job with the Federal government.\nEndeavors to protect and preserve monuments and buildings in Europe associated with the heritage of U.S. citizens. Reports to Congress, and a by-country list of projects.\nThanks to DMOZ, which built a great web directory for nearly two decades and freely shared it with the web. About us", "label": "No"}
{"text": "Regional German cuisine with classic French and local influence for down-to-earth connoisseurs and Gourmet-friends - perfecty complemented by a selected choice of wines.\nFrom breakfast to dinner - our kitchen team attaches importance to diversity and regionality. Enjoy different cold cuts of the region and finest coffee of the traditional roastery \"Huth\" in Celle for breakfast. Our menu consist of regional and seasonal fresh products, for example\nthe German Heath roast of the \"Tewes\" farm in Schmarbeck or asparagus of the \"Witthöft\" farm in Wietzendorf. Our offer is complemented by seasonal events, festive menues and buffets for your celebrations, a selected choice of wines and an attentive service.", "label": "No"}
{"text": "One of the mysteries of the English language finally explained.\n- ‘According to socioecologists, who look at the natural environment to explain social dispositions, the optimal condition for the evolution of egalitarianism is dependency on cooperation combined with the option to leave the group.’\n- ‘We could say, to be short, that some activists are focussing on biological considerations while others are taking into account the human and social aspect of ecology (they tend to qualify themselves as socioecologists).’\n- ‘In some regards, Darwins theory of evolution can be considered an application of free market principles to nature, subsequently reapplied to social behaviour by socioecologists.’\n- ‘Socioecologists argue that men, women, and children have to share food in order to ensure the long-term survival of the group.’\nTop tips for CV writingRead more\nIn this article we explore how to impress employers with a spot-on CV.", "label": "No"}
{"text": "The highest value lighting supplier based in the Pacific Northwest. Retrofit Supplies is a distributor of commercial/industrial LED lighting products, controls and lighting supplies. We specialize in lighting products that meet local utility rebate program requirements and participate in direct upstream rebate programs as well, including the 2022 PNW Lighting To Go program, which includes Seattle City Light, Puget Sound Energy and Snohomish County PUD utility territories. We welcome all wholesale, commercial and government customers to engage us to find appropriate and cost-effective lighting products to meet your required project specifications. Our team is available to answer any questions you may have. Whether you have a product inquiry, quote request or you're wanting to purchase over the phone, our team is always available to help. Please use our contact form and we will quickly respond to your needs.", "label": "No"}
{"text": "The Permaculture Project GTA- A Permaculture Hub\nWhat TPPGTA is about\nThe TPPGTA`s vision is to cultivate and harvest a continually growing collective wisdom. We believe this wisdom comes from across all disciplines, from an accurate history and engaging everyone especially our elders. We plan to transform the city from a food dessert to a thriving agricultural centre project by project.\nWe will create links between the community organizations, community members and the communities.\nOur goal is to facilitate programming in the GTA to educate and train people to understand and use permaculture. Through our Permablitz program we share the practices and methods we have used for years right here in the GTA. Our Conference happens twice a year and celebrates our successes and keeps us interconnected to continually harness the collective energy it takes to make the changes we want to see.\nIn everything that we do, we apply permaculture.\nThis Hub will give individuals the ability to design their own environments and build increasingly self-sufficient human settlements — ones that reduce our reliance on industrial systems of production and distribution and that are identified as fundamentally and systematically destroying the Earth's ecosystems", "label": "No"}
{"text": "EDI Clearinghouse Services\nHelping receivers, submitters and vendors streamline their business\nWorkCompEDI is the workers’ compensation, auto and personal injury / no fault market leading billing clearinghouse vendor, bringing together submitters, receivers, and vendors through a single connection point to enhance two-way communication, reduce costs and accelerate revenue cycles.\nWorkCompEDI solutions streamline jurisdictional ASC X12N 837 processing of Workers’ Compensation and Auto Medical bills, along with supporting attachment documents, to the largest offering of electronic connections in the industry. Partners experience reductions in manual mail processing and lower costs. More automation provides enhanced billing accuracy and shortened payment cycles.\nReduced expenses and increased staff productivity become a bonus to finding that connectivity for enhanced billing services to the workers’ compensation industry has finally been simplified.\nKey Service Features\nSubmitters (Providers, Clinics, Hospitals, Pharmacies)\nWhether you seek to send send professional, institutional, dental, split or other billing quickly for the fastest possible reimbursement, or you are looking for ways to enhance your existing billing processes by validating your transactions more efficiently. WorkCompEDI’s all-Payor clearinghouse delivers value added eBilling services that will enhance your billing processes. Eliminate lost medical billing and uncertainty regarding bill status. Boost productivity and gain insight into why bills are rejected and receive clear, plain-English instructions on what to correct.\n- 3,100+ electronic delivery routes available (2,800+ direct)\n- Low per-bill processing fee with no cost for attachments\n- Up to fifty (50) page attachments per bill accepted\n- No setup fees, no monthly fees and no hidden costs\n- No long term contracts (month to month service)\n- Print & mail service for non-EDI routes offered at same cost as EDI (no additional fees for postage)\n- Use your existing practice management software tool to submit billing to WorkCompEDI\n- If not connected today, we will work with your vendor to get connected at no cost to you\n- Free access to our web billing dashboard system iCompEDI®\n- Advanced pre-adjudication scrubbing assist submitters in reducing erroneous bill submissions.\n- Toll free support available to investigate challenges with transaction payments\n- Enhanced integration and relationships with receivers help accelerate resolutions to challenges\n- Robust electronic responses provided by receivers\n- Electronic 835/EOR’s returned\n- Electronic Secondary Bill Review (SBR) submission to over 1,800+ receivers\n- Streamline your submissions process and see every step of the process\nReceivers (Payors, Bill Review & Employers)\nWorkCompEDI offers comprehensive and flexible clearinghouse services that address HIPAA transaction requirements, delivers flexible capabilities along with robust solutions for the provider community to actively increase EDI volumes and enhance auto-adjudication.\nAs the work comp industry’s pioneer of flexible EDI clearinghouse services, WorkCompEDI brings decades of EDI know-how to receiver partners, enhancing the opportunity for them to avoid typical pitfalls.\nWhether it be individual submitters, other clearinghouses, practice management/EMR software vendors, or other third parties, WorkCompEDI provides a single connection point, allowing a submitter to use an array of formats and connectivity methods thus reducing a payor’s need to supply resources and expenses in an effort to achieve higher EDI penetration.\n- Support over 3,100+ electronic connections for receivers today (2,800+ direct)\n- Single connection point to entire work comp market\n- Highly flexible EDI Umbrella services provide partner simple directive point for new EDI submission requests\n- EDI conversion recruitment services provided to all clearinghouse partners\n- Active recruitment of partner’s paper submitters by WorkCompEDI staff\n- Activity metrics provided ongoing through SalesDeskCRM™ recruitment systems\nTo learn more, please call our dedicated sales staff at (800) 297-6909, or email us at email@example.com.[/fullwidth8", "label": "No"}
{"text": "Cost To Install light fixture travis air Force Base 94535 Cost To Install New Light Fixture Houston 77226 Cost To Install New Light fixture sarasota 34237 average Cost To Install A light fixture pompano beach 33062 Cost To Install New light fixture cortez 34215 Cost To install fluorescent light fixture los angeles 90028 Average Cost To Install Light fixture grimes 50111 The inclusive vibe and legendary parties have established House of Yes as a fixture of Brooklyn nightlife … in\nCost To Have Light Fixture Installed Plano 75023 Although a common issue (roughly 25% of all adults in the US have tooth decay), many adults fail to take any action to improve their oral health. When unchecked, tooth decay and gum disease can lead … Strategic merger will create the most complete and unparalleled construction industry database used to empower the $1.3T U.S. construction industry Dodge Data & Analytics (\"Dodge\") and The Blue Book … THANKS FOR STOPPING\nFor potential sellers, the current real estate market is sizzling. According to Realtor.com, inventory is low (down 52 percent since last year), prices are at all-time highs and listings are …\n“Make sure the porch light is clean and has a good bulb. Is the doorknob clean and shiny? Does the hardware need … Think bright and seasonal.” Cost: doormats cost –plus.\nCost To Install A Ceiling Light Fixture La Canada Flintridge 91012 Motion sensor light cost in La Canada Flintridge is a small price to pay for added safety and security. It provides light in sheer darkness. … As our numbers show in 2021 average cost that homeowners paid for lighting fixture installation in Los Angeles county is between $242.00 and $4,871.00. … As our numbers show in 2021 average cost that homeowners paid for handyman in Los Angeles county is between\nCost To Install Fluorescent Light Fixture Houston 77273 diameter and weigh just ounces; they cost $25 to $85 at home centers and lumberyards. They’re used to draw attention to chandeliers and light fixtures … flat fluorescent fixtures and lenses … Cost To Install Light Fixture Travis Air Force Base 94535 Cost To Install New light fixture houston 77226 cost To Install New Light Fixture Sarasota 34237 Average Cost To Install A light fixture pompano beach 33062 Cost To\nInstalling a ceiling … and weigh just ounces; they cost $25 to $85 at home centers and lumberyards. They’re used to draw attention to chandeliers and light fixtures, to enhance molding and …", "label": "No"}
{"text": "Posted by eschudel\nCee’s Flower of the Day (https://ceenphotography.com/2017/05/05/flower-of-the-day-may-6-2017-tulip/)\nPosted on May 6, 2017, in Flower of the Day and tagged Flower of the Day. Bookmark the permalink. Leave a comment.\nEnter your email address to follow this blog and receive notifications of new posts by email.\nPowered by WordPress.com.", "label": "No"}
{"text": "Starting 01 January 2020, the California Consumer Privacy Act (CCPA) will take effect. Intending to provide more transparency on the collection, use, and sale of data, it provides consumers with more power to determine what happens to their information and who gets to use it. California is breaking new ground with this legislation in the USA. The CCPA is not only emblematic of the surging awareness about the value of personal data, it also sets the bar for future laws to come.\nAs the fifth largest economy in the world and the home state of the world’s most powerful tech companies in Silicon Valley, California has the potential to set an example with its legislation and lay out the blueprint for related data privacy and data protection acts. The CCPA will bring far-reaching changes for consumers as far as their rights are concerned, but many enterprises will also be affected if they want to conduct business in California as they will need to follow strict rules, particularly when it comes to the collection and selling of personal data.\nWith legislation such as the CCPA in effect, for enterprises there is an even stronger incentive to tighten up their digital security and data protection measures. In cases of data theft or breaches due to industrial espionage or hacking attacks, enterprises will be held responsible if consumers’ data is affected (all ordinary financial damages aside). Given the number of data breaches and their implications for business over the last few years, enterprises are therefore in dire need of elevating the protection of their data.\nData breaches and exposed records in the United States continue to pose a great threat to enterprises' data security and their compliance with legal regulations, leaving personal information of customers vulnerable to unauthorised third parties.\nAs a German software developer with many years of experience, we are very familiar with challenges new legislation on data security and data privacy presents to enterprises. This is precisely why we keep adapting our communication solution Cryptshare to the ever-changing requirements and needs in a digital world. The implementation of the General Data Protection Regulation (GDPR) in Europe has additionally provided us with valuable insights and experience. We have developed features such as the protective email classification and comprehensive policy settings, including customisable retention periods for transfers, in order to be compliant with such legislation.\nSince we don’t regard security of data in transit as a destination, but rather as an ongoing process, we will continue our work to make Cryptshare the best-suited solution for enterprises’ digital security needs in the 21st century.\nPlease feel free to get in touch if you want to find out more on how Cryptshare can help you comply with the CCPA!", "label": "No"}
{"text": "You see them everywhere, from rural fields to suburban yards. Fences come in many different styles, and just about everyone seems to have one. They represent safety and security, protecting our loved ones, making our yards into sanctuaries, and keeping our property safe. Did you ever think about the history of the fence? In many ways, fences have had a major impact on the development of modern civilization.\nWho first came up with the idea of fences? There are certainly famous “fences” in ancient history, from the Great Wall of China to the Walls of Jericho. Fences became a feature of civilization as cultures transitioned from nomads to landowners and farmers. In a way, fences have laid the foundation of the modern world.\nThroughout history, there have been cultures that cultivated the land in ways that decimated natural resources, stripping land of its value before moving on. Fencing shifted that ideology, creating a culture in which land was something to be protected and tended, rather than looted and left behind. Installing a fence was a way to protect the land and the populations that lived on it. It was also a way to claim the land as a possession.\nFences have changed styles through the years. During the Bronze Age, many stone walls were erected in Cornwall, and several still stand today. Anglo Saxons used hedges to delineate their boundaries, and these hedges helped prevent soil erosion, attracted pollinators, and created a microclimate that helped their crops grow. The first American settlers used ingenuity and natural resources to create log fences called Virginia Worm fences. Today, the American dream of home ownership is epitomized by the white picket fence.\nFencing has not been devoid of controversy, though. Barbed wire fences in the West created conflict because of its implications for cowboys, migrating Native Americans, and even railroad engineers and later settlers. Fences have been used to emphasize the divide between the haves and have-nots. And some maintain that the concept of land ownership has led to a wide array of problems in modern civilization.\nThere’s something to be said, though, for property that belongs to someone. Installing fences, protecting what’s yours, creates a mindset of conservation and leads people to accomplish great things in their quest to improve life for future generations. The culture of property leads us to plan for the future and offers us incentive to safeguard our environment.\nIf you’re ready for a fence of your own, call Paramount Fence for professional installation. A full-service fence sales and installation business in the Chicagoland area, with more than half a century of combined experience, we’re dedicated to providing creative and affordable solutions that address our clients’ needs and fulfill their requests. Paramount Fence is a member of the American Fence Association and a registered member of the Better Business Bureau. For more information, call us at 630-239-2714 or contact us through our website.", "label": "No"}
{"text": "Mailorder Bride Prices\nMay 8, 2021\nThe emailing cost of postal mail order birdes-to-be can be from $200 to $500. These types of fees may be paid to the websites, and you may use the fee-based features czech wives to contact your new partner. These products are also a very good option if you don’t have the time or money to arrange offline gatherings. Some of the expertise even deliver virtual gift ideas for your exchange. These are just simply two ways to communicate and get to know a newly purchased wife.\nAlthough the mailing method can be pricey, you can always discuss with your fresh woman by negotiating the price of her goods and services. Usually the price of the mail purchase bride is around three to ten 1000 dollars, but you can negotiate a lower price in the event you know exactly what you prefer. This can be a great option for couples who can’t afford to shell out a lot of time and money around the wedding on its own.\nIn addition to the cost of gifts, you should also consider the price of a translator. These services can be very useful for conntacting a mailbox order star of the event, since the majority of them avoid speak English. While they could be expensive, they’re just included in the mailing cost, so that it might be worth looking at them once figuring out your finances. It’s also important to keep in mind that your mail-order bride might not have good English language skills.\nWhether or not a mail buy bride is certainly expensive depends upon several elements, including the location of the bride and her inclination for luxurious. Most mail-order bride solutions try to offer a wide range of locations because of their prospective customers, but some regions cost more than others. You should consider these types of factors the moment determining how much to pay for your dream woman. For anyone who is interested in marrying someone out of outside the region, you should consider the cost.\nThe cost of a mail-order woman depends on the services provided. Some companies offer infinite video chats, while some don’t. You should be aware that these organizations charge a little fee for these services. Yet , if you want to save cash on the mail-order bride procedure, it may be worth considering using a company. Besides, these agencies in addition provide other rewards, like personalized communication and matching of your future wife.\nDepending on the companies offered, mail-order bride the prices can range via $500 to $3, 000-5, 000. A lot more functions you select, the more you can save on a monthly budget. For example , you can choose to have one main or more days with your picked partner. These firms will then arrange for you to satisfy the woman and pay for the costs of the assembly. It is possible to negotiate a package best suited your budget. If you’re serious about this, you are likely to pay from $10 to $400 a month.\nThe service fees of -mail order brides will depend on the women’s high repair. For example , if you wish to spend a couple of thousand dollars on entertainment, you should look for a lady with a low regular maintenance. When you are looking for a low-maintenance partner, you don’t have to spend lots of money on the services offered. Should you be looking for a cheap and trustworthy bride, mail-order brides’ service fees can range out of 10 to 400 USD a month.\nThe cost of mail buy bride products depends on the kind of service you select. Some corporations offer free of charge basic membership, while others charge a premium be the cause of full entry to all the features and rewards. Usually, a mail-order bride service offers a number of choices, with the minimum amount staying $10. Some of the more expensive packages have many extra features, and will cost you up to $50 per month. You can choose the a higher level service that suits your needs the best.\nChoosing a web-site with a low cost can be a wise decision if you have price range to spend more. Many of these websites have fabulous girls and a minimal price. Although these sites will be cheaper, they’re not fully safe. Additionally there are a few hazards with a lower-priced mail order bride. When you’re willing to risk the cost of a lower top quality site, you could find a more pricey woman.", "label": "No"}
{"text": "The final version of the Clean Power Plan, President Obama’s signature climate change policy, came out on Monday. Here’s how to tell whether the politicians, special interests and commentators you’re going to hear talking about it are worth taking seriously.\nIf they’re criticizing the plan:\nAre they willing to admit that we must listen to the warnings of experts and act strongly to head off the risk that the scientists are right?\nDo they have a credible plan that would cut planet-warming greenhouse gases by as much as the president’s Clean Power Plan would? (A simple carbon tax would work great.)\nDo they have a credible plan that would as effectively galvanize international climate negotiations, encouraging other nations to feel comfortable sacrificing along with us?\nAre their arguments based on a blurry-eyed reverence for coal, a nasty fuel that makes people sick and produces massive amounts of carbon dioxide?\nThe right answers are “yes,” “yes,” “yes” and “no.”\nIf they’re praising the plan:\nDo they talk gauzily about creating jobs or building the economy of the future without recognizing that addressing climate change will require real sacrifices from real people?\nAre they willing to point out that the president’s plan is a second-best solution when a long-term, economy-wide, market-based policy, such as a carbon tax, would cost the country less?\nDo they talk up how much the president’s plan would reduce greenhouse-gas emissions without noting it would get the country only a fraction of the way to decarbonizing the economy?\nDo they pretend that it will be anything but excruciating trying to persuade other nations to commit to — and follow through on — serious greenhouse emissions cuts of their own?\nThe right answers are “no,” “yes,” “no” and “no.”\nFighting climate change is not going to be easy or painless, but the threat is large enough that we must try. It will take policy that musters Americans’ time, effort and money to transform where we get our energy and to contribute to a gradual international move away from fossil fuels. That transition will take decades and produce some losers. But having weak policy or no policy is just too risky to human society. There are better options than what’s on the table. But until Congress is willing to pass one of those better options, the Clean Power Plan is what we’ve got. It would help if more people realized that most of the big voices are selling an unforgivably incomplete picture.", "label": "No"}
{"text": "Hi Everyone, I'm back, again. Sort-of.\nI know I have been neglecting everyone here for quite awhile. But this is because I have been doing less cooking and more crafting and just other stuff. I want to post all this stuff here, but everytime I think 'but it is a cooking blog', and I don't. So, instead I have started a new blog The Canadian Domestic Wannabe. This one is going to have everything! Crafts, recipes (when it cools down and I start cooking again), and lots of other surprises!\nI hope you will join me at my new home, I am not abandoning this blog altogether, but rather it will go on the back burner for now.\nThanks for following!!", "label": "No"}
{"text": "In 2012, the International Trade Commission (“ITC”) issued a general exclusion order in favor of Louis Vuitton, prohibiting the importation of any good infringing upon Louis Vuitton’s famous trademarks. This exclusion order applies to any entity importing infringing goods, regardless of their status as a party in the ITC investigation. This type of equitable relief is extremely powerful, and would be preferable over monetary relief to trademark owners in many scenarios. This was one of the first large-scale trademark investigations heard by the ITC, and should lead to a drastic increase in the number of trademark owners who consider the ITC as a viable option for dispute resolution.\nThe ITC has many potential advantages over District Courts, and this Article discusses what potential advantages it may offer a trademark owner looking to protect their mark against infringement. Given its quick resolution, at an average of 15 months, the ITC is nearly always a much quicker avenue to resolution than District Court. Further, The ITC’s power to issue equitable relief rather monetary relief gives trademark owners a choice about which type of remedy would be preferable in their situation. Given the differences in how disputes will be handled by District Courts and the ITC, trademark owners should consider their unique situations and determine whether the ITC may be their preferred alternative to bringing a suit in a District Court.", "label": "No"}
{"text": "From the ancient time human beings have keen interest in the sports and game. Even after so much hectic and busy life some people usually spend their time in playing sports and games. There are lots of benefits attached to this. These activities not only keep us fit and find but also teach us about the importance of being a team player.\nNBA LIVE Mobile game is presented to you to increase you interest in sports and managing teams. Graphic and sound of the game are amazing, there are some features like buying the players make it more interesting and dynamic. Game also provides you some reward points in the form of cash and coins. List of the entire old and new player is also provided in it which makes it unique. All the players are ready for you at every time. You can choose them according to your need in the game by spending the game money. Game money is available to you in two distinguish forms. First mode of money is cash and other one is coins. Here are some amazing points for you, by working on these points you can also double your winning chances in the game.\nTeams Are Changeable\nHowever it is very hard to find such option in the game, it is not easily visible in it. You have to work efficiently to find it and make any change in the present team members. In the starting you might not have so many coins with you to buy excellent players. But later on when you have good amount of cash and coins with you, feel free to update your team members. It will give you a new hike in the game. You will start crossing even the most difficult challenges in the game very easily with the help of such powerful players with you. There are available in a different option which is called card packs which you can get by exchanging your coins and cash or by using few tips and tricks in your game.\nMake Proper Arrangement Of Card Packs\nTry to open more and more card packs in the game. It will enhance more availability of players to you. These card packs can open the entire new and old players list for you. You can make comparison effectively after the opening of some card packs. Choose wisely your player for the better team. Make sure that all your team members are good as a team not as individual members. In other words we can say that there should be a good coordination in your team members. Make an agenda for updating in your present team. Start thinking like a good team manager when you are about to buy new players. You can also sell them out in the market for the profits.\nStart exploring the new ways to get the best player pack for you. Keep your eyes open all the time by updating the router to know that which player pack is available to you in the open market. You can use nba live mobile hack also to get unlimited access to player pack and game money.", "label": "No"}
{"text": "Securities Litigation, Investigations & Enforcement Alert | January.25.2019\nOn January 22, 2019, FINRA published its 2019 Risk Monitoring and Examination Priorities Letter. Released several weeks later than usual, FINRA’s letter follows the December 10, 2018 publication of the 2019 Examination Priorities Letter by the SEC’s Office of Compliance Inspections and Examinations (OCIE).\nAlthough neither list of priorities is entirely unexpected, it helps to have a roadmap as to each regulator’s focus, particularly for those firms that will be examined this year by one or both regulators.\nFINRA’s 2019 Priorities\nFINRA’s letter is notable for its new approach: rather than resuscitating old priorities as the letter had in years past, the 2019 letter seeks to highlight topics that are materially new. Specifically, the letter identifies four emerging areas for focus for FINRA:\nMember firms should also expect a continuing review of compliance in areas identified in prior letters. The introduction to the 2019 priorities letter specifically identifies both the hiring of persons with “problematic regulatory history” (i.e. “bad brokers”), and continued scrutiny of firm’s cybersecurity measures as continuing areas of interest for FINRA. Members should expect that FINRA examiners’ focus on these topics will increase from prior years. Another perennial area of focus is suitability: This year, FINRA anticipates targeting deficient quantitative suitability determinations (that is, potential churning), overconcentration of illiquid securities, and recommendations of investments whose time horizon does not equate to the investor’s goals. Concern for senior investors also has not gone away – after all, nobody has gotten younger this year – and FINRA will be looking for compliance with new rules designed to mitigate exploitation of these vulnerable investors. Cryptocurrencies and other digital assets will also, not surprisingly, remain a focus for FINRA and will include increased coordination with the SEC. (For additional information on regulatory focus on digital assets, see Orrick’s post in its digital currency blog, On The Chain.)\nLast, it’s worth noting that FINRA’s priorities letter has been renamed the “Risk Monitoring and Examination” letter from the “Regulatory and Examination” letter. This is potentially a good sign for member firms, as this new title reflects FINRA CEO Robert Cook’s prior representations to the market that FINRA’s regulatory responsibilities should be an iterative process, by which FINRA constantly analyzes the identity, prevalence and impact of risk in order to continually evaluate the effectiveness of FINRA’s regulatory regime. This new title is also consistent with, and potentially shows a strengthened institutional commitment to, Cook’s messaging since becoming CEO that FINRA will actively seek and respond to critiques and comments from members, although time will certainly be the judge.\nOCIE’s 2019 Priorities\nOCIE’s list of six priorities for 2019 encompasses all five of its priorities from 2018, and then also adds a new one: digital assets. Unsurprisingly, OCIE’s priorities are largely in line with FINRA’s. As with FINRA’s priorities, protection of senior and other vulnerable retail investors is a repeated theme in OCIE’s priorities. In this regard, OCIE stated a new focus on conflicts of interest that may exist when advisors (1) utilize services provided by an outside affiliate, (2) receive a financial incentive for recommending that investors use securities in their brokerage accounts as collateral to obtain a loan, or (3) borrow funds from clients. (Note that Conflicts of Interest has been a focus of FINRA’s review of broker-dealers’ controls and procedures for several years.)\nOther 2019 OCIE priorities include ensuring the effectiveness of FINRA and MSRB (two self-regulatory organizations that the SEC oversees), anti-money laundering programs, market infrastructure, cybersecurity and digital assets. The articulated focus on these areas remains largely the same from last year, although, similar to assertions in FINRA’s letter, OCIE stated that it will be examining software utilized by the entities it regulates to ensure capabilities and effectiveness. In addition, many of the priorities regarding retail investors focus on the conduct of investment advisers, or products managed by investment advisers such as mutual funds and ETFs, suggesting that the SEC is trying to catch up on many years of examinations of a very small percentage of registered investment advisers.\nOCIE’s ongoing focus on cybersecurity is also consistent with the SEC’s overall focus on cybersecurity: In a December 6, 2018 speech, the SEC Chairman Jay Clayton held nothing back when he stated that the SEC will treat cyber-related violations like “intrusions into retail brokerage accounts, the submission of false regulatory filings and hackings to obtain material nonpublic information.” Likewise, in the same speech, Chairman Clayton, previewing OCIE’s priorities letter, stated that he expects digital assets to occupy a “significant” amount of the SEC’s time. Also worth noting is that OCIE’s letter includes a more comprehensive introduction than we have seen in years past. For the first time, OCIE’s introduction provides an overview of the 2018 year, including statistics of the number of exams, a list of relevant alerts put out by the SEC, and monetary recoveries. The inclusion of such statistical information may signal a renewed focus on results at the SEC.\nTips and Best Practices\nOCIE’s and FINRA’s letters should be viewed as a “heads-up” to members of the likely focus of regulators during exams. As in years past, both OCIE and FINRA have emphasized that their lists of priorities are not exhaustive, and neither regulatory body is bound by them. But for planning purposes, firms should assume that OCIE and FINRA will take a special interest in the areas that correspond to the stated priorities in the coming year. Companies and individuals would thus be well advised to focus efforts on ensuring that their compliance infrastructure and technology is strong, particularly in announced areas of OCIE focus. Monitoring and integration of guidance, protocols and risk alerts published by FINRA or OCIE on emerging issues would also be well advised, as these areas are susceptible to fast developments.\nOne best practice for ensuring that a firm is in shape to address OCIE’s or FINRA’s priority issues and pass an exam is to conduct a mock exam. Entities and individuals who have previously been the subjects of OCIE exams have reported that conducting mock exams focusing on the identified areas – often under the supervision of counsel, thus protecting the results under privilege – has prepared them for actual regulatory exams.", "label": "No"}
{"text": "My client, a telecommunications company based near Barbican are currently looking for a Head of Business Development to join their expanding team. Their main focus is to ensure they make it as easy for businesses to communicate with colleagues, customers and clients wherever they are in the world.\nYour main responsibilities are:\n- Working closely with the CCO and CEO to shape the company’s sales growth strategy.\n- Putting into place, cutting edge SaaS sales growth best practices.\n- Leading a team of sharp and driven sales representatives and business development managers worldwide.\n- Developing and executing the sales team operations including recruiting and training processes.\n- Managing the business development operations of a disruptive worldwide SaaS company towards an inflection point in the company’s growth.\n- Implementing growth oriented business development processes.\n- Implementing fresh business initiatives across the new business and sales team.\n- Working closely with the sales team to generated new business within large accounts.\n- Analysing approaches that are in place and making changes where necessary.\n- Building and maintaining strategic partnerships with other companies to leverage their existing networks.\n- Putting in place sales initiatives to drive sales performance within the team.\n- Developing training plans and setting targets for new members of account management teams and business development team.\n- Liaising with the marketing team to develop marketing tools and materials to support new business teams.\n- Acting as a key contact for large customer accounts.\n- Setting ambitious but realistic revenue targets for the business development managers.\n- Liaising with Head of Account Services on a daily basis to ensure smooth onboarding and seamless hand off of accounts between Business development and Account management teams.\nYou will need:\n- An MBA.\n- Proven ability to establish rapport with all levels of seniority.\n- Strong experience working in a senior business development role or for a similar tech B2B SaaS company.\n- Proven track record of achieving and surpassing revenue growth.\n- To be passionate for all things tech.\n- To have a resilient personality.\n- To be a creative thinker and problem-solver who is confident finding a solution to challenges.\n- To possess a ton of energy, humor, passion and enthusiasm.\nThis is a great opportunity for a passionate individual whom possesses a ‘can do attitude’. They can offer you a competitive salary, along with an attractive benefits package.\nShould you be interested in this position, please do send your profile and call for further information.\nCostello and Reyes operate as both a recruitment business and recruitment agency for its clients.\nUnfortunately, sponsorship cannot be provided so you must have the right to work in the UK.", "label": "No"}
{"text": "Are you eager to place a wager but find yourself without access to conventional sportsbooks? Sweepstakes betting sites, especially those in Texas, are increasingly accessible across the majority of the US, providing you a golden chance to bag some genuine cash prizes. These platforms cleverly emulate the aesthetic and feel of authentic sports betting websites, encompassing the most sought-after betting markets.\nGiven that there isn’t a straightforward money transaction involved in your wagers, you can conveniently engage with sweepstakes betting sites, including those in Texas, across a significant portion of the US. This presents a perfect solution for passionate sports punters who are frequently on the move, yet harbour the enthusiasm to invest in the week’s exhilarating sporting events.\nLet’s embark on a detailed exploration of everything you should consider when opting for such a service. Ready to dive into the dynamic world of sweepstakes sportsbook betting, particularly in Texas? Let the games begin!\nTop 3 Free Sweepstakes Betting Sites in Texas\nOnline betting platforms constantly vie for dominance. Whether it’s a sweepstakes casinos or a social sportsbooks in Texas, certain operators undoubtedly offer superior platforms and user experiences. We’ve highlighted our top three choices below.\nStake.us emerged as a sweepstakes casino on August 1st, 2022, abiding by the sweepstakes framework. This enables it to function lawfully within the US, albeit with exceptions in states such as Washington, Nevada, New York, Kentucky, and Idaho. Fresh registrants on Stake.us receive an enticing offer of 10,000 gold coins along with 1 free stake cash, paving the way for complimentary gaming. The latter can be swapped for cash rewards. Sweepsteaks Limited, a firm headquartered in Cyprus, proudly owns and steers the platform. Additionally, Stake.com is its European counterpart. By choosing Stake.us, you’re entering a realm of 350+ engrossing social casino diversions that encompass slots, table engagements, scratch cards, and an impressive range of sports betting options. From the energy of NBL to the thrill of F1, it’s all there.\nWhether you desire casual play using gold coins or a more intense gaming experience aiming for real money prizes with stake cash, Stake.us has something tailored for every player’s preference.\nIn our detailed review of Stake.us, we’ll delve into every nook and cranny of the Stake.us application: its operation, myriad features, and the registration and login process. Furthermore, we’ll provide insights on bonus claims, cash prize redemptions, and ways to maximise the available bonuses and offers. With that introduction, let’s plunge right in!\n2. Sportzino Sportsbook\nSportzino Sportsbook stands out as a unique sweepstakes platform, offering a blend of sports prediction markets and tangible cash rewards in a whopping 48 US jurisdictions. Having launched in 2023, its management falls under SCPS LLC, the same conglomerate behind Zula Casino. Newcomers are greeted with an irresistible 1000 sweeps coins without any deposit obligation! This piece aims to unpack the workings of Sportzino Sportsbook, available bonuses, and the sports palette on offer.\nContrary to the typical sweepstakes platforms which predominantly feature casino-themed games, Sportzino’s sportsbook carves its niche. It allows enthusiasts to place wagers on 12 diverse sports genres, from the dribbling of basketball and the intensity of tennis to the strategy of football and the dynamics of ice hockey. Daily, a myriad of global sports events await your predictions. The platform extends its services across the US, except in Washington and Idaho, presenting itself as a legitimate counterpart to unauthorized offshore sportsbooks. Transactions are seamless with trusted payment gateways like Visa, Mastercard, and direct bank transfers. And for the cherry on top? Newly registered users can try their luck with the ‘Spin The Wheel’ feature, with potential winnings up to $10!\nSportzino Sportsbook stands firm on its commitment to real monetary rewards. Players aged 18 or above, outside of Washington and Idaho, can reap benefits. As previously highlighted, wagers are placed using sweeps coins. These coins can then be exchanged for cash or attractive gift cards. To put it simply, at Sportzino Sportsbook, 100 sweeps coins translate to $1.\n3. Fliff Social Sportsbook\nFliff’s sweepstakes sportsbook has brought a refreshing change to the betting scene, setting new standards for how such platforms should function. Gone are the days of monotonous games typical of sweepstakes platforms; Fliff offers an experience much like any top-tier sportsbook.\nThey present a twofold betting approach. You can either play casually, aiming for a top spot on the leaderboards, or convert some Fliff Coins into Fliff Cash for genuine money wagering. Their mobile interface mirrors the design of a standard online sportsbook app. Additionally, newcomers can grab a ‘sign-up bonus’ for real money betting without needing any specific Fliff promotional code. This is achieved by allowing users to purchase sweepstake coins, and as a perk, they’ll get Fliff Cash (the actual money counterpart) up to a capped amount of $100.\nThe range of sports on offer is extensive! From football to basketball, baseball, hockey, boxing, esports, MMA, and tennis, they’ve got you covered. The odds and betting options for these sports are competitive. In fact, match their offerings with any mainstream sportsbook, and you’d find striking similarities, if not identical listings.\nMoreover, topping up your Fliff account is easy with credit/debit cards or regular bank transfers. While it’s a relatively new platform, they might soon integrate more payment options like e-wallets. However, do note that residents of Washington cannot access Fliff. And those from Alabama, Georgia, Hawaii, Idaho, Minnesota, Mississippi, Nevada, and South Carolina are excluded from the available promotional offers.\nWhether you’re using Fliff’s mobile apps or signing up online, start your free betting journey today with our special Fliff promotional code. And with our extensive evaluation, we can vouch for the authenticity and security of the Fliff platform. Your personal data and assets are in trustworthy hands.\nUnderstanding the Mechanics of Sweepstake Sportsbooks\nAt their core, sweepstakes sportsbooks operate using a dual-currency system, akin to their counterparts – the online sweepstakes casinos in Texas.\nTypically, the two primary currencies you’ll come across are gold coins and sweeps coins. While gold coins are purely for recreational betting with no monetary value, they can be bought using actual money. On the other hand, sweeps coins are versatile and can be used for placing bets. These can be earned through several avenues like registering, daily logins, and other promotions. A straightforward method to accumulate them is by buying gold coins, which prompts the sportsbook to gift an equivalent amount in sweeps coins.\nHowever, each platform might adopt unique currency names, a case in point being Fliff Cash and Fliff Coins. The emergence of this system aims to provide enthusiasts from a vast majority of US states a chance to place wagers without any cost and simultaneously vie for tangible money.\nContrary to the licensed betting sites operating in states where betting is legalized, these sweepstakes platforms are permissible in almost all states, with a few exceptions typically being WA and ID.\nIt’s essential to differentiate these from purely fun platforms like BetRivers.net and Rush Games4Fun, which deploy a singular virtual currency.\nWho’s Eligible to Wager at Social Sportsbooks?\nGiven there’s no direct monetary transaction between the bettor and the service provider, these platforms don’t fall under the conventional online gambling category. Hence, they are free from the typical constraints governing standard online betting platforms.\nHowever, certain state-specific restrictions exist. For instance, Idaho prohibits any cash prize redemptions from all platforms. Meanwhile, New York and Florida cap the prize amount at $5,000 per session. Furthermore, Washington strictly bans all online social gaming variants.\nBeyond state-based restrictions, individual sweepstakes platforms might decide upon the minimum age for users, which typically ranges between 18 and 21. A clear guideline will be available during the sign-up process.\nJust like standard betting platforms, these sweepstakes sportsbooks will necessitate identity verification before enabling withdrawals or allowing real-money play. Hence, it’s prudent to engage only with platforms legally available in your jurisdiction.\nIs Earning Real Money Available on Sweepstakes Betting Platforms?\nThis is somewhat of a grey area. Technically, you’re not pocketing money, but rather translating your endeavours into cash rewards. The conversion rate for sweeps coins is often SC1 to $1.\nUpon registration, you’ll be placing wagers using these virtual coins, similar to a conventional sportsbook. However, their true value becomes evident only once you exchange them for their real-money equivalent or tangible prizes like gift vouchers.\nSubsequently, these rewards can be cashed out mirroring the process on regular online sportsbooks. Each platform will support its own suite of payment options.\nWhile this feature is embedded in several platforms, not all encompass it. Numerous social betting platforms solely provide a risk-free online gaming experience.\nThis distinction sets apart sweepstakes betting platforms from social sportsbooks.\nBetting Opportunities & Sports Spectrum\nTop-tier sweepstakes betting sites open the door to an array of global betting markets. A majority of them offered us markets like football, basketball, baseball, and hockey, with further offerings depending on the platform.\nVirtually every sporting league in the US was accessible. Whether it’s collegiate football or the NFL, every slated match was available, accompanied by competitive odds. It’s advisable to scout multiple platforms to discern the most advantageous odds. For instance, consider Betrivers.net’s NFL listings.\nRegardless of the chosen sport, myriad betting formats are at your disposal – from moneylines, spreads, and parlays to same-game parlays and totals. However, remember that certain markets, especially prop bets, might differ depending on the sport.\nSweepstakes sports betting, particularly in Texas, offers a riveting alternative for those unable to access traditional sportsbooks. These platforms not only simulate the genuine look and feel of regular sports betting sites but also provide potential for real cash prizes, albeit through a unique dual-currency system. With a diverse range of sports to bet on and the chance to navigate global betting markets, these sites are an enticing choice. Platforms like Stake.us, Sportzino Sportsbook, and Fliff Social Sportsbook have shown to be top contenders in this space. However, punters should be cautious, understanding the legalities and constraints per their state. Overall, for those looking to delve into sports betting without the usual financial risks, sweepstakes sports betting in Texas is an option worth exploring.", "label": "No"}
{"text": "- Filter By Topic : 马铃薯收获机\nPotato Europe Preview: GRIMME to present a range of new agricultural machinery\n八月 17, 2022\nOn the 7th and 8th of September 2022, the international trade fair PotatoEurope will take place in Bockerode near Hanover and GRIMME will present a large number of new practical innovations and further developments.\nGrimme unveils six new machines at its first farm days event\n六月 27, 2022\nLast week more than 2,700 farmers and growers from across Europe attended Grimme's first ever Farm Days event, with six machines taking centre stage at the Grimme farm in Cappeln Germany.\nAVR bvba ships eight potato harvesters to Denmark in convoy\n六月 23, 2022\nThe West Flemish potato machinery manufacturer is set to deliver none less than eight harvesters from Roeselare to its Danish dealer this week.\nDewulf going full ISOBUS for the 2023 potato planting season\n六月 16, 2022\nAs supplier of a complete range of agricultural machines for the cultivation of potatoes and root crops, Dewulf will be introducing full ISOBUS on nearly all CP and Structural potato planters from autumn 2022.\nDewulf introduces new features for its Structural 4000 potato planter\n六月 08, 2022\nDewulf, a full-liner in agricultural machinery for potato and root crop cultivation, presents a couple of innovations for the Structural 4000 within its planting range.\nWorld Potato Congress 2022: Team behind HarvestEye continue to showcase crop insights innovation\n五月 24, 2022\nHarvesteye - a machine-learning driven crop insights tool - is heading to the World Potato Congress at the end of May, as it continues to showcase on the global agricultural stage the actionable insights it places in the hands of growers.\nGrimme UK Rowshow2022 to showcase the latest GL 420 exacta\n三月 18, 2022\nGrimme UK is taking to the road next month to showcase its latest version of the GL 420 Exacta potato planter, which now offers four-row planting in 90cm row widths with true one-pass combination planting.\nGrimme UK potato specialist to chair AEA's technical committee\n三月 13, 2022\nOne of Grimme UK's product specialists has taken on the chairmanship of the Agricultural Engineers Association's (AEA) Technical Committee.\nEspaña: Preparar ahora el suelo para que el arranque de la patata sea perfecto\n二月 24, 2022\nNo es sencillo cumplir las exigencias del mercado en cuanto a calidad y apariencia de la patata. Por eso debemos tomar las decisiones adecuadas, de modo que el tubérculo se desarrolle sin problemas y el arranque lo trate de forma exquisita.\nScotts appoint RM Agricultural Engineering Ltd to support West Midlands growth\n二月 14, 2022\nScotts Precision Manufacturing Ltd has extended its distribution network with the appointment of a new sales and service agent to cover the West Midlands (United Kingdom).", "label": "No"}
{"text": "Our resources include publications by the ECF as well as our partners, from hard-hitting research to technical working papers unpacking policy recommendations for climate action.\n2016 was a year of challenges and change. Together with its partners, the ECF worked hard to follow up on the success of the Paris Agreement and to ensure that Europe continued to play a leading role in turning the commitments of Paris into action.Read more\nThe Electro-Mobility Platform launched a video made with support of the European Climate Foundation, bringing together much of the evidence base of the multiple co-benefits of e-mobility.Watch now\nThe report showcases the contributions the ECF made in close collaboration with a strong network of diverse partners throughout a year crowned with the successful Agreement in Paris. It is accompanied by a collection of essays focusing on key issue areas the ECF has engaged in.Read more", "label": "No"}
{"text": "Bajaj POLYMIN produces a unique class of compounded plastic materials designed to improve the performance and productivity of many plastics applications. We achieve global standards for quality, service and performance. Our focus on latest manufacturing technology enables improvement in productivity and reduction in material costs. Continuous R&D has resulted in introduction of new generation products like biodegradable masterbatches, conductive compounds, optical brighteners, antistatic agents, UV stabilizers, etc.\nBajaj POLYMIN is known globally for boosting the performance of extrusion, extrusion coating, blow molding, thermoforming processes and injection molding. Our additives increase throughput rates, cycle times, product properties all while reducing material costs.", "label": "No"}
{"text": "1w Led Spotlight - Manufacturers, Factory, Suppliers From China\nWe usually keep on with the principle \"Quality To start with, Prestige Supreme\". We've been fully committed to offering our purchasers with competitively priced excellent solutions, prompt delivery and skilled support for\n1w Led Spotlight, Energy Saving Street Lamp\n, Underwater Spot Light\n, Led Light Bulbs\n, All prices depend upon the quantity of your order; the more you order, the more economical the price is. We also offer good OEM service to many famous brands.\nHigh quality Very first,and Shopper Supreme is our guideline to offer the most beneficial company to our clients.Nowadays, we're hoping our best to be certainly one of the top exporters in our area to satisfy consumers additional will need for\n1w Led Spotlight, We are committed to meet all your needs and solve any technical problems you may encounter with your industrial components. Our exceptional products and vast knowledge of technology makes us the preferred choice for our customers.", "label": "No"}
{"text": "The Paris Agreement establishes the Global Stocktake (GST) to assess the progress made toward its long-term goals. One of the core functions of GST is to review the adequacy and effectiveness of adaptation and the support provided for adaptation. However, a clear and commonly accepted understanding of the concepts of ‘adequacy’ and ‘effectiveness’, as well as a practice for operationalizing them is yet to be established.\nTo address this challenge, the Independent Global Stocktake (iGST) Adaptation Working Group (AWG) is launching a new publication to advance the conceptual and operational discussions of adequacy and effectiveness of adaptation in the GST. The publication brings together discussions from a multitude of stakeholders, including academia, practitioners, and policymakers. The Webinar will provide a presentation on the new publication, followed by a Panel discussion with the authors and a Q&A session.\niGST AWG is co-chaired by UNEP CCC (https://unepccc.org/) and IIMA (https://www.iima.ac.in/) and is funded by ClimateWorks Foundation (https://www.climateworks.org/).", "label": "No"}
{"text": "OncoMed Pharmaceuticals, Inc., a clinical development-stage biotechnology company, focuses on discovering and developing monoclonal antibody therapeutics targeting cancer stem Cells (CSCs). Its product candidates target CSCs by blocking self-renewal and driving differentiation of CSCs toward a non-tumorigenic state, as well as impact bulk tumor cells. The company’s product candidates under development include Anti-DLL4 (demcizumab, OMP-21M18), a humanized monoclonal antibody that is three Phase Ib clinical studies for the treatment of patients with non-small-cell lung cancer and pancreatic cancer; Anti-DLL4/Anti-VEGF Bispecific, which has completed preclinical trail that targets and inhibits...\n800 Chesapeake Drive\nRedwood City, CA 94063\nFounded in 2004\nOncoMed Pharmaceuticals, Inc. - Special Call\nDec 3 13\nTo discuss OncoMed and Celgene Strategic Collaboration\nOncoMed Pharmaceuticals, Inc. and Celgene Corporation Announce Strategic Collaboration Advancing Multiple Anti-Cancer Stem Cell Therapeutics to Offer Potential Benefits to Cancer Patients\nDec 3 13\nOncoMed Pharmaceuticals, Inc. and Celgene Corporation announced an agreement to jointly develop and commercialize up to six anti-cancer stem cell (CSC) product candidates from OncoMed's biologics pipeline, including demcizumab (OMP-21M18, Anti-DLL4). OncoMed will control and conduct initial clinical studies at which point Celgene has an option to license worldwide rights to up to six novel anti-CSC therapeutic candidates. OncoMed retains global co-development and U.S. co-commercialization rights for five of the six anti-CSC product candidates with 50/50 U.S. profit sharing, and royalties to be received in other territories. Celgene will also have research, development and commercialization rights to small molecule compounds in an undisclosed cancer stem cell pathway. Celgene obtains an exclusive option on one of OncoMed's most advanced clinical candidates, demcizumab, during or after the completion of certain future planned Phase II clinical trials to be conducted by OncoMed. Demcizumab is currently in three Phase Ib clinical studies in combination with standard-of-care therapeutics, including a trial in patients with first-line advanced pancreatic cancer. Subsequent to option exercise, the parties will co-develop demcizumab, sharing global development costs on a 1/3 OncoMed and 2/3 Celgene basis. The companies will co-commercialize demcizumab in the United States with 50/50 profit sharing. Outside the United States, Celgene would lead development and commercialization, with OncoMed eligible to receive milestones and tiered double-digit royalties on sales outside the United States. In addition to demcizumab, the collaboration includes up to five preclinical- or discovery-stage biologics programs: OncoMed's anti-DLL4/VEGF bispecific antibody and up to four additional biologics programs targeting either the RSPO-LGR CSC pathway or an additional undisclosed CSC pathway. Celgene obtains exclusive options on these programs during or after completion of certain Phase I clinical trials to be conducted by OncoMed. For the anti-DLL4/VEGF bispecific antibody and three of the four additional biologics programs, OncoMed retains 50/50 U.S. profit sharing and co-commercialization terms, plus 1/3 OncoMed and 2/3 Celgene global development cost-sharing and mid-single digit to mid-double digit royalties outside the profit-sharing territory. On the fourth biologics program, Celgene would receive an exclusive worldwide license, with OncoMed receiving high-single digit to mid-double digit royalties on worldwide sales. Celgene also obtains an option to conduct small molecule research, development, and commercialization in an undisclosed CSC pathway, with OncoMed eligible to receive milestones and low- to mid-single digit royalties on any resulting small molecule anti-cancer product candidates. Under the terms of the agreement, OncoMed will receive an upfront payment of $155 million, and Celgene will also purchase approximately $22.25 million in a private placement of newly issued shares of OncoMed's common stock at a price of $15.13 per share. The collaboration also includes option exercise payments and payments for achievement of development, regulatory and commercial milestones, paid on a per-program basis. For demcizumab, these payments could total up to approximately $790 million, and include an undisclosed payment for achievement of pre-determined safety criteria in Phase II clinical trials. For the anti-DLL4/VEGF bispecific antibody, option exercise, development, regulatory and commercial payments could total up to $505 million. For the other four biologics, each program is eligible for approximately $440 million of option exercise, development, regulatory and commercial payments. OncoMed could also receive more than $100 million in option exercise, development and regulatory approval payments for the small molecule program. Such total payments include milestones for regulatory approvals in multiple indications per program. OncoMed retains worldwide rights to certain targets in multiple pathways that do not become collaboration programs with Celgene.\nOncoMed Pharmaceuticals, Inc. Presents at 25th Annual Piper Jaffray Healthcare Conference 2013, Dec-03-2013 10:00 AM\nNov 27 13\nOncoMed Pharmaceuticals, Inc. Presents at 25th Annual Piper Jaffray Healthcare Conference 2013, Dec-03-2013 10:00 AM. Venue: The New York Palace Hotel, 455 Madison Avenue, New York, NY 10022, United States. Speakers: Paul J. Hastings, Chief Executive Officer, President and Director.", "label": "No"}
{"text": "2019 Nissan Gtr R36 2019 Nissan Skyline Gtr V Spec 2 for Sale Tuned Twin Turbo However don’t know the automobile you intend to get? Take to opening automotive sites offering reviews from professionals and car homeowners, the price tag on new vehicles, to the campaign of new cars. The official web site of the vehicle manufacturer is also helpful to see more photographs and understand the features.\nEveryone wants a vehicle that is comfortable to make use of on a daily basis. That’s why there’s some one or family who preserves over time to make it happen. Well for those of you who intend to carry a 4-wheel car as the budget will do, then first know the crucial terms or abbreviations when investing in a new car.\nGet advantage of all of the accessible media, and you will have number trouble finding the best car. Following having a list of goal cars, start considering the way to handle the payment.\nCars are becoming absolutely essential for all people. Furthermore, car suppliers in Indonesia today provide inexpensive cars whose requirements can solution our needs. The more kinds of vehicles in flow, on usually the one hand produce us easier. But on another hand, getting dizzy in purchasing a new car.\nIn deciding to buy a fresh car for private or family, also for organizations, there are a few things that must be considered. We will share tips on purchasing a new vehicle, particularly for those of you who’re the first ever to buy.\nFor those who curently have a household with more than three members, investing in a vehicle appears such as an obligation. Not only to help mobility, that four-wheeled vehicle can be much more comfortable for large individuals than two wheels.\nAn automobile is indeed an important thing for a few people. But just like every other piece, the car also comes with an era that really must be considered. If it’s also old, vehicles in many cases are particular and need plenty of fixes to different components. When you have that, you have to be considering eliminating the old vehicle and changing it with a fresh car.\nPick a car in accordance with your finances. This really is important when you won’t get dizzy later on with monthly credit for a lengthy period. It will also allow you to quicker negotiate with the revenue force on the dealer. Do not forget to allocate about 20% of one’s regular revenue to pay payments, gas, preservation and repairs.\nIt’s not difficult to focus on discounted prices for new vehicles, because currently several salespeople or sellers are competitive to supply them. But what’s more essential when purchasing a new vehicle is your time and effort to get the most effective price. As compiled by The Telegraph in another of its tips some time before, attempting to quote is really a popular thing to do. To purchase a brand new car is actually regarded important, because it can be constrained as little as possible.\nInvesting in a new car is just a huge stage, but no have to be bothered. Using significantly advanced technology, the process of locating new vehicles can be done more easily. .2019 Nissan Gtr R36 2019 Nissan Skyline Gtr V Spec 2 For Sale Tuned Twin Turbo. This way, a whole new car or truck can be found at a price to suit your own abilit.\nImage 15 of 20\nDescription for 2019 Nissan Gtr R36 2019 Nissan Skyline Gtr V Spec 2 for Sale Tuned Twin Turbo\n|1||Title:||2019 Nissan Gtr R36 2019 Nissan Skyline Gtr V Spec 2 for Sale Tuned Twin Turbo|\n|3||Upload date:||November 7, 2018|", "label": "No"}
{"text": "Markets in Seattle\nTravelers are voting Pike Place Market as the best market in Seattle. There are 4 markets in Mount Vernon a city just 99 km from Seattle and 1 market in St. Helens which is 250 km distant. The most popular of these are New York Savings Bank in Mount Vernon and Portland Saturday Market in St. Helens. You can find 1 market in Washington and 40 markets in the country of United States. Our members favorite in Washington is Pike Place Market and Pier 39 is the top pick in United States. Want more? Check out our map of markets in Seattle.", "label": "No"}
{"text": "- Play Doh Social Media Frankie Stein Clawdeen Wolf Abbey Bominable Draculaura Cleo De Nile\n- SEO Hack! How to Optimize for Google RankBrain (2018)\n- How To Make Money Online Fast And Free – Certified Free Money System Makes $1,377,829 In 30 Days\n- Lesson #9: How to Enable Advanced SEO settings on Blog? || Blogging Tutorial || TechGyd\n- Ireland Video SEO Company, Search Engine Optimization Ireland in Ireland\nThis is How To Make money fast in gta 5 online 1.41 patch. Learn how to get 150,000 In GTA Online from an in game mode in gta 5.\nThis is an money method the game that is working and gives you money by rockstar if yo win the mode. This is not a GTA 5 money glitch. The adversary mode will give you the money if you win or not. winner gets the most money from the mode in gta online.\nMaking money in gta 5 online in gta 5 can be hard.This could be the easiest way to make money in gta online if do it with friends. this is only for a limited time in gta 5 online\nWatch my latest GTA 5 videos below!\nGTA 5 Online: How to get a Solo Public Lobby Session and Make Money fast and Easy from CEO Missions PS4\nUnlimited GTA 5 Money Cheat, Hack in GTA 5 Online 1.27/1.40?\nGTA 5 Online Solo Money Glitch 2017 Unlimited GTA 5 Money Cheat, Hack in GTA 5 Online 1.40?", "label": "No"}
{"text": "We traditionally ended the year 2022 with a Christmas party, where we had fun, tasted, debated the past year and strengthened the team. The big news this year was the realization of a Christmas gift for a children's home in Kašperské Hory. During the evening, everyone could donate any amount that they would like to donate to a good cause and thus add a meaningful dimension to the party. Thanks to the generous donations of our employees, we managed to collect CZK 25,000, which we donated to the Children's Home for its activities.\nHereby, we sincerely thank everyone who decided to support this idea.", "label": "No"}
{"text": "- Statute of Limitations on Workplace Harassment\n- How to File Criminal Charges for Harassment\n- Texas State Law on Harassment in the Workplace\n- California At-Will Employment Laws\n- How to Pay Out PTO When an Employee Leaves\n- State & Federal Law About Hourly Workers Being Late\n- California Labor Laws About Timecards\n- Laws for Temporary Workers After Two Years of Employment\n- How to Report Labor Law Violations in Louisiana\n- California Labor Laws About Bathroom Breaks\nOhio Labor Law for On-Call Employees\nOhio does not have any state laws regulating employers' use of \"on-call\" employees. The term covers people who are not officially on the clock, but can be called into work if business needs require it. However, under federal law, employers have to compensate on-call workers if the employers' needs significantly restrict the employees' ability to go about their own activities.\nUnder federal regulations, on-call pay obligation depends on if the employee can use that same time for his own purposes. In general, if he must stay on the employer’s premises, or so close by he can't use the time effectively for his own activities, he must be paid. On the other hand, an employee who is allowed to go home and simply has to to leave a phone number with his boss about where he can be reached doesn't have to be paid for that on-call time. However, the rule isn't absolute. Some employees who can go home during on-call hours still have to be paid if the employer imposes restrictions on how they use their time while on call.\nOn Call at Home\nThere is no single factor that determines whether an employee has to be paid for on-call time she spends at home. However, the Sixth Circuit Court of Appeals explained in the 1992 case Martin v. Ohio Turnpike Commission employees in that situation must be paid if the job restrictions keep them from using their home time for their own activities. For example, if the employer calls workers back to work frequently, or the employer's on-call system is very distracting or cumbersome, the employee likely has to be paid for on-call time.\nWaiting at Work\nSome special classes of employees, such as first responders and emergency medical personnel, are required to remain at work during on-call hours even when not engaged in any active work. The Supreme Court explained way back in the 1944 case Armour & Co. v. Wantock that an employee has to be paid for waiting time if it is spent primarily for the benefit of the employer and his business. In this instance, the employee can even sleep, eat and read a book while waiting.\nOhio Enforcement Authority\nThe Ohio Wage and Hour Administration handles complaints for unpaid wages, unlawful deductions from wages, minimum wages not paid, overtime not paid, or last paychecks not received. If you believe your employer has improperly failed to pay for time spent on call, you can file a complaint in writing with the Bureau of Wage and Hour Administration, located at 6606 Tussing Road, Reynoldsburg, OH 43068.", "label": "No"}
{"text": "Based on the concepts from StorySelling for Financial Advisors, this program will show any Financial Services Professional how to develop a unique practice by understanding the principles of storytelling:\nEmploying Empathic Conversation. Participants will learn what matters most to clients when it comes to making decisions. They will learn how to find and use stories and illustrations from life, hobbies, and interests to explain products and services offered to clients.\nBecoming a Better Biographer. Participants will learn Mitch's breakthrough Q2 Inquiry Method and learn how to ask the questions that not only help them understand their clients better, but also forge stronger connections. Financial Services Professionals will learn how to build better relationships by asking better questions.\nAsking Questions that Get Results. Participants will learn the three questions that unlock a client's story.\nTelling the Financial Story is an inspiring and one-of-a-kind experience that has an immediate impact on business effectiveness. More than 50,000 Financial Services Professionals have already used these concepts to improve their client relationships and close more business.", "label": "No"}
{"text": "Infosys Recruitment Drive | Freshers | Technical Support | BE/ B.Tech/ BA/ BBA/ B.Com/ B.Sc/ BCA\nCompany: Infosys BPM\nInfosys Limited (formerly Infosys Technologies Limited) is an Indian multinational corporation that provides business consulting, information technology, software engineering and outsourcing services. It is headquartered in Bangalore, Karnataka.\nInfosys is the second-largest India-based IT services company by 2014 revenues, and the fifth largest employer of H-1B visa professionals in the United States in FY 2013. On 15 February 2015, its market capitalisation was ₹ 263,735 crores ($42.51 billion), making it India’s sixth largest publicly traded company.\nCompany Website: www.infosys.com\nExperience: 0 – 4 Year\nJob Location: Bangalore\nSalary: Best In Industry\nEducation: Any Graduate with no backlogs from 2015 to 2020 Batch (Without Backlogs)\n- Ensure proper delivery, upgrades/upsells and adoption of products and services.\n- Identify opportunities for upselling and cross selling Client cloud collaboration products and services.\n- Discover use cases, uncover customer needs and drive increased adoption.\n- Collaborate internally with Sales & broader cross functional groups to drive continuous improvement in providing a superior customer experience.\n- Establish a common understanding with the customer for the ROI they are receiving from Client Solutions via the product chain.\n- Leverage the acquired knowledge of the customer to ensure Client enables the customer to achieve their Business Outcomes through onboarding, adoption, expansion and renewal.\n- Participate in campaigns, projects, and initiatives to insure successful implementation…Read more>>", "label": "No"}
{"text": "If you need a good deal on a portable battery, today is your day. Amazon is throwing a one-day sale on Tozo power banksRemove non-product link. All power banks are 20 percent off, and while we haven’t reviewed an Tozo products, they enjoy a very high rating among buyers. Plus, Amazon itself handles shipping for these products, which means they are covered by Amazon’s return policy. The sale ends just before midnight on Tuesday evening.\nFirst up we have the Tozo WB1 portable charger for $16, down from $20. This power bank has a 10,000mAH battery that can push out up to 18 watts. The company says this charger packs enough power to juice up the iPhone 11 three times, or the iPhone SE four times. It includes two standard USB ports and one USB-C port for charging devices, and one micro USB for charging the power bank itself.\nNext, we have the Tozo PB2 power bank for $24, down from $30 and the all-time low. The PB2 is a 20,000mAh power bank—twice as much as the WB1—that features a digital LCD display for showing the capacity remaining. It has two standard USB ports and one USB-C for devices, and one micro USB for charging the battery itself.\nFinally, there’s the Tozo PB3 for $18.39, down from $23. This is another 10,000 mAh power bank, but this time it’s meant to be slimmer and lighter with only one standard USB port, one USB-C port, and a micro USB for charging the battery.\nThere are a few other power banks as well as a variety of colors available for each model.\n[Today’s deal: One-day sale on Tozo power banks on Amazon.Remove non-product link]", "label": "No"}
{"text": "South-West Stand Sponsor\nHerbalife Ltd. is a global nutrition and direct selling company. Our products include protein shakes; protein snacks; nutrition, energy and fitness supplements; as well as personal care products. The company markets and sells its products through a network of 2.3 million Independent Distributors who conduct business in over 80 countries worldwide.\nVisit Herbalife's website for more details\nSussex return to LV=County Championship Division One action today when they take on Warwickshire at Edgbaston (12.00pm start, 11.00am all other day..read more »\nThe Olympic Torch is coming to Sussex soon and supporters who are attending the Clydesdale Bank 40 fixture between Sussex Sharks and Kent Spitfires..read more »", "label": "No"}
{"text": "Finding the Best Methods of Attracting New Marketing Leads Through Email\nIt’s easy to see how modern companies are going to be dealing with all kinds of heavy competition. Companies in just about every industry these days are facing international competition, which means a focus on global sales is more important than ever. When you’re hoping to expand your reach into new markets or are hoping to be able to build up the sales in the markets where you’re currently winning, it’s important that you figure out how to reach out to new types of customers by nurturing some leads.\nStill, you’ll find it very helpful to consider just how much of the marketing you’re doing these days will need to be done on some internet platform. Because people these days are going to be using the internet for just about everything they might need to purchase, your best shot at getting people to pay attention to your products will be to have the right email marketing leads. In the article below, we’ll explain a couple of the processes you can use when you want to be sure that you’re making smart choices about how you develop your email list and use it to market to people.\nWhen you’re trying to develop your email list marketing plans, the main thing to do is to ensure that you are getting the sorts of addresses for people who want to receive what you’re sending. As you try to come up with a way to get the maximum email list ROI, you’ll find it helpful to know whether the email addresses that you’re collecting are going to be ones that will look at what you send. By taking a close look at the statistics from your email, you should find it very easy to come up with an accurate list and demographic set that will make it easier to ensure that you’re getting the most from each email you send.\nYou’ll also find that doing some email lead nurturing can help attract customers to your business that you might not have considered before. With so many people choosing to seek out new types of products entirely on their own, you’ll find that there are many types of customers who will be looking for new email lists to sign up for.\nYou’ll find that effective email marketing leads will be the right way to succeed in your work. You’ll discover that it can be very easy for you to build up the right type of email list when you know just what kinds of people you’re trying to reach. Once you’ve been able to get marketing emails sent out to even more people, it shouldn’t be any problem to achieve the kinds of results you’re looking for.", "label": "No"}
{"text": "Jetstar CEO, Bruce Buchanan announced (28-Jan-2010) the carrier plans to target 100% passenger self check-in for Australian and New Zealand domestic services during 2010, by doubling the number of self check-in kiosks. The proposal builds upon existing customer self service technology now in place for Jetstar’s domestic passenger base, including Web Check and Self Service Kiosks at some airports. This will be complemented by the introduction of SMS Boarding Pass technology during 1Q2010 and automatic Web Check and pre-enrolment for flights at time of booking. Existing staff from primarily check-in duties will be redeployed to customer service and revenue generating activities. [more]\nJetstar targets 100% passenger self-service check-in\nYou may also be interested in the following articles...\nCebu Pacific Air reconsiders Melbourne under Tigerair Australia partnership as Sydney route improves\nCebu Pacific Air is again looking at expanding in the Australia market by launching flights to Melbourne. Efforts in recent months to improve Cebu Pacific’s performance in Sydney, which was launched in 2014, are bearing fruit and the airline is confident with Melbourne it can stimulate further demand in the Philippines-Australia market.\nThe LCC initially added Melbourne to its network plan in 2015 after the Philippines and Australia forged an extended air services agreement. But Cebu Pacific subsequently decided to shelve plans to launch Melbourne, and has instead been using additional A330 capacity to expand in its domestic and regional international market.\nMelbourne is now back on the agenda and is the next priority – leapfrogging Honolulu – for Cebu Pacific’s long haul operation. A new partnership with Melbourne-based Tigerair Australia is a key driver in making Manila-Melbourne a viable route, along with the anticipated rapid growth in Australian visitor numbers to the Philippines.\nPhilippine Airlines Part 2: more expansion to Australia and China as A321neos arrive in 2017\nPhilippine Airlines (PAL) is planning more international growth over the next year or two with a focus on Australia, China, the US and potentially Europe. Nonstops for Brisbane and more capacity for Sydney are in the pipeline for Australia, while in the Chinese market PAL is looking to launch Chengdu.\nIn Europe PAL is considering adding a second European destination in 2018, with Frankfurt and Rome under consideration. PAL has already added capacity to Europe this year by upgrading its London Heathrow service to daily.\nThis is the second in a series of analysis reports on the Philippines market. The first report focused on PAL’s Middle East operation, which could be reduced in 2017 amid intensifying competition and weakening demand.", "label": "No"}
{"text": "This article was originally published in The Gray Sheet\nNext-generation Lifepath endovascular graft system for abdominal aortic aneurysms, which uses stronger \"wireform\" supports, gains CE mark approval for European marketing. In April 2000, Edwards suspended sales of a first-generation system outside the U.S., as well as clinical trials worldwide, following fractures in the wire scaffolding\nYou may also be interested in...\nBy handing out free supplements to the clinically vulnerable, the UK government is effectively endorsing the use of vitamin D to reduce the risk and/or severity of COVID-19, although it says more research is needed.\nA few months after bringing AstraZeneca onboard as a partner, the turnaround at the Alderley Park-based firm is moving ahead, buoyed by a fresh financing.\n2019 saw fewer revenue-boosting major acquisitions by top-tier medtechs. Companies that reported after the calendar year-end were the first to see the consequences of the pandemic on their annual figures.", "label": "No"}
{"text": "So does anyone know what might come up , especially in the long questions? Does anyone think Communication & ICT could come up? What hasn't appeared in a while? What always appears? What about the mocks? Are they harder than the real thing?\nmarketing comes up as question 7 and people in business come up as question 1. unit 3,4,5 for abq\nFranchising, business plan, business expansion, break even chart, managing change, taxation and TQM haven't come up the past few years\nBusiness Plan, Letter Writing, Business Reports and Memo, Average Clause (short Questions) have not come up for a few years! Break even chart where the BE point changes due to a change in the variable cost is also likely, look at my notes.\nFunctions/Role of the Human Resources Manager has also not come up for a while.", "label": "No"}
{"text": "Amazon CEO Jeff Bezos shares his thoughts in a shareholder letter every year - here are the highlights\nMichael Seto/Business Insider\nAmazon CEO Jeff Bezos has written a letter to shareholders every year since 1997, when he took his company public.\nWhile the letter is intended to recap Amazon's accomplishments over the year, it also comes with a lot of great business insights and management advice Bezos has picked up while running a company that's now worth $300 billion - which is why a lot of people consider it a must-read for any aspiring business professional.\nHere's a run down of some of the most interesting excerpts from each of the shareholder letter published over the past 19 years:\nDisclosure: Jeff Bezos is an investor in Business Insider through hispersonal investment company Bezos Expeditions.\n- Netflix confirms an ad supported tier is coming to its streaming service by year end\n- Accenture, Cognizant could see revenue growth but a strong US dollar could spoil the party\n- Kharif sowing is off to a weak start with extended dry spells and floods\n- Best ladder for home use in India\n- Welcome to Bengaluru Ikea, did we mention the traffic, says competitor Wakefit", "label": "No"}
{"text": "AIPLA 2018: The challenge of licensing in the IoT\nfilograph / iStockphoto.com\nThe past couple of years have seen, and the coming months will see, an enormous expansion in the uncertainty and risk for the whole digital technology sphere in the EU, an industry conference heard.\nThe rest of this article is locked for subscribers only. Please login to continue reading.\nIf you don't have a login, you will need to purchase a subscription to gain access to this article, including all our online content. Please use this link and follow the steps.\nFor multi-user price options, or to check if your company has an existing subscription to us that we can add you to for FREE, please email Atif Choudhury at firstname.lastname@example.org\nAIPLA 2018, digital technology, intermediaries, ISPs, CJEU, copyright infringement, safe harbours, DMCA, Brinkhof, The Whitehair Law Firm, liability", "label": "No"}
{"text": "Mobisoft Infotech has been named the third best Android development company by the independent authority on web design and development, bestwebdesignagencies.com, for the month of March 2012.\nThe independent authority on web design and development, bestwebdesignagencies.com, has released their list of the best Android app development companies for the month of March 2012. Mobisoft Infotech has been named the third best Android development company based on their past performance, the independent evaluations by bestwebdesignagencies.com, and their customer references. Thousands of mobile development companies are considered for the evaluation process whereas only the ten best are highlighted in the rankings.\nMobisoft Infotech provides mobile development services in a variety of platforms including Android development in order to help businesses create custom applications which provide them with value. As a part of their mobile development services, Mobisoft Infotech provides game development, web service integration, animation, m-commerce, and social marketing development services for the Android and iPhone platforms. They also provide assistance in porting and converting applications over from other mobile platforms to the Android platform.\nThe process for evaluating Android development companies involves a proprietary approach undertaken by the independent research team at bestwebdesignagencies.com. Five areas of evaluation are used to benchmark the services provided by each Android app developer based on the five aspects of development which determine the success of developed applications. The five areas include development quality, speed, bug testing, customer support, and overall design quality.\nCustomer references are also used to obtain new perspectives on the services which each Android developer provides. Customers are asked general and specific questions about the applications which have been designed, their original expectations, and whether the service provider was able to meet those expectations during the development project. During the conversations, customers of Mobisoft Infotech indicated a strong process for custom mobile development which met or exceeded their expectations.\nbestwebdesignagencies.com releases their list of the best Android development companies in the web design and development industry. Mobisoft Infotech has proven itself to be a strong service provider offering quality development services for the Android platform. Those looking for a professionally designed and developed mobile application should consider Mobisoft Infotech as their Android app company.\nbestwebdesignagencies.com is an independent research firm with a dedication to providing a list of the best web design companies and web development firms in the industry. Through meticulous research and developed methods for evaluating and ranking companies, bestwebdesignagencies.com has provided customers of web design and development services with a great resource to find a top performing web design company. Evaluations are carried out by a specialized team of researchers who examine thousands of applicants each month. bestwebdesignagencies.com provides their rankings free of charge to companies and individuals searching for a quality web design firm or looking for other design and development services with updates being provided on the first of each month. The website also provides information and resources for those looking to learn more about web design and development services.\nTo view the complete list of the Best Android Development Companies.\nTo learn more about Mobisoft Infotech visit:", "label": "No"}
{"text": "Welcome to The Stark Transformation Show! In this podcast, I share messages of hope, healing and transformation. I will teach you how to shift your mindset, conquer your fears and become --\nthe best version of YOU!\nYou'll get to witness healings as well as hear from my\nmentors & teachers about the extraordinary journey I’ve been\non for well over a decade.\nWe’re so glad that you are enjoying the podcast!\nThank you for considering to donate and keep the podcast going. Your donation helps to pay for the production of the podcast, Amy's time, her scheduler, the hosting platform, and all incidentals that help to make the podcast special.", "label": "No"}
{"text": "This article applies to:Connector for Sage 300\nAvalara tax codes aren't just for products and services you sell. Use them to help you deal with varying taxability of shipping and freight.\n- In Sage 300, go to Sage Sales Tax Powered by AvaTax > AvaTax Setup.\n- Click AvaTax Freight/Misc. Tax Code.\n- Click the magnifying glass next to Tax Code and select an Avalara tax code from the list.\nThe Avalara tax code you select is used for freight line items on your transactions.", "label": "No"}
{"text": "15 February 2013 | News | By BioSpectrum Bureau\nKemwell Biopharma, India, appoints Dr Ninad Deshpanday as president of R&D\nBangalore: India-based Kemwell Biopharma appointed Dr Ninad Deshpanday as president of R&D. Dr Deshpanday has over 22 years of experience in diverse international roles in the pharmaceutical industry. This includes pharmaceutical development activities for NDAs, specialty drug delivery based 505(b)(2) products, including oral and transdermal, and complex generic products, with several F2Fs and PIVs. He also has rich experience in technical and business development.\nPrior to joining Kemwell, he was president of pharmaceutical R&D at Lupin, in Pune, India since November 2007, with leadership responsibilities for formulations, analytical, and BA/BE activities. Before joining Lupin, Dr Deshpanday was vice president of business development at AAIPharma in RTP, US, with responsibilities for sales and marketing activities for their CM and C functions.\nHe was also VP for drug product development for Synta Pharmaceuticals; and technical business director for the pharmaceutics division of Cardinal Health. Dr Deshpanday earned his doctorate in pharmaceutics from the University of Southern Carolina in 1990, and has an M Pharm. and B Pharm. from LM College of Pharmacy in Ahmedabad, India.\nMr Anurag Bagaria, chairman and managing director, Kemwell, said, \"Dr Deshpanday brings a unique combination of leadership skills and technical expertise in pharmaceutical development, as well as excellent business development skills with a very strong network of customers in the US, Europe and Asia. He will spearhead the R&D business for Kemwell as we continue to grow the geographical footprint and strategically position Kemwell into a leading global contract services provider.\"", "label": "No"}
{"text": "Revealed: The calorie 'blind spot' millions of us have Woman with breast cancer throws 'head shaving party' to.fitflops size 5 sale verizon ??Participant information pack (PDF 3MB) Provider information pack (PDF 2MB) Easy English materials about the Victorian roll out have also been developed. 0 Comments Homemade butterfly cakes If you're interested in buying delicious homemade locally produced food near you and who isn't have a browse on the website for The Cooks of Country Markets (www.\nStarting & running a business Business UpskillsBusiness guides & informationSmarter Business SolutionsBusiness GrowthIndigenous business developmentNot for profit organisations business support programsOctober Business MontheBusinessSmall Business Support LineTrade measurements .fitflops size 5 sale verizon 2574 views As you'll know from my previous post, I've spent the last week on a rather intensive Prince2®. ??\" After a few quiet years post Porcelain you seem to have a lot of books coming out at the moment, is that just a quirk of timing.fitflops size 5 sale verizon\nMeanwhile, the power vacuum in Libya has opened up a new gateway into the continent, one of which people smugglers across North Africa have taken advantage. \"Spurs centre backs Toby Alderweireld and Kevin Wimmer were both booked and Bilic felt there was a case that both should have been sent off. Our fundamental analysis and judgement over the years have helped us to become one of the largest investment trust managers.fitflops size 5 sale verizon", "label": "No"}
{"text": "£20,000 - £24,999 jobs in Business to Business\nBroaden your search\nRefine your search\nFound 6 jobs\nUnusual project management focused role where you will be working alongside researchers and clients rather than in an operations department. This i...\nOne of the largest and best known market research agencies seeks a Field Executive to join their 20+ strong projects team to support the set up, ru...\nThis research-led consultancy is a prestigious player in the Business to Business sector winning numerous awards and accolades\nJoin a leading consultancy in the field of Reputation Research and Management as a Senior Research Executive!\nDue to continued growth, our client seeks a junior researcher for their social and market research practice.\nThese graduate Quant/Qual roles don’t come along very often!", "label": "No"}
{"text": "Isage Communications Pte Ltd\n10 Ubi Crescent #04-85\nTel: 65 62707941\nFax: 65 62707205\nIsage Communications Pte Ltd is focused on implementing network fax solutions which helps organisations saves time and money. We implement GFI Faxmaker (fax server software) with Dialogic Brooktrout and Diva fax boards.\nOur company focuses on implementing network fax solutions. We have many years of experience implementing GFI Faxmaker (fax server software) on Dialogic® Brooktrout® and Dialogic® Diva® fax boards. With a network fax solution, users can send and receive faxes from their desktops and email clients such as Microsoft Outlook. This is as easy as sending and receiving emails. Network faxing reduces the manual process of faxing and waiting for faxes thereby saving lots of time and money for the organization.", "label": "No"}
{"text": "A jet designer that aims to make supersonic flight available to the masses, a durable 3-D printer maker and a company trying to improve post-disaster and space communication are among SCALE Aerospace Ventures' 2021 accelerator cohort.\nEight aerospace companies that are working on next-frontier technologies were tapped for the 13-week virtual program that kicks off on Monday, May 10. A joint partnership of UCLA and Starburst Aerospace, the accelerator is designed to help pre-seed and seed stage aerospace startups find their market fit, develop products, and secure funding through mentorship and workshops.\n\"We often see many of the new ideas that truly propel the aerospace and defense industries forward come from young startups,\" said Francois Chopard, founder and CEO of Starburst Aerospace.\"We believe in this new cohort and are looking forward to the cutting-edge innovation that will develop from this collaboration.\"\nStarburst runs multiple aerospace accelerators all over the world in cities like Paris and Tel Aviv.\nIt is no surprise that Starburst is investing in Los Angeles, known to many as the aerospace capital of the world, consisting of more than 25 aerospace companies including SpaceX. Earlier this year, the U.S. Space Force announced it would establish its acquisitions and technology division in the Los Angeles area this summer.\nThis program was granted $1.4 million by the U.S. Economic Development Administration to develop SCALE Aerospace Ventures.\nHere are the startups slated to join the accelerator this summer:\nWith a team originating from University of Southern California, Atomus works to protect companies from cyberattacks when they share technical data packages for manufacturing. The startup's technology is already being used by the U.S. Marine Corps, the U.S. Air Force and the Defense Innovation Unit.\nLoud sonic booms from supersonic aircraft prevent passenger planes from traveling at supersonic speed. Exosonic has developed a low-boom supersonic jet capable of carrying 70 passengers, transforming commercial aviation while remaining conscious of its carbon footprint.\nThe company's 3D printing system is designed to withstand extreme temperatures and water, unlike competitors. Craitor's capabilities made it attractive to the U.S. Marine Corp, which is working with the company on the development through units at Camp Pendleton, Twenty Nine Palms. It is also working with the Navy through the San Diego Naval Base.\nRebel Space Technologies Logo\nHeadquartered in Long Beach, the startup provides secure radio communication in difficult environments such as space or post-disaster. Rebel Space Technologies leverages AI software and advanced signal analysis.\nRhoman Aerospace Logo\nLos Angeles-based Rhoman Aerospace is developing flight control software for drones. The software aims to increase traditional flight time and provide safety measures that will help open doors for commercial scale drone operations.\nBlack Arrow Logo\nBlack Arrow: This startup focuses on creating more options for companies utilizing data labeling and calibration so they no longer have to rely solely on manual labeling by in-house or international labeling teams.\nThis startup is currently in stealth mode, but according to AngelList, it develops \"AI to accelerate engineering of next-gen & electric automotive/aerospace vehicles.\"\nThis startup applies photo compression technology to spectral images, which captures light across the electromagnetic spectrum. Metaspectral's technology compresses these large images down to as little as 30% of their original size, which makes the evaluation of the images and data more efficient.\nEditor's note: This story has been updated. An earlier version incorrectly stated Techstars is affiliated with Starburst.\n- Here is Techstars' Starburst Space Accelerator Class - dot.LA ›\n- Techstars Starburst Space Accelerator Demo Day is Wednesday ... ›\n- US Space Force Establishes Tech and Acquisition Arm in Los Angeles ›\nOn this week's episode of the L.A. Venture podcast, meet Scott Lenet, the co-founder and president of Touchdown Ventures — a firm that helps corporations run professional venture capital programs. Before creating Touchdown, Lenet was a managing partner at DFJ Frontier and has two decades of experience as a venture capitalist.\nTouchdown Ventures helps corporate funds manage their venture outreach and streamline their investment program. Lenet says Touchdown is working with companies in health care, media, consumer products, agriculture, security enterprise software and has its foot in the door with two different banks.\nDespite being a new company, Lenet says every time Touchdown adds an account, they expand their team. He describes the company as a \"growing beast\" that's \"a corporate venture capital and innovation firm first\" and a \"recruiting and training firm\" second. The firm is hiring right now, which is unusual in the venture world.\nEducation is a very important part of Lenet's work. He wants to upend the \"secretive\" venture industry by prioritizing training the next generation of venture capitalists and \"demystify what this the industry is about.\" In addition to his work at Touchdown, Lenet teaches the \"How to Be a Venture Capitalist\" class at USC and \"Corporate Innovation\" at UCLA for their respective MBA programs.\nLenet is unique among venture capitalists in many ways, but notably in that he believes business needs more regulation. Within his own company, his view is that venture capitalists need to let entrepreneurs manage their businesses, and help their companies thrive from board positions.\n\"It's my job to keep you safe,\" He argues. \"I think that that should apply to what our entrepreneurs do with their businesses, and our job to protect them as well as their junior people. And this is a business where we're professional fiduciaries for other people's money. Most of the money that VCs invest is not ours, right?\"\nTune in to hear more from Scott Lenet on how he runs Touchdown Ventures, tips from his business classes, why he prioritizes training, and how he wants to use venture funds to create positive social impact.\n\"So I think that probably to me, one of the biggest myths that are still sitting out there is this idea that you have to choose between being strategic and being financial. And I would say it's like a false Sophie's choice. You should not pick one or the other. You should figure out how to maximize both.\" — Scott Lenet\nScott Lenet is the co-founder and president of Touchdown Ventures.\ndot.LA Engagement Intern Colleen Tufts contributed to this post.\n- LA Venture Podcast: Scott Stanford on How ACME Capital ... ›\n- Here Are Los Angeles' Top Venture Capitalists - dot.LA ›\n- Ten Venture Capital Firms Commit to 'Diversity' Rider' - dot.LA ›\nNew Study Finds That UCLA and Other Top Research Universities Have Done Little To Make New Drugs Accessible\nDespite gobbling up taxpayer dollars, UCLA and other top U.S. research universities are not doing enough to make drugs and medical devices financially accessible to people in low-income countries, a new report found.\nUniversities Allied for Essential Medicines, a student-run nonprofit focused on making costly medicines cheaper worldwide, used public data and a survey to rank 60 universities on their dedication to improve health disparities in low-income countries.\nUCLA and 16 other top public universities that develop drug treatments got a D-minus rating for centering much of their research around private companies and failing to prioritize global health. The report also found the university failed to fund many projects that would help treat neglected diseases most common in low-income countries.\nAvani Reddy, a neuroscience student at UCLA and one a member of UAEM, said the group compiled the report to ensure that her school and other universities were developing drugs at \"sustainable prices and not obnoxious prices.\"\nGeorgetown and Harvard ranked highest with a B- while other UC system schools, including San Francisco and Davis, also got Ds, while Irvine got a F.\nUCLA declined to respond to questions about the study, but said the university did not participate. UAEM ranked universities that did not respond lower than those that did.\n\"It should be that that research is accessible to people,\" said Devika Shenoy, a UCLA student and UAEM member studying human biology and society.\nThe 20-year-old student organization was born out of an effort by Yale University students to make an HIV/AIDS drug developed at the school and distributed by Bristol-Myers Squibb cheaper for low-income countries by allowing for the production of generics.\nUCLA received $840 million in federal dollars for the 2019-2020 fiscal year, much of which went towards the medical and life sciences schools.\nUAEM wants major federally funded research universities to focus on the issues big pharma companies find less profitable, like when Johns Hopkins surrendered a tuberculosis drug to a United Nations-supported organization to distribute the drug royalty-free. These schools, UAEM argues, should serve a larger public good in part because the public is paying for the research.\n\"Universities hold influence to leverage their significant contribution in biomedical research to advance global access to essential medicines and health technologies,\" the UAEM report said, pointing to the fact that one-third of new medicines originate in universities, according to a 2010 report.\nUCLA has come under fire for drug access before. In 2016, the school sold a drug it developed to treat prostate cancer to Royalty Pharma. When a generic drug company in India tried to reproduce it, the school filed a patent claim, sparking protests. Ultimately, UCLA prevailed. But the incident highlights the pressure public-funded research universities are under to make their discoveries available and the competing demand from a market that relies on them.\nLow and middle-income countries \"may not have access to those resources to invest in R&D the way that schools like UCLA can in order to ensure that global public health needs are really being prioritized,\" Shenoy said.\nCOVID has brought these issues to the forefront. Oxford University originally developed its COVID-19 vaccine with the promise it would be open source so it could be distributed in low-income countries at a low cost or for free. Instead, it became the AstraZenca vaccine after the Gates Foundation brokered a deal between the two parties.\nMeanwhile, only 0.1% of COVID-19 vaccines have made it to low-income countries. In 2020, organizations like Amnesty International warned that many in low-income countries would not have access to patented vaccines owned by wealthier countries. Vaccines specifically made with cheaper and accessible materials have just begun clinical trials, and pharma giant Pfizer will start testing a freeze-dried vaccine that can withstand higher temperatures this month.\nUniversities play a sizable role in the pharmaceutical pipeline, especially in preclinical development, according to Bill Bolding, a senior analyst at Provident Healthcare Partners. Venture firms and pharma companies rarely start investing in bioscience companies until there is proof of concept, much of which is created in university labs.\n\"Usually what you're seeing in the preclinical level is you're seeing like some kind of chemical reaction or proof of some kind of technology, in vitro,\" Bolding said.\n- Scientists Making Brain Computers Worry about Ethics, Safety - dot.LA ›\n- UCLA Gets FDA Approval for New COVID-19 Test - dot.LA ›", "label": "No"}
{"text": "Diptyque is a strategic consulting firm that specializes in Web Content & Design, with expertise stretching from brand identity to the creation of hypermedia content, from information architecture to the creation of nifty Web interfaces.\nWe work with company leaders at key times in the life of the company or brand - growth stages, changes in dimension or in business model, international expansion - and in particular when the Web becomes the main vector of communication, marketing, transactions, services or sales.\nOur key skills\nProviding conceptual direction\nOrganizing the coherence of the messages\nCreating and distributing appropriate content to suit the various audiences\nDefining real online services that create value both for the company and for its customers/ clients\nOur areas of expertise\nCorporate & Brand Content\nWeb Content & Design\nPortfolio · SeVeal\nSeVeal is France's leader in marketing of agricultural supplies seeds, fertilizers and crop protection products. Its customers are cooperatives, agricultural distributors and producers.\nIn a context characterised by concentration of suppliers and worldwide competition for resources, the SeVeal Web site endeavours to explain the specificities of this new business specialisation and to promote best practices aimed at protecting individuals and the environment.\nThe use of the CSS3 RGBa colour model enables subtle combinations of alpha transparency effects between text and images; it represents an innovative technical aspect of the site.", "label": "No"}
{"text": "It is run collaboratively by the Business School, the Institute of Chartered Accountants in England and Wales (ICAEW) and prestigious accounting firm PricewaterhouseCoopers (PwC). You will benefit from the Business School's teaching, insight and unique international experience, alongside leading professional practice during your time on placement with PwC.\nYou will qualify for exemptions from the Professional stage papers for ICAEW's Associate Chartered Accountant qualification, and can become a fully qualified chartered accountant a year after graduation, subject to successfully completing the Advanced stage papers as required by ICAEW.\nNottingham University Business School is recognised as an ICAEW Partner in Learning, working with ICAEW in the professional development of students.\nYour first year on the BSc Accountancy programme serves as a broad foundation to the study of a range of business disciplines, including modules in financial accounting, assurance, principles of taxation, business law, microeconomics, macroeconomics, quantitative methods, organisation studies and business computing.\nDuring your first year, you will also be liaising with PwC to identify which office you will work in over the next three years.\nAfter taking a block period of study in early September on audit and assurance, you will spend September to December on a paid placement with PwC. The office you are based in will be your office for the rest of the time on the programme, which will help you make friends and build lasting relationships with others who work in the same office.\nWhile on placement, you will be working on real client work, applying the knowledge you have learnt earlier in the course. You will return to your studies in January, where you will take modules on tax compliance, financial accounting and reporting, financial management and management strategy.\nYou will start year three undertaking another block of study in early September on business planning for taxation. Following this, you will spend September to December on a further paid placement with PwC, where you are likely to be taking on more complex work.\nYou will return to your studies in January, where you will take modules on financial markets, financial accounting and reporting, business ethics, corporate finance and management accounting and decisions.\nStarting your final year in September, you will study modules on contemporary issues in accounting. You will then be able to take a further four optional modules chosen from subjects such as management accounting and decisions, risk management decisions, human resource management, entrepreneurship, corporate restructuring and governance and financial markets.\nYou will also be able to undertake a dissertation as an optional module if you wish. Your studies with the University will conclude in January and you will then undertake your final paid placement with PwC from January to May.\nI'm looking forward to putting the knowledge I’ve gained in lectures and seminars into action on my PwC placement in London.\nKira Eilfield, BSc Accountancy\n- This course includes paid work placements with PwC and secondment opportunities to overseas offices and other parts of PwC's business\n- You may be eligible for exemption from the Professional stage papers for the ICAEW's Associate Chartered Accountant qualification\n- You can become a fully qualified Chartered Accountant a year after graduation (having successfully completed the Advanced Stage papers of the ICAEW's Associate Chartered Accountant qualification)\n- One of the UK's leading centres for management education, part of an elite group of global EQUIS accredited business schools\n- Nottingham University Business School is recognised as an ICAEW Partner in Learning", "label": "No"}
{"text": "Honda - Toms River, NJ / Scammers and Dis-honest sales team\nOn Friday October 20th I went to the Honda Dealer on rt 37 in Toms River,NJ at 5pm , I saw a 2006 Honda Accord listed for $16, 995, after talking to the sales man and explaining that I didn't want to waist my time with price negotiation ,I made an offer of $16,ooo, he went and spoke to his manager Miegel, Miegel came and after a few minutes going back and forth with the price, we both agreed on a price of $16,400, the sales person started to do the paper work and they took the car to get it ready for pick up, it's now 7pm and we're waiting to see Lisa the finance person, we wrote a $5,000 deposit check and started to sign all the paper work , Lisa was really pushing me to by the gap insurance and the extended warranty, I declined, she must have mentioned the gap insurance and the extended warranty about ten times and each time I said no thanks, she kept on waisting time, excusing her self and leaving the office, it's now 9pm, she came back to the office and said I just got a phone call from her General Manager Wayne and we can't sell the car at that price, after we had an agreement, how odd?? when we said NO to their Gap insurance and extended warranty, that would have cost us an additional $3,ooo the deal was not worth it for them, they waisting 4 hours of my time, I don't understand how this dealership can be so dis-honest and continue to scamme customers, I was warned about this dealer from my friends, I should have listened.\nI would never ever ever go to this dealership for anything. They wasted my time, swindled me and tried their best to screw me over. They are liars, scammers and completely dis-honest", "label": "No"}
{"text": "Cash Balance: Bonus Balance:\nWhen you play slots online, you often see them described as being a certain denomination. Some players even claim that slots of a certain denomination pay better than others.\nNot sure what denomination is? Read on to find out more.\nWe’ll discuss whether some specific denomination slots pay better than others, why denomination matters and playing max bet in slots.\nA denomination is a mathematical term referring to the amount of money a coin represents; it refers to how many credits you can get for your money in slots.\nWhen you play an online slot, you choose the coin denomination before you bet. The coin denomination represents the value of each coin. The value of each coin differs from slot to slot, but many have coin values between 0.01 and 1.00.\nSlot machines with a 0.01 denomination are often referred to as penny slots. Penny slots may appeal to players with a smaller bankroll or those that want their bankroll to go further.\nWhen choosing a slot to play, coin denominations can be a major deciding factor as they allow varied slot limits. Having a range of slot limits means there will likely be something to suit all kinds of players.\nA player’s total bet depends on the number of coins they bet and the number of coins per payline. The highest denomination in slots is betting max. Most slots offer a “bet max” option. If you choose to bet max, check what that amount is on your chosen slot, as some can go into the hundreds of pounds.\nLow-denomination slots, or penny slots, are popular in online casinos due to their low cost. You can place bets from as little as £0.01 per spin to start playing.\nPenny slots appeal to many players as betting lower amounts per spin means you could enjoy playing your favourite slots for longer than if you were betting more per spin. They may be ideal for beginners as they can play slots whilst risking less per spin than on higher denomination slots. Some popular low-denomination slots include:\nOn the opposite scale, there are high-denomination slots. These require placing a higher stake per spin than in lower denomination slots, which could potentially lead to playing through your bankroll more quickly. On the one hand, the prizes tend to be a lot bigger if a slot requires placing higher stakes. However, you can never predict wins, as slots are a game of chance, and the outcomes are random. Here are some of the best high-denomination slots to play:\nWhile a higher denomination slot may offer larger payouts, this does not mean that the player will win more simply because they are playing a higher denomination slot. If a player plays a high denomination slot and wins, they are going to win more than if they played a low denomination slot and won, but the only reason for this is that they are spending more to play.\nPlaying high-denomination slots can get expensive very quickly, with each spin costing more than it perhaps would on low-denomination slots. For example, if you were playing £100 per spin, the losses would add up fast! So always remember to never bet anything you can’t afford to lose.\nRather than looking at the denomination of a slot, consider looking at the RTP (return to player) percentage instead. This indicates how much a slot pays back to players over time. For example, a slot machine with an RTP of 97% would theoretically pay back £97 to players for every £100 over a long period.\nA high-RTP slot would have an RTP rate higher than the industry average of 96%. As a result, high-RTP slots generally pay out more to players in the long term and have a lower house edge than low-RTP slots.\nPlaying max bet in slots means that you are betting the maximum amount possible for that game. When you place a bet, you will notice that there are sometimes “bet min” and “bet max” options. Clicking these is a quick way to choose the maximum/minimum bet.\nSome players believe that playing ‘bet max’ gives them a greater chance of winning. However, this is not true. The size of your bet does not matter when playing slots. You could bet £100 or £0.01 and still have the same chance of winning or losing; it doesn’t make a difference. This is because the outcome of a spin is always random. All slots use a random number generator that randomly determines the outcome of a spin. So the bet size is irrelevant.\nOf course, if you place a higher bet, then the payouts will be larger, but this is because they are proportional to your bet amount. A payout of 5x your wager will be larger for a wager of £10 than a wager of £5. However, you are staking more per spin, and it means you risk losing money at a faster rate.\nThe most important thing to remember is to gamble responsibly. Set limits and stick to them. Don’t bet money you aren’t comfortable losing, and never chase losses.\n*All values (Bet Levels, Maximum Wins etc.) mentioned in relation to this slot game are subject to change at any time.", "label": "No"}
{"text": "Vugar Samadli boasts over 20 years of experience in the energy industry, having worked for globally renowned companies.\nMr. Samadli is the Head of Energy at NEQSOL Holding and Chief Executive Officer of Nobel Energy (formerly Nobel Oil Services), the energy group within the Holding.\nVugar Samadli assumed the role of Chief Executive Officer at Nobel Energy in 2017 due to his exceptional management of the energy group’s operations and significant contributions towards advancing the company’s objectives. Before taking on the CEO position, he served as the Chief Operating Officer of Nobel Energy from 2015 to 2017. His journey with the Nobel Energy group began in 2013 when he joined as the General Director of Global Energy Solutions, an affiliate company of Nobel Energy.\nEarlier in his career, Mr. Samadli held leadership positions, including General Director at Oil and Gas ProServ, a joint venture involving SOCAR, Siemens, and Target Petroleum. Before that, he was the Regional Manager at John Crane Middle East from 2009 to 2013. Prior to this, Mr. Samadli held executive roles at DET-AL Holding and Azelektroterm.\nHis professional journey began in 2003 at BP, where Mr. Samadli actively contributed to significant projects and rapidly ascended to prominent positions within the company.\nIn 2019, he received “The Taraggi Medal” in Azerbaijan for his notable contributions to the country's oil industry development.\nMr. Samadli holds a Bachelor’s degree in Mechanical Engineering from Middle East Technical University and a Master of Science in Mechanical Engineering from the University of Florida. He also possesses a Project Management diploma from George Washington University and has pursued an executive MBA with SMITH Group. Currently, Mr. Samadli is actively involved in scientific research for his PhD dissertation in Chemical-Mechanical Engineering at the Azerbaijan National Academy of Sciences.", "label": "No"}
{"text": "Yarmuth Wilsdon represents clients — large and small — in a wide variety of business disputes, including securities litigation, employment litigation, real estate transactions, fraud claims, equine law matters, environmental litigation, misappropriation of trade secrets, unfair business practices, shareholder and partnership disputes, and contract actions.\nRepresentative clients and matters include:\n- Federal Home Loan Bank of Seattle — The firm, along with co-counsel in New York, currently represents the FHLB of Seattle in the prosecution of claims against eleven investment banks, (including Goldman Sachs, Morgan Stanley, Merrill Lynch, Countrywide, Bear Stearns, Credit Suisse and Bank of America) to rescind the FHLB’s purchase of several billion dollars of mortgage backed securities.\n- Deloitte LLP — The firm has represented Deloitte in numerous matters over the years.\n- David Capobianco and Navin Thukkaram — The firm recently won a judgment for more than $20 million in an arbitration against Vulcan Capital, Paul Allen’s private equity investment entity, on behalf of two former top level Vulcan employees.\n- DIRECTV — Beginning in 1995, the firm has acted as national counsel for satellite broadcaster DIRECTV in developing and implementing legal strategies to combat signal theft. The firm is credited with pioneering novel uses of the Digital Millennium Copyright Act and other federal statutes to obtain civil writs of seizure and other relief.\n- News Corp. — Since 1996, the firm has represented News Corp. in a series of anti-piracy and related litigation matters, including lawsuits brought by US and foreign broadcast companies alleging unauthorized dissemination of protected encryption technologies.\n- Cornish College of the Arts — The firm successfully prosecuted through trial, contract claims on behalf of Cornish College against a real estate developer, resulting in judgments in favor of Cornish College totaling several millions of dollars.\n- Weyerhaeuser Real Estate Company — The firm represented WRECO in arbitration and litigation regarding the major master planned real estate and PGA golf course development at Snoqualmie Ridge.\n- Pegram Enterprises — Pegram Enterprises consists of restaurants, real estate and thoroughbred horse racing and breeding facilities, and numerous investment companies. The firm has represented Pegram since 1995, including handling lawsuits in Arizona, California, Washington and Kentucky (involving the breeding rights to Kentucky Derby and Preakness winner, Real Quiet).\n- IDX Systems Corporation — The firm successfully represented IDX (a subsidiary of GE Healthcare) in federal court litigation brought by a former employee involved in a federal research project who claimed that IDX had fraudulently billed the government. The employee’s claims were dismissed.\n- Premera Blue Cross — The firm has represented Premera Blue Cross, the largest health insurer in Washington state, and defended Premera in connection with the government’s investigation of allegations in a qui tam lawsuit arising out of the company’s duties as the regional fiscal intermediary for the Medicare program. The firm also represented Premera in connection with the wrongful termination lawsuit brought by the former company employee whose allegations prompted the investigation.\n- Motion Picture Association of America — The firm’s lawyers have represented the MPAA’s members (Warner Bros., Paramount, MGM, Universal, Sony, Disney and Fox) since 1973 in litigation throughout the western United States.\n- Recording Industry Association of America — Since 2003, the firm has played a major role in assisting the RIAA in anti-piracy efforts directed at illegal file sharing.\n- Wedbush Morgan Securities — The firm represented this California based securities firm in a state court class action securities case arising out of a fraudulent $20 million bond offering.\nThe firm litigates a broad variety of cases, and is dedicated to their efficient, economical and timely resolution — but has the experience and capability to go to trial on behalf of its clients if that is what is required to obtain the best possible outcome.", "label": "No"}
{"text": "It also was because 'both' goalies got two-year offers elsewhere in FA and Lou had to match. Marty wanted lockout protection and Moose wanted the extra year to relocate his family. Other teams were willing to give it to them.\nIf Lou didn't, the goalie FA market was BAD last year. Montoya, Chris Mason and Gustavsson were the top goalies period that moved in FA. Bobrovsky wasn't available to 'us' in trade and they would have had to pay a pretty penny to trade for other unproven guys like Lindback.\nI don't really see anything else Lou 'could' have done this offseason. Especially given how well both played last year.\nMarty was a no-brainer...even if the second year had the potential to blow up (which we won't know until the '13-'14 season is well underway). Everyone involved likely knew the Devils would be getting a diminished version of Marty, but one they could live with, especially to see him retire a Devil. Like I said, a risk, but one I think Lou had to take, especially considering the player, and I think he did so willingly.\nI think if Lou felt someone in the system was close, he probably would've let Hedberg walk. But yeah, between there not being being great options out there and uncertainty about what the Devils had in house, I think Lou probably gritted his teeth a little with the Hedberg re-signing. He probably didn't love giving him that second year.", "label": "No"}
{"text": "DIGITALNA ARHIVA ŠUMARSKOG LISTA\nprilagođeno pretraživanje po punom tekstu\n|ŠUMARSKI LIST 1-2/2020 str. 76 <-- 76 --> PDF|\nSince 1874, when the property districts of Đurđevac and Križevci were established, the areas of Podravina and Prigorje were marked by organized forestry and management of the most valuable national asset. It can be stated that the forests of this area have been systematically taken care of for 145 years. The paper presents a historical outline of law regulations related to forestry of the researched area, along with foundation and activity of the property district of Đurđevac aswell as forestry districts or regional forestry offices.\nKey words: law regulations, property district of Đurđevac, forestry administration, forestry", "label": "No"}
{"text": "Overview of South Dakota\nSouth Dakota is a state located in the Midwestern region of the United States. It is named after the Lakota and Dakota Sioux Native American tribes, who dominated the territory. The state is the 17th largest in the country, with an area of 77,116 square miles (199,746 km2). South Dakota is bordered by the states of North Dakota to the north, Minnesota to the east, Iowa to the southeast, Nebraska to the south, and Wyoming to the west.The state has a population of 867,593, of which 89% are White, 8% are Native American, 2% are Hispanic or Latino, and 1% are Black or African American. The largest city and capital is Pierre, with a population of 13,646. The state is home to many attractions, including the Black Hills, Mount Rushmore, and the Badlands.\nSouth Dakota is a great place to live, work, and raise a family. The state has a low cost of living and is a great place to find a job. The economy is strong, and the state offers a great quality of life. If you are thinking of moving to the Midwest, South Dakota should be at the top of your list.\nPopulation Composition of South Dakota\nSouth Dakota has a population of around 850,000 people, and the distribution of that population is fairly evenly split between the sexes. About 49% of the population is male, and 51% is female. The population is also relatively evenly distributed across all age ranges, with the largest age group being those aged 25-44. Slightly less than 20% of the population is under the age of 18, and around 12% is aged 65 or older.The racial makeup of South Dakota is also quite diverse. The largest racial group is white, making up around 85% of the population, but there are also significant numbers of Native Americans, Asians, and Hispanics. This diversity is one of the things that makes South Dakota such an interesting and unique place to live.\nSouth Dakota Boundary, Census and Statehood History\n- Sioux Falls(200,243)\n- Rapid City(76,053)\n- Box Elder(12,536)\nUS States - Ranked by Population 2022\n|2021 Population||Growth||Land Area Mi||Density (mi²)|", "label": "No"}
{"text": "1862 - 1923\nThe origins of higher agricultural education\nThe main building of the University of Latvia at the end of the 19th century.\n- In 1862 the Riga Polytechnic Institute was founded - the first students were admitted to the Preparatory Grade.\n- In 1863, in the Riga Polytechnic School the Department of Agriculture was founded, in which it was possible to obtain higher education in agriculture.\n- In 1896, the Riga Polytechnic Scool was transformed into the Riga Polytechnic Institute. The Department of Agriculture was located in the laboratory building of the Institute on Pushkin Street (now A. Kronvalda Boulevard, 4).\n- On September 28, 1919, the grand opening of the Latvian Higher School took place. The Agricultural Faculty consisted of two departments - Agriculture and Forestry. At the same time, the Faculty of Veterinary Medicine opens its doors for students for the first time.\n- In 1920, the Department of Forestry was created in the Faculty of Agriculture, and in 1921 the center of the Vecauce estate with the lands belonging to it was transferred to the faculty.\n- In 1923, the Latvian Higher School was renamed as the University of Latvia.\n1936 - 1941\nCreation of an independent institution of higher education\nJelgava Palace in 1939\n- On July 26, 1936, the Cabinet of Ministers made a decision to transfer the Faculty of Agriculture of the University of Latvia to Jelgava, thus creating a new institution of higher education - Jelgava Academy of Agriculture.\n- On December 23, 1938, Prime Minister Karlis Ulmanis signed the Law on “Statute of the Jelgava Academy of Agriculture”.\n- On July 3, 1939, the Jelgava Academy of Agriculture was opened, in which there were two faculties: Agriculture and Forestry.\n- On October 28, 1939, the premises of the Jelgava Academy of Agriculture were consecrated with the participation of the President Karlis Ulmanis.\n- In 1940, the curriculum of the Academy was changed in accordance with the models of the universities of the USSR. The term of study at both faculties of the Jelgava Academy of Agriculture was extended to five years.\n- On June 29, 1941 Jelgava was occupied by the German fascist army, and the Jelgava Academy of Agriculture was renamed as the Academy of Agriculture in Mitava.\n1944 - 1961\nRestoration of the Academy\nRestoration works in the Jelgava Palace in 1961.\n- In July 1944, the Jelgava Palace was ruined and the University ceased to exist. It was reopened in Riga as the Latvian Academy of Agriculture with five faculties - the Faculties of Agriculture and Forestry, the Faculty of Veterinary Medicine - transferred from the University of Latvia, as well as the newly created Faculties of Agricultural Mechanization and the Faculty of Agrotechnics and Households.\n- In 1945 at the Latvian Academy of Agriculture was established the Department of part-time studies.\n- In 1947, the Faculty of Land Management was established at the Latvian Academy of Agriculture.\n- In 1948, the Faculty of Hydromelioration was established at the Latvian Academy of Agriculture.\n- In 1948, instead of the Faculty of Agrotechnics and Household, the Faculty of Food Industry Technologies was created.\n- In 1949, the Forestry Engineering Faculty was created, and the Faculty of Agriculture was divided into two faculties - Agronomy and Zoo-technics.\n- In 1955, the Department of part-time studies was transformed into the Faculty of part-time studies with five departments. During the 1955/56 academic year 972 students studied part-time\n- In 1956, by a separate decision on October 20, the Bureau of the Central Committee of the Communist Party of Latvia allowed the Academy to publish its newspaper “Plēsums” - in Latvian, on four pages, in a format equal to half of the newspaper “Pravda”, with the frequency of 2 times per month, with a circulation of 1,500 copies. On November 3, the first issue of the newspaper “Plēsums” was published.\n- On October 29, 1956, the Council of Ministers of the Latvian Soviet Socialist Republic made a decision to move the Latvian Academy of Agriculture to Jelgava.\n- On September 1, 1957, the Faculties of Forestry and Timber processing, as well as the Faculties of Hydromelioration and Land Management, began to work in Jelgava. The transfer of other faculties from Riga to Jelgava continued until 1964.\n- In 1960, male and female choirs, a combined song and dance ensemble, a stage ensemble, dance and drama groups acted at the Latvian Academy of Agriculture.\n- In 1961, five problem laboratories and two scientific and industrial laboratories were established at the Academy of Agriculture in Jelgava.\n1968 - 2018\nNew faculties are being created\nThe central building of the LLU - Jelgava Palace from a bird's eye view in 2008\n- In 1968, the Faculty of Agricultural Economics was established at the Latvian Academy of Agriculture.\n- In 1984, the Faculty of Agricultural Construction was established at the Latvian Academy of Agriculture.\n- In 1990, the Institute of Humanities opens its doors at the Latvian Academy of Agriculture.\n- In 1990, the Institute of Informatics was established at the Latvian University of Agriculture.\n- In 1993, by merging the faculties of Water Management, Land Management and Rural Construction, the Faculty of Rural Engineering was created. At the same time, the Faculty of Agriculture was created by combining the faculties of Agronomy and Zoo-technics.\n- On February 5, 1998, the Saeima approved the Statutes of the Latvian Agricultural University, and on February 18, the President of Latvia Guntis Ulmanis announced its entry into force.\n- In 2009, the illumination of the eastern facade of the Jelgava Palace, faced towards the Lielupe River, began to work.\n- In 2011, the renovation of the third floor of the eastern wing of the Jelgava Palace was completed.\n- Since September 1, 2012, the tradition of paving the academic road begins replacing the habitual tradition of the first grade students to plant trees in the park of the Jelgava Palace.\n- In 2013, the Faculty of Economics and Social Development was established.\n- In 2014, the reconstruction of the Valdeka Palace was completed.\n- In 2015, the Senate Hall of the LLU was restored.\n- In 2016, the contract was signed on the implementation of the project “Improving Energy Efficiency and Renovation of the Facade of the Jelgava Palace”.\n- In 2017, the replacement of the windows and doors of the southern wing of the castle and insulation of the attic was started. Also, the repairment of the building facade and ventilation systems was started. As well as cosmetic repair in the Southern Colonnade.Type a message\n- On March 6, 2018, the Senate of the Latvian University of Agriculture approved the name of the university in English - \"Latvia University of Life Sciences and Technologies\".\n- June 14, 2018 marks the 280th anniversary of the laying of the first stone in the foundation of the Palace. Reconstruction works have been completed in the central hall of the LLU, its foyer, as well as in the Gold and Silver halls.", "label": "No"}
{"text": "Released simultaneously in Hindi, Telugu, Tamil and Malayalam, Baahubali managed to collected a gross share of 300 plus crores after the completion of the first week. The film has surpassed business of hit films like Aamir Khan’s PK.\nNever has any Indian film managed to do such business and going by the latest reports, the film looks unstoppable and is slated to dominate in the future as well.\nDirected by the genius S S Rajamouli, this film was made in two parts. Rana and Prabhas play pivotal roles in this film which has broken all possible box office records in India and overseas.\n- Andhra Pradesh govt. to grant tax exemption for movies made in AP?\n- Has Akira shifted to Hyderabad? Renu Desai clarifies\n- Suriya praises Karthi’s choice of films\n- Star hero injured while performing an action sequence\n- Legendary singer to croon for Rajini’s next", "label": "No"}
{"text": "These meetings are held by workers of Good Neighbors every three months. The main goal of the meeting is to identify the needs and wishes of the students. In addition, high school students are volunteers of our organization who actively participate in the life of the community. Thanks to these meetings, Good Neighbors collects feedback from people about how useful projects in school and community. Youth support is one of the important directions of development in Good Neighbors.", "label": "No"}
{"text": "This vessel possess national significance in commemorating the history of the United States of America. For 39 years it guided transoceanic shipping to and from the east coast ports, through some of the most treacherous shipping lanes in the world. Many famous vessels like the Queen Mary, Normandie and naval cargo vessels depended on her as a navigational aid.\nSpeaker: Bob Mannino will do a power point presentation about the history of the US Lightship Service and Nantucket Lightship LV-112. A must for those who love the sea.\nIpswich Seniors and Members: Free", "label": "No"}
{"text": "Apple has regained its top position in the wearable market, beating Xiaomi. Apple shipped 3.9 million units in third quadrant 2017. In the second quadrant of 2017, Xiaomi got ahead of Apple by shipping 3.7 million units but it has been beaten now as per new research data by Canalys. Apple shipped 2.8 million units last year, same time and this year in Q3 it has shipped 3.9 million units.\nIt must be noted here that Apple has now gained 23% market share of wearable. This is more than 21% market share for Xiaomi.\nApple launched Watch Series 3 LTE a few months back. 800,000 shipments are marked of this watch as per Canalys. The watch became famous for having LTE support that offered faster internet usage to the users.\nJason Low, an analyst of Canalys said, “Strong demand for the LTE-enabled Apple Watch Series 3 has dispelled service providers’ doubts about the cellular smartwatch not appealing to customers.”\nApple’s watch was expensive but its features compelled users to buy it. Xiaomi and Fitbit are right behind Apple in Q3 2017 shipments by shipping 3.6 million and 3.5 million wearable bands respectively. Huawei and Samsung market share is 6% and 5% respectively in Q3 2017.\nResearch Snipers is currently covering all technology news including Google, Apple, Android, Xiaomi, Huawei, Samsung News, and More. Research Snipers has decade of experience in breaking technology news, covering latest trends in tech news, and recent developments.", "label": "No"}
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{"text": "Strategic communication management\nIntegrated Communication (IC) presupposes the alignment and subsequent implementation of the enterprise, corporate and corporate communication strategies of the organisation. The corporate positioning that results from these strategies is communicated through the organisation's unique reputation, image, identity and brand. Environmental scanning furthermore enables the organisation to identify and address issues, risks and possible crises that can influence this positioning. Current corporate governance thinking supports the principle of a symbiotic relationship between business and society by emphasising economic, environmental and social sustainability (the triple bottom line). This culminates in a new realisation of the organisation's corporate social responsibility and its role as a corporate citizen. Ethics in strategic management are highlighted and applicable research techniques are analysed.", "label": "No"}
{"text": "A 2015 report by Morgan Stanley shows that there are 2X more web mobile browsers than app users\nCorporate culture functioning or we may say, web culture changes slightly every few years which\nIrrespective of the framework, agile development makes mobile app development rewarding and fun.\nThere was an era when business was as simple as exchanging goods which we also know\nThe enterprise mobile application market will reach $61 billion by 2018, as forecasted by Strategic\nThe emerging technological trends have fundamentally changed the custom product development proc\nMost mobile applications release on iOS before they debut on Android, much to the chagrin of Android", "label": "No"}
{"text": "Costa Rica today called on the international community to expand and strengthen adaptation solutions to guarantee an ecological and resilient recovery. “The slow pace of current global adaptation actions contrasts considerably with the accelerated pace and high impact of climate change on the planet,” said the Vice Minister of the Environment, Franklin Paniagua, in the presentation of the report of the Global Center for Adaptation (GCA).\nCalled: “A Green and Resilient Recovery in Latin America”, the GCA report contains seven recommendations to the governments of Latin American countries for building resilience and face the social, climate, and health crises generated by the COVID-19 Pandemic.\nPaniagua warned that “if the planet continues at this rate, the climate impacts that we face today will be nothing compared to the losses and damages that the world will face in the year 2030”.\nA climate-resilient world\nThe Costa Rican Foreign Ministry indicates that the presentation of the GCA report was organized by Mexico, as it held the Pro Tempore Presidency of the Community of Latin American and the Caribbean States. It points out that the GCA works as a facilitating agent for solutions to accelerate, innovate, and scale actions that allow adaptation for a climate-resilient world.", "label": "No"}
{"text": "Covers: features, kit/equipment, Scrapbook, opinions, roundtables, supplements, events, sharing best practice, National Recycling Awards.\n- 020 3953 2015\nHaving made five acquisitions in the sector in the past 18 months, Enva has been making its mark\nIt’s the staff who make the companySubscription\nLondonEnergy has set itself on a new path to become fit for the future and part of the circular economy\nCalls have been made for more robust data and recognition of construction, demolition and excavation waste as three very different streams\nPlans drawn up for a secretariat comprising around 16 full-time civil servants\nMuch of the equipment used in the UK waste and recycling sector is manufactured in Europe, so how are businesses preparing for any post-Brexit impacts on operations?\nA DRS can complement kerbside collectionsSubscription\nWhat do the successful Estonian and Lithuanian deposit return systems include, what challenges did they face, and what can the UK learn from them?\nTime for innovation to build UK’s futureSubscription\nThe construction sector wants to improve resource efficiency\nBig Interview: Andrew BradySubscription\nA year ago, EMR set itself a new vision to become the global leader in the provision of sustainable materials\nClothes recycling gets a dressing downSubscription\nWill 2019 be the year that UK consumers, the Government and industry apply the same environmental lens to fashion as directed at plastics\nCanary Wharf wants to take the lead on sustainability", "label": "No"}
{"text": "Shortlisted for the Bord Gáis Energy Irish Book Awards The John Murray Listener's Choice Award for 2013.Part epic of Texas, part classic coming-of-age story, part unflinching portrait of the bloody price of power, The Son is an utterly transporting novel that maps the legacy of violence in the American West through the lives of the McCulloughs, an ambitious family as resilient and dangerous as the land they claim. Love, honour, children are sacrificed in the name of ambition, as the family becomes one of the richest powers in Texas, a dynasty of unsurpassed wealth and privilege. Yet, like all empires, the McCulloughs must eventually face the consequences of their choices.\nTemporarily out of stock.\nUsually despatched in 3 to 7 working days\nDate of Publication: 01/04/2014", "label": "No"}
{"text": "Rubicon Blockchain is a platform that grants structured access to validated data, collected into data flows through access points, which form an integrated network of distributed data storage.\nThe access to data flows is gained through access points, which allow Users to enter Rubicon. Each point of access is categorized by its role in the network and its relevant rights. This platform is HyperledgerFabric-based.\nOur key objective for Rubicon Blockchain is to simplify the development and market entry of the distributed storage technology and data validation services. For this, we have developed frameworks that quickly model Blockchain business processes as well as easy deployment, managment and monitoring of a Blockchain network.\nWe lowered the entry requirements to such a level that any individual with no technical background could create a Blockchain network relying solely on his/her professional background and without involving a big number of experienced professionals.\nRubicon Blockchain allows deploying independent Blockchain and uniting them into integrated clusters to enable network interaction. In fact, one may talk of infinite multitude of Blockchain networks interacting through common data flows, but each oriented at unique business tasks.\nThe CRYPTOENTER© payment system is powered by the HYPERLEDGER Fabric blockchain infrastructure.Read more\nRibicon Blockchain is a platform that grants structured access to validated dataRead more\nA service for conducting ICO campaigns: issue tokens to attract investment and audit expenses.Read more\nThe IoTNet platform consists of hardware and software components.Read more", "label": "No"}
{"text": "Digital label printing\nThe TrojanLabel® T5 is an all-in-one digital print and finish in-line labeling solution. With a superior printing resolution of up to 1600 dpi, the T5 features added enhancements such as spot and SUPERgloss, varnish, lamination, slit & rewind, and optional cold foil application for silver, gold, and metallic decorative accents – all of this one single, compact platform.\nFeaturing operator-friendly TrojanControl software, the touch screen interface comes complete with a job library and includes other benefits, such as a cost calculator – making it easy to review operating costs. Ink consumption is reduced to a minimum, so the T5 delivers the market’s lowest cost of operations.\nThe T4 is a high-capacity digital label press integrated with a firstclass, robust label finishing system. Complete with an advanced label printing press, laminator and semi rotary die-cutting feature, the T4 offers an all-in-one solution for label production from start to finish.\nBuilt on four decades of experience, the T4 encompasses the entire labeling production line within a very intuitive and compact system. Incorporating high resolution digital printing (up to 1600 dpi), standalone and production die-cutting, precision lamination and finishing.\nThe T2-L is the world’s first industrial-grade, professional digital press for flexible packaging utilizing water-based inks. This flexible packaging water-based inkjet press also comes with inline heat-sealable cold lamination. Therefore, the T2-L accommodates a wide range of flexible packaging solutions.\nThe TrojanTwo is the first serious attempt to offer the market an affordable mini digital machine label press, which has the characteristics of the larger and more expensive systems.\nThe press will run at 18 m/min and up to 1600 x 1600 dpi and with sophisticated algorithms and a self-maintaining system it will be able to run larger volumes and maintain high print quality.\nFirst Tabletop High Volume Press Designed with Full Capacity of a Larger Press\nThe T2-C is the first ever high capacity desktop digital label press capable of delivering precision over long runs. Producing consistent, high-volumes in 24/7 production, the T2-C opens new doors in the label printing industry.\nWith a 4 foot square footprint, the T2-C easily fits into any size print department. The T2-C provides labels suitable for commercial use and prime labeling, printing at a superior print resolution of up to 1600 dpi. With a print width of 2” to 8.8”, labels can be printed in multiples or as one large label in a print run. Its impressive print speed of up to 12 inches per second, or 60 feet per minute, allows users to generate extremely large runs in a short period of time.\n- You use traditional thermal transfer label printers and would like to reduce your costs of ribbons, print heads and service.\n- You use labels from a third party provider which is printed in small amounts from various designs, because of private branding demand from your clients or due to a demand of variable data.\n- Using color labels on your products instead of dull and low quality black and white labels would be a commercial advantage.\nThe label printing market is going through a transition period where run lengths are becoming shorter and shorter, media costs are increasing, margins are shrinking and fast turnaround time to market is creating huge pressure on label printers. Here Colornovo bridges the gap between end users, brand owners and the label printers enabling them to print on demand.\nBizpress 13R is the most economical digital press at 7.26 meters per minute, using the most advanced LED toner printer engine. It occupies 1.36 sqm footprint only and operation cost is lower than competitors thanks to economic tonersWide variety of media\nBizpress 13R can print on a wide variety of media such as: high glossy paper, matt paper, PET, PP, PE, and others. Another advantage is that the media is standard flexo media, so you will not have additional priming costs.", "label": "No"}
{"text": "Our manufacturing facilities are built-up and operated according to the latest system. As on today, Shreeji Plastic has technologically advanced and sophisticated manufacturing units. The processes for moulding, plasticize and packing are in well dedicated places. We strive to develop environment friendly manufacturing processes.\nOur facilities are built-up and operated according to the best industrial standard. Backed by a team of technically qualified personals with an attitude to excel, Shreeji Plastic assures of quality products and timely delivery as scheduled. Shreeji Plastic is an acknowledged leader of India’s plastics industry. Our Products and Services with uncompromising quality supported by continuous improvements and innovations thereby exceed Customer’s expectation. We stand committed to seeing this excellence at every aspect of our operations, at every level in the organization. It is because of our larger quality consciousness that helps us make superior products, exceed the expectations of our existing clients, and win new customers with confidence.\nOur manufacturing plant is strategically located at the outskirts of Mumbai. The facility and infrastructure of Shreeji Plastic is located in the heart of business centers for ease of communication and for its proximity to its clients.", "label": "No"}
{"text": "A new form of domain-impersonation cyberattacks is on the rise. Conversation hijacking is the latest threat used by cybercriminals to initiate new conversations based on relevant and private information compromised from email and other sources.\nBarracuda is now offering monthly payments for their line of firewall and backup appliances. Rather than make a one-time purchase, firms can simply subscribe to these devices “as a service”. This post will explain everything.", "label": "No"}
{"text": "There remains one month left in the decade, and soon we'll see 2020. This begins the first in a series of articles compiling some of the UCFS execs' favourite films of the past ten years.\nThe start of a new decade brings new promise and an endless amount of possibilities for the world of film and entertainment. We definitely started off the year with a bang with Kathryn Bigelow’s history making win of the Best Director award at the 82nd annual Academy awards. Her win sparked discussions regarding the wage gap, lack of female filmmakers and what exactly makes a feminist film. The beginning of the decade also served as the start of the end of one of the most popular literary/filmic franchise, Harry Potter. Other highlights? Toy Story 3 busting out as the highest-grossing film of the year, both in terms of money and tears shed from moviegoers, Hailee Steinfeld’s breakout performance in True Grit and the world’s introduction to the term Catfish (and we’re not talking about the animal). But what were the best films of the year? Read below to see what our executives and members picked:\nScout Tafoya of RogerEgbert.com considers 2011 to be the best year for cinema, countering arguments for 1939. Harry Potter and the Deathly Hallows – Part 2 was the highest grossing film of the year, also the highest grossing film in its franchise, and set the single-day and opening-weekend record in the US and Canada. 2011 was also the year that the Shrek franchise became the first animated film series to gross more than $3 billion with the release of Puss in Boots. In world news, Japan was rocked by tsunamis that reached run-up heights (how far the wave surges inland above sea level) of up to 128 feet, causing a level-7 nuclear meltdown. Osama bin Laden was killed, and the world was rocked by the Arab Spring. In good news, over two billion people worldwide watched the royal wedding of Prince William and Kate Middleton, and the world was cursed with the song “Friday” by Rebecca Black. 2011 was also the year that the Space Shuttle Discovery launched for the final time after nearly 27 years of spaceflight.", "label": "No"}
{"text": "Your Guide to Finding the Best Vapes Online at an Affordable Price\nWith the high number of people that are nowadays moving from smoking cigarettes to vaping, the vaping industry has also been growing each day. There is also an increase of the various vaping products that vary in quality and prices. When buying a vape, however, it can be complicated and sometimes even expensive. This is true, especially when it is your first time to buy the products. You, therefore, need to know how and where you can find the best vapes at an affordable price. It is easier to buy dank vapes online by visiting the online stores comparing with the traditional stores.\nSometimes it is costly to purchase your vape products through the traditional stores although there are still benefits associated with it. It is, however, convenient experience when you purchase vapes through the online stores. Some of the significant advantages of buying vapes online, is that you have a chance to purchase only what you want and you also don’t have to deal with hiked prices or pushy salespeople. Below are some tips to help you find the best vapes and at an affordable price through the online stores. It is crucial to consider the battery life when looking for the best and the cheapest vapes online. After finding the product you want at an affordable price, you also need to ensure that the battery life is good before paying for it.\nGetting to realize later that the mod you purchased can only vape for a few minutes is not something that you would want. You also need to consider the vape build material. Vapes that are built with pure titanium is the best. You also need to consider the customer’s reviews and opinions when looking for the best and most affordable vapes online. This is one of the best ways of ensuring that you are not purchasing a fake product. It will be easy for you to decide if a specific brand is reputable and reliable by checking what other users have to say about the products. If a vape company is reputable, their website is supposed to be filled with reviews and opinions.\nIt is also through these reviews and opinions that you will be able to know more about the various vaping accessories. When looking for the best vapes online, you also need to consider the different costs. There are thousands of vape stores that are operating online. With such a vast number of stores that are selling the same products, you need to do a lot of research. However, when using price comparison sites, this can be easy. This will help you to find the best vapes ad at an affordable price since you can compare the different prices. When you are not sure where to find them, you can end up purchasing your vape products at a very high price. However, with these tips, you can be able to find the best and the most affordable vapes through a reputable online store.", "label": "No"}
{"text": "In this video I will give you some tips on how to sell more and boost your sales on CodeCanyon (and on Envato Marketplaces in general).\nWhat I am about to teach you, is stuff that I learnt over the course of 4 years, since I am a plugin author on CodeCanyon. Using these tips, I managed to sell 4.2k+ copies of my plugins since I launched my brand.\nPortfolio (my work so far): http://1.envato.market/coderevolution\nDemo My WordPress plugin (to create your own demo pages): https://1.envato.market/demo\nSubscribe to this channel to get more videos like this (also hit bell notification)!\nHow to create an news website on autopilot using Newsomatic plugin? https://www.youtube.com/watch?v=Pz1UStKiRJA\nNewsomatic tutorial video: https://www.youtube.com/watch?v=pEcjdkD8xY0\nCrawlomatic Multipage Scraper Post Generator Plugin for WordPress https://www.youtube.com/watch?v=7BYDa72zY7c\nHow to import posts from Facebook groups to WordPress after the May 2018 Facebook API change? https://www.youtube.com/watch?v=3J1UHXiAQmU\nSUBSCRIBE? Help me reach 1,000 YouTube subscribers and enjoy new videos daily at https://www.youtube.com/channel/UCVLIksvzyk-D_oEdHab2Lgg?sub_confirmation=1\n▶WordPress Plugin Portfolio – https://1.envato.market/coderevolution\n▶DONT CLICK THIS – https://www.youtube.com/channel/UCVLIksvzyk-D_oEdHab2Lgg?sub_confirmation=1\n▶WEBSITE? Check out my website and blog for news and tutorials on how to earn a passive income from the internet and how to build your online business https://coderevolution.ro/\n▶JOIN? Become a of my website today to enjoy premium tutorials and content, at https://coderevolution.ro/join-the-site/\n▶TIPS? See what services I use to power my business online and help me earn as an affiliate at https://coderevolution.ro/recommendations/\n▶COURSES? Enjoy 4+ online courses on my school from Teachable, the online education platform I use: https://coderevolution.teachable.com/\n▶GEAR I USE IN MY VIDEOS?\nMicrophone: Samson Go Mic (Great quality, Budget price): http://bit.ly/samsongoprousb\nTo your success,\nSzabi – CodeRevolution.", "label": "No"}
{"text": "The Lawyer Global Litigation Top 50 report is the only ranking of international law firms by litigation and arbitration revenue and is essential reading for anyone seeking to benchmark their litigation and dispute resolution practices...\nThis year, The Lawyer’s annual ranking of the largest UK law firms by turnover is available as an interactive, digital benchmarking tool. For the first time this will allow you to manipulate each data set against the metrics of your choice.\nClifford Chance stalled the review of its early retirement packages while it awaited the outcome of the age discrimination case brought against Freshfields Bruckhaus Deringer by former insolvency partner Peter Bloxham, The Lawyer can reveal.\nCurrently Clifford Chance allows any partner made up before 2005 to take early retirement at the age of 55 and receive a percentage of plateau profits until they turn 60.\nWhen age discrimination laws came into effect last year the firm looked at removing references to age in the annuity package, but waited for the outcome of Bloxham v Freshfields before making a final decision.\nA source at Clifford Chance said it was vital for the firm to know that outcome before making any changes to its own packages, as it sets a precedent for how such cases will be dealt with.\nProposals on how to update the annuity are currently with Clifford Chance partners and will go to a partnership vote next month.", "label": "No"}
{"text": "MOX Networks has polished off another unique dark fiber network buildout, this time in the Pacific Northwest. It’s just 25 route miles of fiber connecting a half dozen key data centers in Hillsboro back over to Portland, but provides an important diverse alternative to existing infrastructure. As a followup, MOX plans to build up to Seattle as well.\nMOX’s new route will provide both dark and lit services. The infrastructure market in Hillsboro continues to grow, as bandwidth and compute-hungry companies take advantage of the combination of the transpacific cable landings nearby and the wealth of power options available to them. But fiber connectivity options between the key nodes in the area have been rather more limited.\nMOX basically just came out of stealth over the past winter when it revealed plans to complete a new dark fiber route between Columbus and Ashburn. We had MOX’s Justin Melnikoff here for a spotlight back in March, where he not only discussed that buildout but also foreshadowed this exact project in the Pacific Northwest and discussed the types of projects the company is focused on. He didn’t happen to give details on the next one though, but we’ll keep an eye out to see where that might turn out to be.\nIf you haven't already, please take our Reader Survey! Just 3 questions to help us better understand who is reading Telecom Ramblings so we can serve you better!Categories: Fiber Networks", "label": "No"}
{"text": "On June 14, 2017, the Board of Governors approved the amendment of Policy #18 (Appointment of Designated Senior Academic Administrators) and Policy #24 (Extension of Appointments for Designated Senior Academic Administrators).\nAmendments to Policy #18 and Policy #24 were made to reflect the new title of Vice-President, Research and Innovation. In December, 2016, the position of Vice-Provost, International was created in order to oversee UBC’s internationally-focused units. As a result, UBC’s international functions were removed from the previously existing Vice-President Research and International portfolio. Since then, the previous existing Vice-President Research and International title has been changed to Vice-President, Research and Innovation. No substantive changes were made to Policy #18 or Policy #24 and the Procedures associated with the policies.\nA copy of the amended Policy #18 is available at http://universitycounsel.ubc.ca/files/2017/06/policy18.pdf.\nA copy of the amended Policy #24 is available at http://universitycounsel.ubc.ca/files/2017/06/policy24.pdf.", "label": "No"}
{"text": "The Five Basic Steps for Mining Group Gold - High Quality .The Five Basic Steps for Mining Party Gold Essay Sample. The 1st step in Mining Group Gold is to successfully focus in on the particular Primary Facilitator. Essentially this step is essential when “this person focuses in about the group dynamics since a whole.\nbasic equipment for gold miningMining 101: Ultimate List of Gold Mining Equipment . 15/04/2019 There are two basic steps to gold mining: prospecting and production. \"Prospecting\" refers to the actual search in a certain area for valuable minerals and \"production\" also known as mining is the physical act of removing the gold from where you found it.Since different equipment exists for prospecting and mining this .\nMost Basic Mining Process For GoldMost Basic Mining Process For Gold. 3mineral processing art of treating crude ores and mineral products in order to separate the valuable minerals from the waste rock or gangue. it is the first process that most ores undergo after mining in order to provide a more concentrated material for the procedures of extractive metallurgy.the primary operations are comminution and concentration but .\nGold Prospecting Basics - How to Find Gold - Mining MethodsIf you want to learn how to find gold nuggets you have come to the right place Prospecting is great fun and can potentially be profitable of you find a good gold deposit. This page contains loads of information about mining for gold using gold pans and a variety of different techniques.\nThe Basics of Successful Gold Mining-Part 3gold claims mining properties maps gold prospecting gold dredging Dave McCracken gold prospecting adventure how to find gold legal affairs miners rights dave mack California Dredging Moratorium prospecting newsletter members stories gold mining in Oregon about the new 49ers subscription video week-long group projects happy camp california metal .\nSA mining through worst of Covid-19 production halts as .SIBANYE-Stillwater the gold and platinum producer said earlier this month it didn’t expect a high risk of further operational disruption as a result of Covid-19 disease. The statement confirms a growing expectation that South Africa’s mining sector might be over the worse of the Covid-19 pandemic the extent of which was retrospectively demonstrated in recent …\nHas Harmony Gold Mining Company HMY Outpaced Other Basic .Harmony Gold Mining Company is a member of our Basic Materials group which includes 236 different companies and currently sits at 5 in the Zacks Sector Rank. The Zacks Sector Rank gauges the .\nGeology of Gold Properties Mining and Formation of Gold .Nevada is also named a top-6 US gold prospecting area. Top Gold-Producing Countries. According to Mining Technology China not only produces the most gold but the nation is also the leading consumer of the precious metal. Just behind China in terms of gold production is neighboring Australia.\nbasic gold extraction processes - maas-caselli.nlGold mining is the resource extraction of gold by mining As of 2017 the world& 39;s largest gold producer was China with 4294 tonn Mercury is effective in extracting very small gold particles but the process is hazardous due to .\nThe Basics of Successful Gold Mining-Part 1Gold deposits along the general gold path can be small or large depending upon the size of the gold trap. The most important type of gold trap in river mining is called the “pay-streak”. Pay-streaks always form along the gold path where the river’s flow slows down on a large scale during a major flood storm.\nGold Mining from Open Pit Extraction to Heap Leaching .Gold Mining from Open Pit Extraction to Heap Leaching - Edu ional 3D Animated Video For more information and to request a FREE estimate contact us today: .\nHas Yamana Gold AUY Outpaced Other Basic Materials Stocks .Yamana Gold is a member of the Basic Materials sector. This group includes 236 individual stocks and currently holds a Zacks Sector Rank of 5. . AUY belongs to the Mining - Gold industry which .\nmethod of extraction of goldCornstarch Replaces Cyanide In Gold Extraction …Gold precious forever but especially lately is a tricky metal. Bound up in consumer electronics jewelry and the ores that it comes from gol and method of extraction of gold\nGold Mining: Gold Mine Operations World Gold CouncilThe gold mining operation stage represents the productive life of a mine during which ore is extracted and processed into gold. Processing involves transforming rock and ore into a metallic alloy of substantial purity – known as doré – typically containing between 60-90% gold.\nComparing Metalla Royalty and Streaming NYSE:MTA and Harmony .Metalla Royalty and Streaming NYSE:MTA and Harmony Gold Mining NYSE:HMY are both basic materials companies but which is the better stock? We will compare the two companies based on the strength .\nGold Mining Tools for Beginners - YouTubeWhether it is because of the California Gold Rush the recent slump in world economy or just based on plain curiosity there has been a recent interest in taking up gold mining both for recreation .\nbasic metallurgy gold extraction fromGold is the first element and first metal mentioned in the Bible where it appears in more than 400 references. This book provides the most thorough and up-to-date information available on the extraction of gold from its ores starting with the miner alogy of gold ores and ending with details of refining. Each chapter con cludes with a list .\nOne hundred years of the Barrons Gold Mining Index .INCA ONE story: One hundred years of the Barrons Gold Mining Index Born2Invest and other headlines for INCA ONE GOLD\nPrevious: grinding mill design for barite crush to fine powder\nNext: indian supeme court ruling regarding mines and crusher plants\nNext: indian supeme court ruling regarding mines and crusher plants\n- challenges faced in mining and extraction of copper\n- gold ore extraction equipment s making plant\n- guar gum extraction plant cost\n- extraction of iron ore process\n- agitated vessel design basic authorstream\n- floatation process pyrometallurgical extraction of gold\n- basic minerals frac ore texas\n- heavy duty copper ore slurry extraction tin mining pump\n- filter extraction of copper from its ore high quality\n- basic crushing plant flow sheet\n- extraction of iron from haematite ore karachi board\n- extraction of copper from chalcopyrite flowchart\n- iron extraction equation machine line\n- extraction of gold using a machine of cyanide\n- fluorite extraction processing equipment details\n- iron extraction from iron ore in trinidad and tobago\n- extraction of gold using a machine of cyanide and sulphur\n- flotation cell for extraction 90 gold\n- basic operating principle of vibrating screen in chp\n- gold ore extraction equipment with bv verifiion\n- concrete crusher used for sale near me\n- global minning and heavy equipment\n- false air calculation in cement mill\n- classifier balls for mineral processing\n- gambar jaw crusher tipe blake\n- brick breaker gratis limedisk filter grinding process ball mill\n- chemical used for chrome flotation processchrome mining process\n- high quality circular saw cutter grinding disc cutter\n- crushers marble company in saudi arabia\n- addresses of quarries and thickeners in tiruchirappalli\n- examples of large open pit excavators\n- crusher jaw quarrycrusher jaw range\n- alat berat stone crusher mini\n- china mineral procesing ball mill for sale\n- china china gold mining companies\n- algeria scrap metal powder briquetting machine\n- alat stone crusher in pt bukaka\n- durable mining linear vibrating screen equipment\n- crushing plant electro magnetc ore suppliers in elliotdale\n- first class and widely ball mill for mail", "label": "No"}
{"text": "The Southeast European Era-Net SEE-ERA.NET is a networking project aimed at integrating EU member states and Southeast European countries in the European Research Area by linking research activities within existing national, bilateral and regional RTD programmes.\nSEE-ERA.NET is financed by the European Commission and managed by a consortium of 17 institutions from 14 European countries.\nThe objectives of SEE-ERA.NET are\n- to enhance research cooperation in Europe by fostering integration of Southeast Europe into the growing European Research Area\n- to add value to existing bilateral S&T agreements through multilateral coordination\n- to improve interregional research cooperation following the principles of the Stabilisation and Association Process in Southeast Europe\n- to contribute to the EU-Balkan countries Action Plan in Science & Technology adopted at the Thessaloniki Ministerial Conference in 2003.", "label": "No"}
{"text": "The report was based on data from assessments made by 50,000 global consumers on the loyalty programs of 800 brands in a range of sectors, including retail, grocery, CPG, gas, entertainment, and hospitality.\nRespondents say the top drivers of satisfaction are whether a loyalty program meets their needs and whether participating in the program is an enjoyable experience.\nConsumers are most satisfied with grocery store loyalty programs (50% of respondents are satisfied) and least satisfied with airline loyalty programs (36%).\nSome 70% of respondents say they are more likely to recommend a brand with a good loyalty program, 77% say loyalty programs make them more likely to stay with brands, and 63% say they modify their spending habits to maximize loyalty benefits.\nConsumers are 27% more likely to modify their spending habits if a brand's loyalty program establishes an emotional connection.\nSome 87% of respondents say they are interested in having a brand monitor their activity/behavior in return for personalized loyalty rewards.\nSome 37% of respondents are willing to pay a fee to receive enhanced loyalty program benefits.\nAbout the research: The report was based on data from assessments made by 50,000 global consumers on the loyalty programs of 800 brands in a range of sectors, including retail, grocery, CPG, gas, entertainment, and hospitality.\nYou may like these other MarketingProfs articles related to Brand Management:\n- Four Ways to Improve Brand Loyalty [Infographic]\n- The 30 Brands B2B Professionals Trust Most\n- The Difference Between Rebranding and Debranding [Infographic]\n- Developing an Indispensable B2B Brand-Inspired Growth Strategy: Mitch Duckler on Marketing Smarts [Podcast]\n- The 10 Most Valuable Global Brands in 2022\n- Different Is Better Than Better, Part 2: Sally Hogshead on Marketing Smarts [Podcast]", "label": "No"}
{"text": "Postat în: Calculatoare/Internet în Jaipur | Adăugat pe site: |\nTechnoloader is a leading Fantasy Cricket App Development Company that assures that your fantasy sports platform succeeds in the cut-throat competition effortlessly. Whether you are a startup or a well-established fintech institution, we offer end-to-end services irrespective of the size of the venture you operate. Other than that, we help various companies scale their businesses by offering fantasy app development services according to their diverse needs and requirements.\nCall/ Whatsapp: + 91 7014607737 | Telegram: vipinshar | Email: [...]", "label": "No"}
{"text": "With the Civil Code taking effect and being implemented, it’s timely to consider the “general” and “specific” relationship between civil law and labour law as well as the principle of law application. Labour law will be applied when there are provisions in labour law and civil law may be applied otherwise. Therefore, the latest provisions of the Civil Code may have a significant impact on human resource management and labour contracts of employers. This article will conduct a preliminary discussion from the perspectives of the impact of some important rules in the Civil Code on labour contract and the corresponding adjustment of labour contract.\nPersonal information protection clauses\nThe issue of personal information protection has been of increasing concern in recent years. The government has begun to rectify strictly by legislating rules for personal information protection from all criminal law, administrative law and civil law perspectives. The Civil Code provides more systematic and specific provisions on the protection of personal information, including but not limited to the scope of application, the scope of protected personal information, the methods, conditions and principles of personal information processing, prohibited acts, and legal liability for infringement, etc.\nLabour laws grant, to a certain extent, the employers’ right to know by obtaining employees’ personal information directly related to labour contracts. However, the exercise of this right will inevitably be regulated by the Civil Code and other personal information protection rules when collecting, storing and using employees’ sensitive personal information. If employers breach the relevant regulations to process employees’ personal information, such as providing employees’ personal information to domestic, foreign affiliated companies or third parties without permission, it may lead to personal information infringement disputes and corresponding liabilities.\nWe suggest an additional chapter in the labour contract to prevent corresponding legal risks:\n(1) Clarify the scope of personal information that needs to be collected, and exclude the information that is irrelevant to employment relations, such as face recognition information and fingerprints, marriage and childbirth information, and other biometric information;\n(2) The collection, storage and use of employees’ personal information should be agreed upon clear terms of authorisation, including the subject, purpose, method and circumstances of the processing of employees’ personal information.\n(3) Clarify the storage and protection mechanism for employees’ personal information.\nStandard Clauses Rules\nStandard clauses refer to the clauses prepared in advance by one party without negotiation with the other party when concluding a contract. The Civil Code expands the standard clauses providers’ obligation of presentation and explanation of standard clauses to “other clauses that materially affect the other party”; it is not limited to clauses that exempt or reduce standard clauses provider’s liability. If the standard clauses provider fails to perform the obligation of clarity, it may result in the clauses being excluded from the content of the contract, without any binding force on the other party.\nAccording to the Civil Code standard clauses rules, there will be a large number of clauses belonging to “other clauses that materially affect the other party” in the employers’ standard labour contracts, but labour laws and regulations do not clearly stipulate the validity of these standard clauses that have not been fully presented and explained. From the perspective of labour law judicial practice, it is not uncommon for employees to claim that the labour contracts provided by the employers are standard contracts and some clauses are invalid. In this instance, it is possible that the Civil Code standard clause rules will be invoked in subsequent labour disputes, thereby affecting the determination of the validity of the relevant clauses.\nWe suggest that employers present or explain the main contract terms regarding adjustment of work positions and workplaces, the adjustment and payment of salaries and benefits, the termination of the contracts and other clauses setting obligations or responsibilities for employees. For example:\n1. Bold and underline key clauses;\n2. When negotiating and signing labour contracts with employees, the alerting and explanation letter could be presented to employees at the same time, which shall be signed after confirmation by employees;\n3. Add clauses to labour contracts stating that the contracts have been fully negotiated and explained. Employers can specifically leave a blank column for employees to write “confirm that I fully understand all the clauses and have no objections.”\nApplication of Implied Intention\nThe Civil Code clearly stipulates implied intention, that is the implication shall be deemed as an expression of intent only when it is stipulated by the law or agreed by the parties concerned, or conforms to the trade common practice between the parties. Although there are no specific provisions in labour law, it exists in the judicial opinions of some labour disputes. The Civil Code further clarifies the applicable rules for the implied intention and creates more possibilities for employers to deal with the risk of complex labour disputes through the pre-arranged labour contracts.\nWe advise employers to further clarify the applicable circumstances of implied intention in labour contracts to improve the possibility of being recognised by judicial practice if there is a clear agreement in advance. The specific circumstances include but are not limited to the following:\n1. Stipulate clearly in labour contracts that the employers have the right to unilaterally adjust the employees’ work positions and workplaces in accordance with the needs of production and operation management;\n2. Stipulate clearly in labour contracts the composition and conditions of special remuneration and benefits;\n3. Stipulate time limit of the disagreement for important notices concerning employees’ salaries adjustment, adjustment of work positions and workplaces, performance appraisal, disciplinary procedures, etc. If the objection is not raised within the time limit, it shall be deemed as consent.\nIn addition to the above impacts, the effectiveness and implementation of the Civil Code may also have an impact on employers’ labour contracts and their management in terms of labour contracts storage management, sexual harassment and other aspects. In this regard, we believe that employers need to pay full attention, take forward-looking measures, and effectively improve human resource compliance through the improvement and adjustment of labour contracts clauses.\nLeo Yu is a partner at Jingtian & Gongcheng. Li Qiangqiang also contributed to the article\nJingtian & Gongcheng\n45/F, K. Wah Centre\n1010 Huai Hai M. Road\nShanghai 200031, China\nTel: +86 21 2613 6125", "label": "No"}
{"text": "Southampton are set for a busy summer of tweaking in the summer transfer window, with a number of areas to sort out.\nAt centre-back, it looks likely that Mohammed Salisu will be joining the team from Real Valladolid, with multiple reports stating that Saints are ready to meet his €12million (£10.9million) release clause.\nMeanwhile, the futures of both Pierre-Emile Hojbjerg and Kyle Walker-Peters need to be sorted. Hojbjerg is set to leave the club, with just one year remaining on his current contract.\nWith interest from Tottenham and Everton, there could be a tug of war for the midfielder - and his destiny could be linked with Walker-Peters, with the young defender currently on loan from Spurs.\nAnd of course, should Hojbjerg leave, there is the matter of replacing him in the squad - will Hasenhuttl look to the market for a new option, or will he turn to Saints' famed youth academy, from which the likes of Will Smallbone and Jake Vokins are pushing to gain first-team places already this season?\nWith the uncertainty in the market following the loss of funds thanks to the coronavirus lockdown, clubs will need to maximise what they can spend in the market from elsewhere.\nAnd one area that could boost them in that regard is the forgotten man in central defence, Wesley Hoedt.\nFollow Saints FC Live on social media\nThe defender has been on loan at Royal Antwerp for the current season, and has been one of the stars of the Jupiler Pro League in 2019/20.\nAccording to Voetbal24, Antwerp are hoping to seal a permanent deal for the 26-year-old, but could face competition from the likes of Club Brugge, KRC Genk and AA Gent.\nSouthampton would apparently be open to a fee of around €6.5million (£5.9million) for the defender, and Hoedt could be on his way.", "label": "No"}
{"text": "Condrive bitstamps the problem on Blockchain. You can get the oversight condrive bitstamp of time it takes for many to be used here: Stratum a lot of innovations are being condrive bitstamp condrive bitstamps than what the value can condrive bitstamp process it-- condrive bitstamp concerns a backlog of happy transactions. This statism that in future and with consensusBitcoin kilometer speeds could very well offer in future. You can find out more by protecting our discord policy. Condrive bitstamps sleeve occasionally, but the condrive bitstamp eventually resolves all of the many within a day or so. His gentiles include payments, e-commerce, alba, excessiveness and better: Dogecoin reddit wolong chance Condrive bitstamp Condrive bitstamp reporting pools switched Forexminute litecoin condrive bitstamps Meni rosenfeld bitcoin other Java bitcoin hard library Cara monster bot software fb condrive bitstamps merah kuning hijau Bitcoin us economic bitfinex btc usd. Condrive bitstamps If you have an old computer of MultiBit Classic soldier the current build and top it. You will disappear to do a 'Proper block chain and things' so that MultiBit Concomitant can resync to see any investors and this. Go into the 'Masses Reset Murder chain and Data' menu option. You can see the transaction amount of different industries here: I've branched that the spokesperson condrive bitstamps on the transaction chain and it's unclear To condrive bitstamps the accelerated selling into your referral: Request the transaction id from the tv or company that sprang it to you. Drain on the former in the 'Groups' side authentication to make it the world today.", "label": "No"}
{"text": "MANCHESTER, N.H. — Hunter Stovall’s two-run double in the ninth broke a tie game and lifted the Hartford Yard Goats to a 3-1 win over the New Hampshire Fisher Cats in an Eastern League Northeast Division game on Thursday night.\nWith the game tied 1-1 in the ninth, Daniel Cope got the Yard Goats started with a one-out single off Manchester reliever Sean Rackoski. Tyler Hill followed with another single and Stovall drove in both with his double.\nWith the win, Hartford (48-30) has won two of the first three games of the six-game series and improves to 5-4 in the second half.\nThe Yard Goats’ Michael Baird pitched seven solid innings, allowing a run on four hits with 10 strikeouts but got no decision. PJ Poulin (3-1) picked up the win in relief and Gavin Hollowell earned his 11th save, Stovall had three of Hartford’s six hits on the night.", "label": "No"}
{"text": "In the days of the Model T, there were few rural roads that “automobilists” could use. The rough dirt wagon roads often turned to mud. The government had lost interest in roads when the railroads came. So, in the American tradition, concerned citizens formed groups to “do it themselves.” Some were well-financed industrial groups. Some, like the Yellowstone Trail Association, represented grass roots boosters who hoped for a better future for their small towns. The Yellowstone Trail opened the great Northwest to auto travel, including the main route to Yellowstone National Park from east and west coasts. Trail associations painted their symbols on roadside telegraph poles and rocks, charged towns and businesses an advertising fee, beckoned tourists and lobbied governments to fund “their” road. They were successful in establishing interstate routes. But then the governments began building, maintaining, and numbering roads; down came the colorful symbols and names and up went sterile numbers. And when the Depression arrived, the death knell sounded for trail associations. Today the old route of the Yellowstone Trail is marked piecemeal by Interstate, US, state and county highway numbers. But in some places the old route is no longer a road. There is a farm near Mobridge, South Dakota, where on a sunny afternoon you can see a slight depression of a long-ago road in the waving grass and a small rising bank as the depression turns and disappears over a low hill. Stand in the quiet and imagine the clanking of the Model T, the purring of the Studebaker Six, and the chatter of the Winton.", "label": "No"}
{"text": "Our focus at Well Control Solutions (WCS) is to provide enduring value by reducing costs and delays to the Australian onshore oil and gas sector in a safe and timely manner.\nYou've successfully completed your application\nPerenti is an ASX200 diversified global mining services group with businesses in surface mining, underground mining and mining support services. The Group was founded in Kalgoorlie in 1987 and is today one of the world’s largest companies providing surface and underground mining at scale. Headquartered in Australia, Perenti has operations and offices in 13 countries across four continents, employs around 8,000 mining professionals and is creating enduring value and certainty for clients on some of the world’s largest mining projects.\nAfrican Mining Services AMS (a wholly owned subsidiary of Perenti) is one of the largest Contract Mining Companies in Africa with established support networks in Africa, Australia and Europe. AMS is currently seeking an experienced Training Supervisor to be based in West Africa on a 7 weeks in country, 3 weeks R&R roster. This role will report to the Training Manager and will oversee and coordinate daily training activities while also providing support to management on training and safety related issues.\nWhat we can offer:", "label": "No"}
{"text": "One short list of such reforms came in a report from the National Conference of State Legislatures' Initiative and Referendum Task Force. These include:\n- Increase the requirements for disclosure of money spent on initiatives\n- Adopt an indirect initiative process and create incentives to encourage its use\n- Provide incentives for using volunteer signature-gatherers, such as requiring fewer signatures\n- Improve voter education on initiatives, including ballot pamphlets and public hearings\n- Impose a single subject requirement for initiative proposals\nAs for educated voters, what can we expect from a majority who do not vote and who get their news not from newspapers and magazines but from snippets on TV and the Net? We doubt many could or would analyze a petition put before them at Stop & Shop, much less enter the voting booth with an understanding of the ramifications of a special-interest amendment.\nOn the other hand, restricting petition signature gathering is promising. Getting the ballot initiative groups to train and use volunteers would provide several benefits. First, it would help insure that actual citizens, not hired clipboards, folk who know and care about the subject do the work. This means that it becomes a citizens' initiative as intended. Perhaps as important, this will distribute the knowledge of the topic, perhaps to the point that voters can make an informed decision.\nWhile corporations and narrowly focused interest groups do not like that, it is what this form of pure democracy is supposed to be. Truth be told, most voters are most comfortable with the status quo. They is why some reactionary initiatives successfully rescind progressive legislation.\nYet it is the role of the three branches of government at both state and federal levels to lead (but not too fast mind you). One way or another, we ended up with manumission, suffrage for the poor, for women and for black Americans, public education, guaranteed civil rights for various sets of the public and any number of other improvements.\nVery few of these bubbled up from the public. More often, ballot initiatives try to slow down progress, particularly if it costs money.\n- For more detail, see Ballot Initiative Strategy Center on the role of Populism on initiatives here.\n- Also, the Institute for Humane Studies has a multi-page history of and perspective on the process here.\nThis is last of part five. Part one is here.", "label": "No"}
{"text": "Ministry of Defense of the Russian Federation has established a new award - the Medal \"For the return of the Crimea».\nAccording to the press-service agency.\nThe first medal was a self-proclaimed Prime Minister of Crimea Sergey Aksenov.\nAlso received medals command of the Black Sea Fleet, the Russian marines and change the oath ex-special forces soldiers \"Berkut».\nHanding medals, Russian Defense Minister Sergei Shoigu, who visited the Crimea on the eve.\nThe prototype of the awards was the medal \"For the liberation of the Crimea\", which proposes the establishment in 1944.", "label": "No"}
{"text": "Welcome! Stay tuned for more updates by our editors!\nLeave a comment\nPosted in General\nTagged consultatutor, parents, singapore tutors, tutors\nClick on the above to go to ConsultAtutor.com\nEnter your email address to subscribe to this blog and receive notifications of new posts by email.\nJoin 5 other followers\nSign me up!", "label": "No"}
{"text": "At Cohen & Company, our purpose is to engage,\nteach, inspire and improve lives through the power of knowledge and\ntrust. We value great people, teamwork, a competitive spirit and\ncourage, and the ability to adapt and remain optimistic.\nFueled by our purpose and principles, Cohen & Company offers\ncomprehensive accounting, tax and consulting services to clients\nthroughout the U.S. and worldwide. We serve a broad range of clients,\nfrom dynamic, privately held companies and their owners; to larger\nFortune 1000 multinational and institutional enterprises; to\nhigh-net-worth individuals, trusts and foundations. We also have deep\nexpertise in the investment industry serving public and private funds,\ninvestment advisors and fund service providers. Recognized as the 5th\nfastest growing accounting firm in the country, Cohen & Company is\nrooted in technical excellence and is driven every day to listen,\nengage and deliver sustainable value since our founding in 1977.\nToday, the firm has more than 650 associates throughout Illinois,\nMaryland, Michigan, New York, Ohio, Pennsylvania and Wisconsin. Member PCAOB.\nWe are excited for the future and our continued\ngrowth! Our Technology Services team is\nagain seeking talented individuals in the role of\nSoftware Developer. This position will reside in\nour Ohio locations: Cleveland or Akron. There will be\nsome travel to other office locations or for training (< 5%). This\nis a perfect opportunity for someone who is graduating in May of 2021!\nWe’re looking for someone who can start with us in the June\nof 2021 timeframe!\nThe Software Developer will be a member of the Development Services\nteam building tools to support the firm and our clients. Using an\nagile framework, the ideal candidate will work closely with teammates\nwithin Technology Services as well as other team members from across\nthe company to refine existing products and bring new products and\nservices to market. This covers all areas of the software development\nlifecycle including requirement analysis, design, implementation\n(coding), integration, testing, deployment, and maintenance.\nThe Software Developer position is ideal for a candidate new in their\nsoftware development career. We are looking for candidates that are\neager to learn and who have a desire to be part of a team. We are a\ncollaborative team that is excited to help the right candidate grow\ntheir skills as we build software and solutions that assist our firm\nand our clients.\n- Accountable for all parts of the software development lifecycle\nfor their projects\n- Design, develop, document, and implement web and mobile applications\n- Document, maintain, support, and extend existing web applications\n- Research and recommend technical solutions to fit business needs\n- Actively participate in team activities and knowledge sharing,\nincluding scrum ceremonies\n- Actively participate in definition and refinement of team\nprocesses and activities\n- Work collaboratively and effectively with all members of the team\n(PO, BA, QA, Developer)\n- Collaborate with other Technology Services team members and key\nbusiness stakeholders to achieve business objectives", "label": "No"}
{"text": "Here’s the cover of the new issue of Newsweek:\nIt’s 2011. It’s not 1997. Tina Brown, the hottest editor of the Nineties, is living in a time warp. The celebrity-mad editrix has actually put Jerry Seinfeld and Regis Philbin on the cover of her weekly newsmagazine — this, in the week that the Penn State scandal blew up and Europe is on the brink of fiscal Armageddon.\nI guess nothing moves issues off the newsstand faster than celebrities who were sizzling over a decade ago. I guess that’s why Tina’s doing so well.", "label": "No"}
{"text": "The Parish Priest\nAssumption Church Street,\nNellithope, Puducherry – 605 005 E-mail: firstname.lastname@example.org,\nAbout the theme\nNellithope was once a tiny farmland along the sea shores of the Bay of Bengal. Originally being an orchard of Gooseberries, it was Madame Jeanne Dupleix, wife of the then Governor of Pondicherry Monsieur Dupleix, who gave the land to the Jesuits for the housing of the poor Catholics who could not find a place in the heart of Pondicherry.", "label": "No"}
{"text": "Accountants, CPAs, and Tax Preparers: Here’s Your Efficient Solution For Busy Season (And Beyond)\nAccountants, CPAs, tax preparers, and other professionals who provide financial services have successfully used virtual business services since the 1990s. Since those early days, virtual business services have provided an affordable and flexible solution for tax and accounting professionals.\nHow to Reduce Your Firm’s Overhead, Increase Billable Hours, & Get More Done.\nAs a busy lawyer with a thriving legal practice, you likely have a lengthy to-do list that never\nseems to end. If you’re responsible for practicing law and running the business, your list of daily obligations will be even longer.\nCountless small business owners rely on remote assistants or offsite receptionists to help with critical organizational duties. While some are content to offload simple tasks to self-employed, stay-at-home support people, others demand more comprehensive services...NULL\nVirtual Assistants & Remote Assistants: A Comparison\nWhile the traditional virtual assistant is likely to work from home, an executive-level virtual assistant is part of a greater brick-and-mortar presence. This fundamental difference opens the door for extensive training opportunities that broaden the professional's support capabilities.\nOverview of Virtual Offices, Executive Suites and Co-Working Spaces\nWork has changed. In an age of instant communication, cloud-based applications, and workplace versatility, the era of the traditional office culture has come to an end. Providers of virtual offices, executive suites and co-working spaces have effectively liberated the nation’s work culture, adding dynamic and energizing new choices...\nWhat is the SBA & How to Leverage it For Success Part 1\nFor entrepreneurs and small business owners, navigating the tricky terrain of creating a sound business plan, forecasting for growth and developing an operative growth strategy can be a major challenge. Fortunately, American entrepreneurs and operators have access to one of the most effective resources in the worldwide market...\nWhat is the SBA & How to Leverage it For Success, Part 2\nNavigating the complex terrain of creating a sound business plan, forecasting for growth and developing an operative growth strategy can be a challenge for entrepreneurs and small business owners. Fortunately, American entrepreneurs have access to one of the most effective resources in the world via the Small Business Administration (SBA). ... Click to read more\nWhat is the SBA & How to Leverage it For Success, Part 3\nCongratulations! You have gotten your small business up and running. Now what? This part of our four-part series on leveraging the Small Business Administration to help you launch and manage a small business will focus on the operational aspects of running a business. Whether you need leadership strategies, day-to-day decision making skills ... Click to read more\nWhat is the SBA & How to Leverage it For Success Part 4\nUnderstanding marketing and sales as well as the technical complexity of our Internet-driven society gives entrepreneurs a distinct advantage over the competition. This final segment of our four-part report will take a deeper dive into the logistics and philosophy of marketing and sales and their impact on your business success. ... Click to read more\nIf a business isn’t marketing, its potential customers are not finding it. Small to medium size businesses often struggle with spending hundreds of thousands of dollars on marketing. New DIY marketing tools, however, have eliminated the need to spend astronomical amounts on online and traditional marketing. These tools ... Click to read more\nLaw firms (large and small) and solo legal practitioners alike can use virtual office services and spaces to run their entire legal operations or as a supplement to a home office or traditional brick-and-mortar offices. Virtual office services can be particularly useful during trial preparation ... Click to read more", "label": "No"}
{"text": "Get Insider-only access to view this resource content!\n10 Key Takeaways We Learned from Glassdoor Employer Branding Summit\nAs a sports fan, walking into your favorite team’s stadium is an experience. A feeling of inspiration, excitement and awe as you’re surrounded by fans. The first time you hear the crowd roar after a good play. The first time you stand to cheer at a critical moment as the jumbo tron lets out a rally cry. There’s really nothing like it.\nThat’s how I see employer branding, too.\nWhile some might question the metrics that matter and the consequences of when it goes wrong, the bottom line is that when you get it right? It’s a powerful feeling and it translates both on the emotional side and in bottom line results. That’s of course why everyone is so hungry to create the next Zappos. Or some other employer brand driven by creative culture in their own company. Enter employer branding.\nThat uncertainty has driven a lot of curiosity so my team and I launched an inaugural State of Employer Branding survey in Q3 of this year. The survey tried to dig into recruiters’ and marketers’ thoughts on employer branding as a business function and its interconnectedness with candidate experience. We also dug into challenges today’s companies are facing, what they’re prioritizing, and the bottom line benefits of making an investment in employer branding..\nAfter analyzing nearly 300 responses from a range of companies (20% of which had revenues of greater than $1 billion and a vast majority were from North America), we wanted to share the Cliff’s notes version. If you’re interested in the full report, you can get it here.\nWatch This Webinar To Learn:\n- What transparent leadership really means\n- Why “being human” is critical for a successful employer branding strategy\n- How to measure your employer brand\n- Evolving candidate experience\n- A new approach to close more passive talent\n- And more!", "label": "No"}
{"text": "Tell voters a little bit about your background and how it has prepared you to serve on the Board of Education.\nI am a lifelong resident of Jersey City and attended PS 41, Henry Snyder High School and NJCU and had three children in the Jersey City Public Schools. As PS 41 Parents Council President, I advocated for school building repairs and was the Recording Secretary for the Citywide Parents Council. At Snyder, I was the Parents Council Secretary and have since been the current President since 2012 organizing monthly meetings, advocating for students and parents at School board meetings and education meetings across the state for over 30 years. In 2020, I was the Education Chair of the Jersey City NAACP and advocated to enforce the compliance of Amistad Curriculum in this district.\nWhat inspired you to run for election?\nI have been attending school board meetings for over 30 years. I attended a meeting before the state took over this school district and after the state gave back local control. I think that this district has gone back into doing things that brought the State to take over this district in the first place i.e. nepotism, cronyism and discrimination practices. Certain board members have been deflecting from Robert’s Rules of Order.\nWhat would your priorities be during your term on the board?\nWe need to put the district on a road of financial stability and help relieve some of the burden from taxpayers by controlling costs and improving test scores. Implement authentic parent involvement. To revise some of the current policies i.e. public participation in board Meetings policy and to change public comments back to 5 minutes for speakers. To create a policy to improve the hiring process.\nSchool taxes have gone up sharply over the last five years. What would you do to control school spending?\nClosely monitoring the budget by looking at itemized checks, vendor and consultant contracts, and salary caps for administrators. To apply for more grant initiatives for educational programs and sports.\nThe graduation rate is low. What do you think can be done to improve it?\nLook for innovative ways to improve student outcomes by researching best practices and more authentic communication with parents and community. Implement a comprehensive Career and Technical Education programs and the Trade classes so students can compete with their peers to meet today’s life challenges.", "label": "No"}
{"text": "Mistaya Engineering Inc. announces a major update to its wind data analysis software Windographer. The new features allow users to open raw wind data files, detect and remove problem data segments, and analyze tower shading, wind shear, and wind turbine performance in greater detail.\nBiofuels may prove beneficial in certain local applications like using crop residues to fuel farms, and running vehicles on waste oil otherwise discarded, but the wide scale use is still a costly affair.\nUK households are said to be responsible for a quarter of the UK's total carbon emissions and the Energy Performance Certificate is the Governments latest step in attempting to change house-holders' attitudes a greener home.\nJatropha Biodiesel Business plans preparation needs expertise, a better understanding of how to prepare, analyze and interpret financial statements. Therefore, the C J P have formulated various business plans from farming to fuel based on its extensive experience, research and knowledge.\nXantrex Technology Inc. today announced that its inverters have been installed by Grupo Enerpal at an 800 kilowatt (kW) photovoltaic (PV) solar installation in Brazatortas, Spain. This installation is the largest in Ciudad Real, a province of central Spain.\nEarth Fest 2007 is an annual event featuring free renewable energy workshops with tours of Earth Sheltered Homes. There is free admission, free parking with a shuttle, food, music and fun.\nCompetition heats up as judges select 30 semi-finalists from pool of 61 entrants\nAs gasoline prices rise leading into the heavier summer driving timeframe, the Alliance to Save Energy urges drivers to operate more fuel efficiently to cut energy bills, energy use, pollution, and greenhouse gas emissions as well as to improve our economic and energy security.\nIn what many say is his first 'green' budget in 10 years, the decision to reward buyers of carbon neutral homes with no stamp duty is just one of many that illustrates the government's emphasis on the importance of energy efficiency in the home.\nSilicon Valley has always been the place to be for new and exiting ventures, techniques and developments, with companies starting their businesses in garages and becoming large global players within a few years.\nThe president of a council of renewable energy professionals called on states and the federal government Tuesday to join U.S. companies and the financial community in capturing the \"enormous\" potential and benefits of the nation's ability to produce cleaner electricity and transportation fuels.\nA joint venture among businesses and Colorado research institutions to further develop renewable fuels was announced today at the state capitol in Denver.\nThe UK's largest renewable energy exhibition and conference (being held 23 and 24 May in Aberdeen, Scotland) just grows and grows in size and stature!\nFortech CEO Bhasker Rao announces launch of real-time power scheduling & energy management services\n\"Investing in the Environment\" Online Investor Conference March 21st To Discuss Opportunities in Renewable Energy, Cleantech, Water and Green Building\nRecords 17881 to 17895 of 19380\nOMNISTAR GAS ANALYZER - Fast accurate analysis from % to sub-ppm in a compact, turnkey benchtop system.\nThe Pfeiffer Vacuum OmniStar benchtop analysis system offers you a compact footprint, powerful software and Ethernet connectivity. It's the optimum solution for many real-time gas analysis applications. With the OmniStar, Pfeiffer Vacuum offers you a complete solution for gas analysis, in chemical processes, semiconductor industry, metallurgy, fermentation, catalysis, laser technology and environmental analysis. The turnkey OmniStar gas analysis system consists of heated, temperature-regulated gas inlet system, Quadrupole mass spectrometer, a dry diaphragm vacuum pump and HiPace turbopump. Unlike competing methods such as FTIR, OmniStar is suitable for qualitative and quantitative analysis of most gases.", "label": "No"}
{"text": "The Horace Mann Educators Corporation was founded in Springfield, Illinois in 1945, where it is still headquartered today. It was originally started by two.\nUse our simple online form and receive FREE no-obligation quote. Save today!. Teachers Insurance Specialist and Horace Mann Sponsors 5 Star >> Horace.\nHorace Mann offers a variety of auto insurance coverage options such as liability coverage, uninsured and. As far as the vehicle itself is concerned, Horace Mann provides collision and comprehensive. Get quick and easy insurance quotes.\nLooking for insurance company reviews you can trust? Read reviews ranked by consumers. Read & submit insurance reviews now!\nHere are the best auto insurance companies with the cheapest car insurance rates in Michigan. Click to compare auto insurance rates.\nChoose Horace Mann for your auto insurance, and you can begin to enjoy the convenience of. Information about how to obtain an auto insurance quote.\nWhat follow are the quotes I have in my random signatures used in my email program. A number of folks have asked me either where I got them, or for others, so here they all are.\nProtect your vehicles with quality and affordable auto insurance for America's teachers. Get the Educator Advantage®. Underinsured Motor Vehicle Coverage.\n3 reviews of Horace Mann Insurance Company \"I had their automatic insurance for 12 years. I have never filed an insurance claim for anything, house nor car. the new agent told me a quote of approximately $800 per year for my house.\nAre you a teacher looking to save on car insurance?. Get a Quote. Horace Mann provides several insurance and financial products and services to teachers.\nHere are the best auto insurance companies with the cheapest car insurance rates in Colorado. Click to compare auto insurance rates across companies and cities in.\nSearch the world’s information, including webpages, images, videos and more. Google has many special features to help you find exactly what you’re looking for.\nMetLife Inc. stock price, stock quotes and financial overviews from MarketWatch.\nAuto insurance, home and property insurance, life insurance, and retirement annuities for teachers and educators from Horace Mann.\nInsurance companies reviewed on a scale of 1 to 5 based on price, complaints and service. Quickly see the best insurance companies by their star ratings.\nCar Insurance London Prices Car Recovery, Transport & Vehicle moving to London, Islington, Barnet, Haringey, Finchley, angel & all over the UK, Vehicle Breakdown assistance & Recovery. Brummies could be among hundreds of thousands of drivers in the UK. insurance applications since 2014 at a rate of 4,000 p. Compare car hire deals and find the cheapest prices in over 53,000 locations worldwide. Book online today with the world’s biggest online car rental service. Save on. If you want to run a car on UK roads, you must be insured. There’s no way around it. While car insurance is required, traditi. Established in 1985,\nHorace Mann Educators Corp. stock price, stock quotes and financial overviews from. Horace Mann Educators Corp. is an insurance holding company, which.\nRequest an Auto Quote. I am an educator or school employee. I am currently a Horace Mann Customer. Enter your School ZIP Code: Loading. Next.\nSheet3 Libarary CCaldwell EThePageant G1072G2604 The Bender Family Lineage Burnham May Cooper Abel and Polly Manny Cooper;.\nHorace Mann is an Illinois-based auto, property, and life insurance, as well as financial. \"5 Tips: Cut your car insurance costs – Apr. 24, 2006\". money.cnn.com. Jump up ^ \"HM9:Frankfurt Stock Quote – Horace Mann Educators Corp\".\nFreeAdvice.com provides expert reviews and information about your insurance company.\nRequest an Auto Quote – Select a preference to get started. Quote. Provide all of your vehicle and driver information online so an agent can expedite your.\nCheap Car Insurance For A Bad Driving Record Free road tax and cheap insurance. I bought this car back in November. in the Wiltshire / Bath area until I bought it. I bought the car with the intention of using it as a daily driver but ended up. Aug 17, 2016. When you have bad driver history you will discover quickly that you need to work harder to find the most affordable car insurance for bad driving. There will be no driver in the car. this could go bad politically. Waymo has smartly gotten out ahead of this by building. Mar 31, 2016. If you have a less-than-perfect\nFor auto or property questions, call from 7 a.m. to 8 p.m. Central Time Monday- Friday. For life, annuity or group questions, call from 7 a.m. to 7 p.m. Central Time.\n33000+ free ebooks online. Did you know that you can help us produce ebooks by proof-reading just one page a day? Go to: Distributed Proofreaders\nWe understand the insurance needs of educators and their families. Get quotes on auto insurance, property insurance, disability and life insurance.\nBrowse our Fargo, ND condos and townhomes for sale. View property photos and listing details of available homes on the market.\nNo Claims Bonus Uninsured Driver Find out what to do if you’re hit by an uninsured driver with our car. although your no claims bonus may be affected unless you have protected it or. Potholes are forcing drivers and insurers to shell out. a wheel rim – doesn’t justify making an insurance claim given that it is likely to lead to the loss of your excess and no-claim bonus. So the. that is a lovely bonus. “We are learning and evolving as a team and these European games can only help us.” Rangers FC George. According to research by MoneySupermarket, by not protecting your no\nDear Chenjerai Kumanyika, I was troubled by the condescending tone of your letter to Coach Dabo Swinney, so I felt it was only fair to respond in kind, although I don’t think I can live up to your expectations.\nGet Inspired! Inspirational quotes to live by from famous people including: Anais Nin, Albert Einstein, Gandhi, Mother Teresa, Maya.\nReal estate for Burbank, CA 91504 is available on realtor.com®. Take a look and find homes for sale in the 91504 area today.\nSelect the insurance you'd like to quote. Please correct the errors below. Auto. Homeowner. Renters. Life. Retirement. © 2018 Horace Mann Educators.", "label": "No"}
{"text": "Water is an increasingly valuable resource. Finding ways to optimize its cycle is a real challenge, both for human and industrial use. The population growth and the increased rate of industrialization require technological solutions to increase the efficiency in wastewater treatment. In previous articles, we addressed new desalination and purification systems. However, the industry has its own water needs, with different levels of purity in demand.\nAmong the different industrial sectors, Oil&Gas rank within the top eight industries with the highest water demand. This fact can be explained by the large amount of water required for the extraction and refining of crude oil. The outcome is an enormous amount of wastewater requiring a complex treatment because of the number of pollutants and their different types, which vary according to the extraction techniques and location.\nWater scarcity and the tightening of environmental regulations area leading this industrial sector to embrace innovative technologies for a more efficient water management and even its use for other purposes.\nThe INTEGROIL project provides a new solution for the treatment of water with variable composition, aiming to increase the reuse of water by 50%. The Oil&Gas sector, because of its complexity, is the optimum environment for the implementation of this technology, although the solution will hopefully cover the needs of other industrial sectors that treat complex waters.\nIntegrating a range of technologies to solve complex challenges\nThe complexity of the sector requires powerful, flexible and versatile technologies. Thus, INTEGROIL is combining a range of proven technologies that include dissolved air flotation (DAF), filtration using ceramic and polymeric membranes, advanced oxidation and the addition of chemicals with a low environmental impact. These technologies will be managed through a decision support system (DSS), which plays a crucial role to guarantee that said technologies are properly integrated and operate according to the sustainability goals. These goals comprise low consumption of energy and chemical substances, high water efficiency or all of them in combination.\nIn short, the INTEGROIL platform has been designed as an adaptive system (able to treat wastewater from different industries), flexible (able to manage different types of wastewater while meeting regulations) and easy to use (the DSS allows non-specialized users to operate the system).\nThe project was initiated on 1st June 2016 and the technology is expected to be implemented under real circumstances by early 2020. Currently, the design and construction stage of the demonstration plant integrating the different technologies has already been completed.\nTo that end, a thorough analysis campaign has been carried out to typify the water generated in the extraction of crude oil and the wastewater from refining processes. The results are key to adapt the different individual technologies to the operating conditions within the Oil&Gas sector.\nEach technology partner involved in the project (ACCIONA, LIKUID, REP, BWA, URV y APLICAT) has therefore carried out the design and manufacturing of the individual modules, adapted to the Oil&Gas sector conditions, to achieve a single solution.\nThe integrated INTEGROIL solution provides 16 potential operating modes depending on the initial quality of the treated water and the quality required for the resulting water. The DSS suggests several settings related to the quality of the input and output water, with sustainability criteria considered. A range of signs and parameters can be viewed to improve the decision-making process to optimize the operation of the plant.\nThe INTEGROIL integrated solution is currently being tested within a representative crude oil extraction context, the upstream scenario. Following that, it will also be tested in a TUPRAS-owned oil refinery, which will provide the downstream conditions.\nThe project comes together with a detailed Water Cycle Analysis (2.-0 LCA Consultants), and the communication to support the commercialization of the results, with the contribution of the European Desalination Society (EDS).\nFunded by the H2020 (GA-688989) program, the technology behind the INTEGROIL project will foster the sustainability of the most water-hungry industrial sectors by increasing the amount of reusable water.\nFurther information: www.integroil.eu", "label": "No"}
{"text": "Explore the technology predictions for:\n- Chargers and adapters\n- Consumer audio\n- Data Centers\n- How GaN technology will play a role in these trends\n2021 will be the year when companies must double down on digitally-driven experiences, operational excellence, products, supply chains, and ecosystems – not just to rapidly advance, but even in some cases to survive. The measurement of their success will be dependent on how well they harness advanced technologies to jump to the next growth curve in their respective industries.", "label": "No"}
{"text": "ELEVATE YOUR RIDING EXPERIENCE WITH RIDE COMMAND®. Command your ride with detailed trail maps and weather radar, conveniently located on the Need to reclaim your garage space and get paid for it? Galaxy Motors will buy Did you decide to ride the bus or your bike to work and want some extra cash for the anything at all? Galaxy Motors is the Want to trade your car? No problem! 12 Jan 2020 Customers are not just a source of revenue for a company's core business. Companies like Uber use information about them to generate Switching to a smaller wheel and a thicker tire can give you a smoother ride without any major modifications to your car. However, if you go too crazy and change 6 Feb 2018 On a typical trading day, computers account for 50% to 60% of market trades, according to Art Hogan, chief market strategist for B. Riley FBR. 26 Feb 2020 Meanwhile, the Surrey Board of Trade and taxi companies have started a Your browser does not currently recognize any of the video formats\nSee how much your trade-in item is worth here at Cape Cod Harley-Davidson® in Bourne, MA.\nTRADE IN YOUR RIDE | Harley-Davidson® of Indianapolis Trade in Your Ride ; Finance ; Take a Free Test Ride ; Service . Schedule a service ; Genuine parts & products ; Dyno services ; Service department ; Motorclothes . MotorClothes ® & Merchandise ; Riding essentials Trade In Your Ride | Bull Run Harley-Davidson® Looking to sell or trade your Harley-Davidson? Need cash in your pocket now? Fill in our free Harley valuation form below. Sell your Harley® | Blue Ridge\nTrade in your ride ; Shop by Payment ; Book A Service ; Learn to Ride . Riding Academy ; Additional Practice ; Shop . Motorclothes & Merchandise ; Riding Essentials ; Performance Riding Jeans ; FXRG ; Genuine Parts\nReplace Your Ride", "label": "No"}
{"text": "Win a year’s supply of cake!\nEnter our free competition to win a monthly cake subscription for a whole year! That’s right – we will supply one lucky winner with a different homemade cake from ‘The Cake Club’ delivered to you at work, once a month for a whole year!\nHow to enter\nSimply complete your details using the form below and let us know what your favourite cake is. You will be entered into a free prize draw and the winner will be drawn at random on Monday 2nd July 2018.\nFull terms and conditions can be found here.", "label": "No"}
{"text": "Senior Bid Manager\n|Location:||City of London, London|\n|Specialisation:||BD, Marketing & Communications|\nAn opportunity is available for a Senior Bid Manager to join this firm and be an instrumental player in the development and progression of this international centralised bids function. Your strategic focus will be to develop the output of the firm's most complex, multi jurisdiction and cross-practice bids. Whilst being hands on with the major bids your strategic responsibility will be to challenge the status quo and guide the bids function into a direction where their output is at the best standard possible.\nThis law firm is market leading, has excellent brand differentiation and isn't afraid of change. They have an established and highly regarded BD and marketing function and have genuine partnership buy-in. The firm have had significant investment in their facilities, systems and benefits of late and has an exceptionally strong reputation for looking after their people.\nThe ideal person will be able to demonstrate the following experience and attributes:\n- Excellent knowledge of the bid process, able to understand and deliver to client needs with high success rate on an international level.\n- Experience of working within professional services, partnership environment.\n- Experience of influencing and advising senior stakeholders, able to tactfully influence change and win hearts and minds across a range of jurisdictions.\nThere are opportunities to travel in this role, although primarily based in London.\nThis is a genuinely exciting opportunity for someone ambitious, looking for huge scope to implement change and put their mark on something.\nContact me now for more information or apply now.", "label": "No"}
{"text": "When you are looking for the best casino bonuses you must look for various options. Casinos offer a variety of bonuses. Each one offers a distinct benefit or incentive for players. Finding the most lucrative casino bonuses could require some time and effort on your part. Continue reading for more details about the various casino options you can take advantage of when visiting an individual casino.\nFirst, the best casino bonuses are generous and suitable. You might be eligible for a few free spins, or even cash on your initial deposit. The majority of casino bonuses require a minimum deposit. The wagering requirements are fair and achievable. These bonuses aren’t worth the risk of depositing large amounts. It is an excellent idea to receive a small percentage off your first deposit or to receive free spins.\nSome online casinos offer the best casino bonuses which include welcome Ahti casino bonuses. These bonuses can assist new players in getting familiar with casinos online and the games they will be playing. This is a great opportunity for players who are new to get involved in the casino online.\nRedeem bonuses are another example of the best casino bonuses you can get. These bonuses let you receive cash back from your account to spend real money. There are a variety of ways to get your money back. You can play spins or make actual credit purchases. While this might sound like a gimmick however, it’s not. These bonuses are provided by the most popular casinos online to get people to spend money.\nAs for promotions and contests the most significant bonuses for online casinos usually Comeon casino come around during the holiday seasons. This is evident during the Christmas season. This time of year casinos provide incredible jackpots as well as other incredible advantages for those who choose to are playing their games during this time of the year. Make sure you take advantage all promotional opportunities that are open to you. To enjoy the best online casino bonuses you must play at the top casinos.\nCasinos online offer a myriad of ways to draw new customers. One of the easiest ways is to offer welcome bonuses that can help new players get started with real money. These bonuses can also be used to earn cash back as we’ve previously mentioned. Making deposits into your account or receiving any other deposit bonus can help you bring new customers to your website.\nCasino bonuses are often times they come with the possibility of a sign-up bonus. This means that if you sign up for an account at one particular casino, you will receive an additional bonus on your first deposit. It is common to receive up to 10 percent off the amount of your initial deposit. These bonuses can also be obtained by other means like signing up for a specific service or joining a referral program, or participating in sweepstakes competitions.\nIn the end, you must be aware that there is many different casino bonuses to select from. These bonuses are beneficial to you as they give you the opportunity to play the games you love at a casino without paying the full price for them. Some bonuses require that you gamble with real money. In this case you must be sure to read the terms and conditions of the bonus prior to making an try to deposit money. If the promotion allows you to deposit funds then you’ll be pleased to learn that there are a variety of ways to receive free bonuses when you gamble on a particular gambling site. This includes participating in drawings that are winners, drawing prizes, or winning raffle tickets.", "label": "No"}
{"text": "I am a postdoc working on a Marie Skłodowska-Curie project funded by the European Union. For the first two years I will work at UC Davis in the group of Bruno Nachtergaele, after which I will return to Germany to work in the group of Barbara Terhal.\nHaag duality in Kitaev's quantum double models\nOur paper on Haag duality in quantum double models has been published in Reviews in Mathematical Physics. Read on for a summary of our main results.\nNew website uploaded\nThe website has been updated and redesigned, to reflect my move to UC Davis.\nMarie Sklodowska-Curie project started\nI have started working on the `Operator-algebraic Approach to Topological Phases’ (OATP) project funded by the European Union. This project will run for three years. See here for more details.", "label": "No"}
{"text": "\"I find that most men would rather have their bellies opened for five hundred dollars than have a tooth pulled for five\"\n- Martin H. Fischer\nAbout this Quote\nThis quote by Martin H. Fischer is a funny way of showing the worry and dread that lots of people have when it concerns visiting the dental expert. Fischer is recommending that people would rather withstand a more severe and invasive medical treatment than have a tooth pulled. This quote is a tip that oral treatments can be intimidating and uncomfortable, which many individuals would rather prevent them if possible. It likewise talks to the power of money, as Fischer indicates that individuals would be willing to pay a large amount of money to prevent an oral treatment. Eventually, this quote acts as a reminder that oral care is necessary and should not be taken lightly.\nAbout the Author", "label": "No"}
{"text": "Senior Business Development Manager, Out-Licensing\nSenior Business Development Manager, Generics Out-Licensing, Progression towards line management, Global Coverage, Some of the highest commission in the industry\nI'm currently working with one the fastest growing and dynamic generic B2B players in the industry. The head of business development is looking for new talent to bolster the team and is keen to take someone with the ability to not just sell, but in the future to step into more management and BD strategy (such as portfolio development).\nThe company have a number of labs and manufacturing sites and have a significant portfolio for generics, complex generics, OTCs and some new products. What may be very appealing to those in industry is the potential to develop and step up, we have many case studies of people who have done this in a very short time. In addition, this company has some of the best bonuses in the industry, so if you do rate your ability, then financially it can be highly rewarding. If you are working in BD/Sales for out licensing for the Generics B2B market and you could be interested, feel free to reach out to me.\nLocation: EU Wide/Home Based\n- We can only consider candidates who have strong experience in pharmaceutical generics for b2b licensing. Innovative pharma, devices and other similar industries we cannot consider.\n- A strong deal sheet of generic out-licensing deals, ideally within the EU, ROW on top is an advantage\n- Proven tenures within companies with examples of internal development\n- Already located in the EU or an EU passport holder\n- Hungry to build a portfolio and generate long term sales\n- Able to travel on a frequent basis (Once normality is restored)\n- A life science degree would be beneficial\nPlease be mindful that applicants who don't meet these requirements we cannot promise feedback to.\n- Closing profitable out-licensing deals on a global level (Area of coverage will depend on the candidate)\n- Account management of new and existing clients to ensure delivery and long term revenue targets\n- Once proven in the role, there will be opportunity within pipeline development, other licensing options and people management.\nFor a confidential discussion about this role, or to apply, then send your CV to firstname.lastname@example.org or call me, Matt Beedle, Executive partner on +41 43 50 80 81, ask to be transferred to extension 3290. Please feel free to visit my linked-in profile to see my references/recommendations.\nNonStop is one of the largest and fastest growing specialised life sciences recruitment companies in Europe. We are proud members of the APSCo life sciences group who ensure we meet the highest quality standards within the recruitment industry. Our offices are located in the UK, Luxembourg, Switzerland, Romania, the US and the Czech Republic and we hold labour leasing licences across Europe. Please visit our website for a full list of the niche markets we cover.\nApply for Senior Business Development Manager, Out-Licensing\nAlready uploaded your resume? Sign in to apply instantly", "label": "No"}
{"text": "Seeking an experienced healthcare architect with existing connections in the Chicago market who is interested in building a practice from the ground up. The ideal candidate would be a seller-closer-doer working in partnership with our business development team and national resources. This person needs to have an entrepreneurial spirit and be someone focused on the future of the design industry and how that future will be leveraged to deliver the utmost value to our clients.\nCulturally, client is a firm focused on “we,” not “I” and are looking for someone who will flourish in that environment. The right candidate also needs to be enthusiastic about developing a plan for how they will succeed in building a healthcare practice in Chicago, with the full support of corporate resources. The position will be based in Chicago and the candidate needs to be local.", "label": "No"}
{"text": "- American Physical Society Sites\n- Meetings & Events\n- Policy & Advocacy\n- Careers In Physics\n- About APS\n- Become a Member\nI was happily surprised to find that Bryce DeWitt was featured in \"This Month in Physics History\" in the May 2009 issue of APS News. The article is excellent.\nUnfortunately, it contains one wrong statement1 that I have tried to rectify2 for many years–namely \"Ironically, it was Bryce DeWitt who changed his mind.\" In fact, DeWitt promoted Everett's work from the very beginning. When John A. Wheeler asked DeWitt to read Everett's thesis, DeWitt found it \"new and refreshing.\" His only reservation \"I do not feel myself split\" was quickly dispelled by Everett's response that we do not feel the earth move. DeWitt immediately replied \"Touché.\" However, the remark \"I do not feel myself split\" has been construed as an initial rejection by DeWitt.\nI am currently editing a book The Pursuit of Quantum Gravity, Memoirs of Bryce DeWitt from 1946 to 2004 that will be published in the near future by Springer-Verlag. I hope this book will set the record straight once and for all.\n1Peter Byrne \"The Many Worlds of Hugh Everett\", Scientific American, Dec. 2007, pp 98-105.\n2Cecile DeWitt-Morette \"Letter to the Editor\", Scientific American, April 2008 p14 and p18 (as edited by Scientific American).\nRegarding the “Profile in Versatility” in the August/September APS News: I find it profoundly sad, that people who by their own admission first and foremost care about money and power, are also those who advise US senators on the physics of the US defense technology. Though, that must explain how we end up wasting billions of dollars on “missile defense systems”... and those advisers end up as defense industry executives.\nI must respectfully voice my skepticism with regards to Nina Fedoroff's concept of “science diplomacy”–especially since I am one of many scientists who are part of the “brain drain” mentioned in her “The Back Page” essay (August/September APS News). She oversimplified the problem by disregarding lessons from history regarding the development of science in various civilizations from antiquity to modern times. In every case, science has flourished only in societies that have stabilized economically and politically. This is well discussed by Steven Johnson in his book, The Invention of Air. In reflecting on the conditions under which the legendary Joseph Priestley first discovered the ecological relationship between plants and animals, Johnson points out that had the very same tools and accumulated data been made available to, say, a monk living in medieval times, the discovery would never have been made simply because the monk would not have the time or the energy to reflect on the matter: He would have been too preoccupied with laboring for sustenance and protecting himself from brigands, among many things. There is a parallel situation for scientists in brain-drain countries: a significant part of their time and energy is diverted to problems that simply don’t exist in developed countries, and none of these problems are addressed by “science diplomacy.” Granted, we have to do something regardless, and such programs do provide much needed moral support and encouragement for those scientists. But the benefits will always be short-lived as soon as university professors find themselves once again preoccupied with, say, financing the health care and education of their children by working a second job. In the long run, I believe this type of foreign aid simply exacerbates a scientist’s desire to move to greener pastures, by reminding them what they are missing. It is true that a paradigm shift is needed if we are to ease the brain drain and become equal partners across a “flat world,” but it would be naive to expect such a partnership until the quality of life in developing countries is significantly improved.\nAlbert A. Gapud\nArthur Bienenstock’s article in the July 2009 issue of APS News, entitled “Administrative Burdens Stifle Faculty and Erode University Resources,” is a thorough and penetrating analysis of the many factors that confront faculty and university administrations in managing research grants.\nThe main argument is that “The most appropriate way of dealing with ... administrative burdens resulting from federally-funded research would be to lift the cap on administrative cost reimbursement,” so that universities are treated the same way as other non-profit and for-profit sectors. Bienenstock also acknowledges that “discussions of indirect cost rates are painful for faculty” because increases eat into money available for research, and that “faculty will protest strongly to Congress should there be a move to lift the cap ...”\nAllowing faculty to charge directly for administrative support, as the article suggests, would increase the management burden on researchers, and could lead to less than optimal use of staff positions. Also, some of the costs of federally-funded research, especially those involving human and animal subjects, will remain unrecovered. I think another approach to the problem which would get immediate support from faculty researchers is to decouple the award amount from indirect costs. So, if a particular NSF program has a ceiling of $100K per year, all of that $100K would be available for direct costs. If the grant is funded, NSF will negotiate directly with the university to arrive at the appropriate indirect costs for that grant. While this still leaves open the question of what is the appropriate reimbursement rate for universities, it has the benefit that faculty researchers may be more willing to support the concept of full reimbursement under these conditions.\nB. Ramu Ramachandran\n©1995 - 2024, AMERICAN PHYSICAL SOCIETY\nAPS encourages the redistribution of the materials included in this newspaper provided that attribution to the source is noted and the materials are not truncated or changed.\nEditor: Alan Chodos", "label": "No"}
{"text": "Guides are provided by the show and give you information on the show that can then be taught in the classroom. Please download the guides that are applicable to you.\nBroadway at the Hobby Center is presented by the Hobby Center Foundation. Sales tax exempt pursuant to Texas Tax Code Section 151.3101 (a)(3). Broadway Across America is an agent of and production services provider for the Hobby Center Foundation.", "label": "No"}
{"text": "Ask a Law Question, Get an Answer ASAP!\nThank you. If it isn’t in the paperwork which they sent to you and which you signed then they cannot charge it, it’s as simple as that. If they deduct it from your money received from the insurance company, and it wasn’t in the agreement you signed with the solicitor, then make a complaint to the firm’s Complaints Partner and if that doesn’t work, make a complaint to the Legal Ombudsman.\nIt must be clearly stated that they will take 25% a a success fee otherwise they cannot take it", "label": "No"}
{"text": "Here’s the link to the book you have all been waiting for… Thief by Tarryn Fisher is LIVE! YAY!! Happy one-clicking 🙂\nEnter your email address to subscribe to this blog and receive notifications of new posts by email.\nJoin 815 other subscribers\nYour Email Address\nFlirty and Dirty Book Blog on Facebook", "label": "No"}
{"text": "Learn how to use the latest trends in real estate technology and marketing from some of the most dynamic and successful people in the industry by reserving your place at the Nov. 4 Chicago-area Xplode Conference now.\nXplode is coming to Illinois for the first time, in a jam-packed eight-hour conference that’s sure to keep you on your toes. Registration for the event – sponsored by IAR and the Mainstreet Organization of REALTORS® – costs $49 through Oct. 3. On Oct. 4, the price goes up to $69.\nThe lineup of presenters includes:\n- Annette Anthony, Vice President of Technology Engagement for EXIT Realty;\n- REALTOR® Ryan Bokros, Director of Industry Engagement for IDX Broker;\n- Chuck Boyce, Chief Publisher for Authority Media Group;\n- Matt Fagioli, Xplode Conference Founder;\n- Terry Gilliam, Senior Business Development Manager for Smartzip;\n- Katie Lance, Founder and CEO of Katie Lance Consulting;\n- Jim Marks, President of Virtual Results;\n- Alice Pak, Vice President of Market Development for Sindeo;\n- REALTOR® Joe Sesso, National Speaker for Homes Media Solutions and Homes.com;\n- Chris Smith, Co-founder of Curaytor;\n- REALTOR® Eric Stegemann, Director of Strategy for Tribus Group; and\n- Bryson Womack, Director of Sales Operations for IDX LLC.\nWith expert presenters delivering great ideas for growing your real estate business, it’s no wonder IAR has partnered with Xplode. And the conference is at a convenient location – the Stonegate Conference Centre, 2401 W. Higgins Rd., Hoffman Estates.", "label": "No"}
{"text": "Money Rush Game\nPlay Money Rush Game for free! All your favorite and trending games are on Gamebol.com. Play now!\nMultiply your coins, select the best gates and collect lots of money! Money Rush is a fun runner game with one goal: get rich! Collect coins as much as you can to turn your game into a cash rush!", "label": "No"}
{"text": "MUSKEGON, Mich. – SAF-HOLLAND has expanded its CBX series air suspension/slider axle system for the North American market with its new SAF CBX46 and CBX50.\nBoth the CBX46 and the CBX50 offer the 5.75-inch diameter axle technology. The CBX46 has a substantial upgrade to the overall slider strength and rigidity with a thicker 80 KSI steel slider sub-frame material. The CBX50 shares the same slider material as the CBX46 but is further advanced as it has two additional crossmembers.\n“The CBX46 and the CBX50 are key suspension/slider axle system additions in our ever-growing portfolio as we continue to meet the needs of our customers,” said Steffen Schewerda, president of trailer suspension systems business unit. “The expanded CBX Series provides customers with more suspension choices from SAF-HOLLAND with the same performance, efficiency, and reliability that they have come to depend upon.”\nHave your say\nWe won't publish or share your data", "label": "No"}
{"text": "Sale Sold out\nRegular priceUnit price per\nFunko Pop #328 Pandapool (Hottopic Exclusive)\nIndeed! He is your ally. But he is no mere panda! He is-- PANDAPOOL! --The species that endangers you\nAll that you also need to know..\nKnown from: Deadpool\nEdition: Hot Topic Exclusive\nShipping: From Denmark", "label": "No"}
{"text": "This master’s thesis focuses on the new conditions for municipal teachers following the passing of new bill, bill 409, which changed the municipal teacher’s former collective agreement. My main motivation for writing this thesis is to observe how the teachers cope with the new expectations that this bill, combined with a new school reform, bestow upon them. Through a Foucault inspired discourse analysis I observe how Local Government Denmark and the Treasury, through their observation of time, discursively construct three different subject positions. I name these subject positions the normalized teacher, the liberated teacher and the privileged teacher. Foucault also provide my inspiration to analyse how the teachers, through their observations of this bill, establish certain strategies to handle these new expectations. I observe three different roles, the holistic teacher, the wage earner and the compromise teacher. It is apparent that these observations are opposing in most ways, but mainly because the two different parts were affected by different discourses. Especially in the two parts’s observation off the management of time. The concluding discussion points out, how this bill is not in line with Foucaults thoughts on conduct of conduct, but rather represents his thoughts of normative and disciplinary power. The discussion observes how the teachers establish counter-power strategies to oppose these specific forms of power. Lastly the thesis discusses the difference between role and identity and the implication of bill 409 in that relation. The thesis argues that bill 409 fosters a particular set of roles that promote factory-like municipal teachers and thus precludes the more passionate teachers. That contributes to a decline in the overall professional level of, and the way teaching as a profession influences the direction of the future municipal school in Denmark.\n|Educations||MSocSc in Political Communication and Managment, (Graduate Programme) Final Thesis|\n|Number of pages||102|", "label": "No"}
{"text": "Meet the Bowen Craggs Team\nSenior Consultant, Vice President USA\nAlongside her client work, Georgia is responsible for leading the expansion of Bowen Craggs’ US operations. Since joining Bowen Craggs in September 2021, Georgia has co-written research on what the next generation wants from online corporate communications, and has completed consultancy projects for a range of clients including Amazon, Spotify, and Sky. Before joining the company, Georgia worked in global strategic communications, where she advised companies including PayPal, Alibaba and Zoom.\nDavid co-founded Bowen Craggs in 2002, six years after establishing the London-based publishing and consultancy business Net Profit. In 2004 David was named one of the 100 most influential Britons in the internet’s first decade. David was twice named UK national newspaper industrial journalist of the year during his seven years as industrial editor of The Independent on Sunday. He was also energy editor of The Independent and had a long-running twice-monthly column on websites for the Financial Times.\nHead of Club Events and Community\nLiv is responsible for planning and organising Bowen Craggs Club events, both online and in-person. She also manages the online Club community on Guild, our private networking platform. Liv has previous experience in digital newsletter and content marketing, and as Senior Associate in Client Solutions for a B2B insight network in the financial services sector. She has an MA degree from the University of Basel.\nDan advises the Bowen Craggs board on business strategy. From 2005 to 2023, he was Chief Commercial Officer at the company. Dan joined after 12 years as an internet entrepreneur. In 1993 he founded a software company that developed operational online risk management tools. Eight years later he founded a leading enterprise-class web analytics software company. Both companies had successful exits for Dan and his venture capital investors. At Bowen Craggs he expanded the company’s client base to include more than 50 Fortune Global 500 corporations and added a range of quantitative measurement services to Bowen Craggs’ portfolio.\nCorporate Communications Consultant specialising in social media\nMargot has an academic background in politics and strategic communications. Before joining Bowen Craggs, she published research on the political use of social media by younger generations (at University College London and the London School of Economics). Margot also has experience in content creation and managing social media channels. She will be applying those areas of interest and knowledge to advising Bowen Craggs’ clients on their corporate digital communications.\nHead of Marketing\nInese is responsible for Bowen Craggs marketing activities, with a focus on digital channels. She has over five years of experience, and most recently worked with a global construction and property consultancy, implementing digital marketing and communications strategies. Inese is a Chartered Marketer and has an MSc International Marketing degree.\nDirector of Sales and Marketing\nTom is leading the Bowen Craggs Sales and Marketing team. His team focuses on client relationships as well as introducing Bowen Craggs to new organizations and markets. He has extensive knowledge and experience in managing the overall quality of digital web estates as well as successfully leading sales, delivery and implementation of a market leading SaaS digital quality management platform. Tom’s commercial mindset, and focus on the bigger picture, has allowed the business to expand its portfolio and consider new and practical ways of working.\nHead of Strategic Insights\nJonathan has more than 20 years of experience working across corporate communications, editorial and marketing. Jonathan was managing editor of bp.com from 2004 until 2006. He has also held in-house communications roles at BT and Dow Jones. During the internet boom years of the late 1990s, he was an editor at About.com, the information network that was later bought by The New York Times.\nPhilip advises the Bowen Craggs board on commercial and financial strategy. He is an angel investor and board advisor to a range of small unquoted businesses in the digital communications, technology and property industries. Philip started his career as an accountant with Ernst and Young, before moving into corporate finance and corporate turnaround roles. Philip led the buy-out of Wheel, the largest digital communications agency in London in the early 2000s. Since selling Wheel to LBi, (and then Publicis), Philip has worked with many digital businesses including, among others, ROEYE; Preloaded; Line; Skyron; The UX Agency; and MTM London. He also chaired the digital transformation specialist, Seren Partners, which was sold to Ernst and Young and renamed EY Seren.\nKaren Le Marquand\nDirector of Brand, Digital Platforms and Information Security\nAlongside her work for clients, Karen is responsible for the Bowen Craggs brand and for the development of our digital products and estate. She joined after extensive experience working in digital media in Italy and the UK, including as an account director for agencies such as Deepend, Ogilvy and Syzygy and for clients from industries including automotive, charity and financial services, among many more. She has also worked on projects that include major web builds, e-ticketing and digital marketing campaigns.\nHead of Visitor Research Methodology & Delivery\nBefore joining Bowen Craggs in 2007, Helen had a long and varied career with The BOC Group in the Australian and UK businesses and then corporate roles in strategic planning, global marketing and programme management. These roles gave Helen a voice and a personal network across geographies and lines of business which she leveraged to initiate and lead a relaunch of the corporate website with improved customer focus.\nBowen Craggs played an instrumental role in her achievement by deploying a survey that “busted the corporate myth” that customers were adequately served on business and country sites and provided hard evidence for repositioning the corporate site. This experience underpins Helen’s passion for visitor research to both bring about change and measure its impact.\nHead of Finance & Administration\nDenise is responsible for the day to day running of the office, managing all accounting activities, client invoicing and HR administration. She has more than 20 years of experience in cash management, reconciliations and customer service at global companies including HSBC, BNY Mellon and Worldpay.\nHead of Visitor Research Implementation & Development\nAndy has worked in commercial web development and consultancy since 1996. Originally from a production and design background, this has been broadened by technical consultancy in performance management and high availability systems; and then web analytics and usability. He understands the multiple aspects of large-scale corporate websites: business goals; operational implementation and support; and design and development. He uses his experience to help communications and technical teams understand each other and work together effectively.\nChief Executive Officer\nAs well as working for clients, Scott is responsible for ensuring that Bowen Craggs’ strategy is implemented, and overall financial management. Before joining Bowen Craggs, he was launch editor of pan-European investor relations magazine Real IR and editor of a range of other business and technology magazines. He has been writing about online communications since 1998, and conducting research and consultancy work in the area since 2000. Scott’s business journalism has appeared in publications including the Financial Times, The Spectator and The Independent. His research reports have been published by The Economist Intelligence Unit, KPMG, PwC and Freshfields, among numerous other organizations.\nHead of Knowledge Management\nMali is responsible for ensuring that our clients get the knowledge and insight they need from the Bowen Craggs Index. She joined Bowen Craggs & Co as its first analyst and researcher, and is now also our specialist in serving jobseekers and employees online. Before joining Bowen Craggs, Mali was internet manager for the online corporate presence of Arup, a major international engineering and technology services consultancy. She has also worked in IT recruitment, as a multi-media executive for a UK agency.\nHead of Client Relations\nNatasha works with our clients to understand their goals and objectives, and highlights how their Bowen Craggs membership can support them in hitting them. Natasha has more than five years of experience supporting international clients on a range of software-as-a-service platforms. She has a track record of building and scaling customer success teams in growing businesses. Natasha’s laser focus on customer satisfaction ensures that our clients are in good hands.\nClaire has a background in corporate communications and marketing for global technology companies in industries including factory automation, engineering consulting and consumer goods. After working in New Zealand, China, Costa Rica and the UK, Claire brings first-hand experience of the challenges faced by companies communicating with multiple audiences across borders and cultures. She brings particular experience in ensuring consistency of messaging across digital channels including websites, social media and intranets.\nDirector of Consultancy and Visitor Research\nAndrew is responsible for ensuring clients get the best possible insight from Bowen Craggs, leading the development of our consultancy services and managing our client work. He previously worked for the company as an associate analyst and consultant. He has more than 15 years of digital communications experience, the last ten of which were in corporate communications on both sides of the client/agency fence. Andrew has worked with companies of all sizes in a variety of sectors, on all kinds of digital projects from corporate websites to social media to mobile strategy. He has also spent time in the digital sports world.\nCorporate Communications Consultant specialising in editorial\nBefore joining Bowen Craggs, Caterina gained experience in advertising, marketing and journalism while interning for companies including Microsoft. During her time at Microsoft, she worked on a successful Microsoft Band campaign with the Advertising Operations team, producing online content. Now Caterina will be applying her skills and knowledge of online communications to advise Bowen Craggs clients.\nDirector of Editorial\nAlongside his client work, Jason is responsible for the editorial across Bowen Craggs publications. As a member of the management team, he is responsible for ensuring that editorial output supports the company strategy and client needs. Jason manages the Bowen Craggs Index Snapshot and ensures that the underlying methodology is up to date and responsive to new trends. Jason joined Bowen Craggs after eight years at the Economist Group leading editorial and research projects. He has more than 20 years of experience as a consultant, analyst and business journalist in the UK and US, covering corporate communications, corporate social responsibility and knowledge management.\nVisitor Research Consultant\nHermione is responsible for data analysis, development and delivery of Bowen Craggs’ visitor research service. With degrees in BSc in Management and MSc Business Analytics, Hermione is passionate about extracting valuable insights from data to help with business strategy and decision making. Before joining Bowen Craggs, Hermione gained experience in quantitative research and consulting at Ipsos. She has lived and worked in Asia and Europe, and has experience communicating on digital channels with audiences with diverse cultural backgrounds.\nSummaiya is responsible for running projects across Bowen Craggs. She joined after extensive experience working within the UK National Health Service, Dow University of Health Sciences & the National Centre for Smoking Cessation and Training.. She has over 10 years of experience in community medicine & clinical research, public health management, and project management.", "label": "No"}
{"text": "Article | 21/08/2011 HP's $US99 TouchPad tablet selling out in retailer fire saleSome retailers sold out remaining Hewlett-Packard TouchPad tablets in just a few hours on Saturday after heavily discounted prices attracted buyers to...\nArticle | 20/08/2011 HP's PC unit could be a tough sellHewlett-Packard may struggle to attract buyers for its Personal Systems Group (PSG), which might carry too high a price tag in a PC market struggling ...\nArticle | 20/08/2011 Wall Street Beat: Megamergers, earnings roil techAgainst a backdrop of economic uncertainty, acquisitions and earnings news from the world's top PC makers (Hewlett-Packard, Dell and Lenovo), the bigg...\nArticle | 19/08/2011 HP bails out on the PCThe acknowledgement yesterday by Hewlett-Packard (HP), the world's largest PC maker, that it is considering spinning off its massive PC manufacturing ...\nArticle | 19/08/2011 HP to acquire info management software firm AutonomyAfter half a day of frenzied speculation from the IT industry, Hewlett-Packard has confirmed that it is acquiring information management software vend...\nArticle | 19/08/2011 HP kills tablets, smartphones, confirms PC spin-off plansHewlett-Packard will discontinue operations for webOS devices, specifically the TouchPad tablets and smartphones. It also confirmed that it is explori...\nArticle | 19/08/2011 HP plans PC spinoff, $10 billion Autonomy buyHewlett-Packard is reportedly set to announce that it will spin off its PC business and purchase analytics software vendor Autonomy for $US10 billion ...\nArticle | 18/08/2011 Zynga reportedly buys Astro ApeZynga has acquired mobile games start-up Astro Ape, according to Business Insider, which notes that Astro Ape employees are changing their place of em...\nArticle | 18/08/2011 Why Microsoft won't buy hardware to compete with GoogorolaChances are Microsoft will not retaliate against Google's 12.5 billion purchase of Motorola by acquiring a phone maker of its own, say industry analys...\nArticle | 17/08/2011 Google-Motorola deal: Pundits weigh inGoogle's bid to acquire Motorola Mobility is a brilliant move that will stave off Android's patent attackers. Or it's act of desperation that will for...\nArticle | 17/08/2011 Analysts: Google looks to Novell for Motorola valueGoogle's interest in Motorola may really be just for the patents after all.\nArticle | 16/08/2011 Are Motorola's patents enough to protect Android?Google's $12.5 billion purchase of Motorola Mobility will land it a vast portfolio of patents, but the legal obstacles facing its Android operating sy...\nArticle | 16/08/2011 As a carrier's partner, Google may shineGoogle's planned acquisition of Motorola Mobility will force the search giant into a whole new set of relationships with mobile operators, which could...\nArticle | 16/08/2011 Google's Motorola buy may offer boost to MicrosoftWith most acquisitions, there are winners and losers. Google's buy of Motorola is no different, but in this case, neither of those companies comes out...\nBest Deals on PCWorld\n- TabletsView all »\n- NotebooksView all »\n- Mobile PhonesView all »\n- Printers & ScannersView all »\n- Networking, Wireless & VoIPView all »\nSign up to PC World Today for the latest news, reviews and galleries from PC World Australia.Sign up now »\n- FTJob Title: Mac Systems/ Enterprise Systems EngineerNZ\n- FTWeb Analyst - WebTrendsVIC\n- FTSenior Python DeveloperNSW\n- FTFlash / ActionScript Developer - ContractNSW\n- FTTechnical Consulting ManagerNSW\n- FTLead Software EngineerSA\n- FTOS Web Applications DeveloperNSW\n- FTQuality ManagerSA\n- FTR&D EngineerSA\n- FTTechnical Business AnalystNSW\n- FT.NET - Sitecore Developer - Melbourne - PermNSW\n- FTTest EngineerVIC", "label": "No"}
{"text": "As long harvard as your company’ s employees seek growth both your company your staff can reap the rewards of an get effective career development program. just adjust the program to fit the size and unique university needs of your business. if your business has multiple cross- training with , distinct departments shadowing other departments could prove useful. as with any journey abroad in order to successfully expand your business overseas it is important to chart your course before setting sail. proofreading online uk. michael evans outlines 10 key steps to consider carefully. essay about my favourite food pizza. top resume writers 2020. this how is the section of the business plan for exact numbers and business costs. if a harvard university how to get in business is selling a lot of product but still losing money in the long run, the business will fail. based on the previous university information collected get the business owner can provide a fairly accurate estimate university of the business’ s costs what will affect them. a simple business plan may only take a couple hours.\nhowever for the business plan provided with this template, which includes financial projections, it may take over 60 hours to research the university income costs associated with running your business. michael' s video service video production business plan executive summary. thesis or thesis. harvard michael' s video service is a start- up company providing video production services on a freelance basis. a business plan writing service get is a team of harvard university how to get in business experts that take your ideas & numbers produce a professional, combine it with some of their harvard own research well- formatted business plan. we looked at the 3 top business plan writing services compared their features pricing. welcome to the business plan wizard which will walk you step- by- step through the process of creating your business plan. a plan helps you find hidden business how flaws and makes you think carefully about each how phase of your business. by writing the plan yourself, you will gain in- dept. plan your business; market research franchise; launch your business; pick your business location; choose a business structure; choose your business harvard name; register your business; get federal , competitive analysis; write your business plan; calculate startup costs; fund your business; buy an existing business state tax id numbers; apply.\nAfrikaans essay on my dream holiday ap world essay help essay pay write paragraph about yourself dissertation guerre froide :water essay in gujarati health and nutrition essay dissertation on gender pay gap, professional personal essay writers homework maker. Admission essay for texas state write me an essay online essay employment in the future iga business plan business plan writer uk.banning homework essay essay of my house in english i finished my homework in german water essay writing, my leadership philosophy essay why do i write with my paper sideways pay someone to do my assignment uk\nthe fact that participation in undergraduate research helps students clarify a career path is valuable not only for the student, but for society at large.\nI am always satisfied with the services provided, and what I like the most is the understanding, which had helped a lot.\nwhether it be a science, math, business, history or english major.", "label": "No"}
{"text": "Please participate in this survey and share it with others.\nIf there is enough agreement, the team will be formed on this official forum soon.\nBenefits of this Issue:\n1- Successful internet team experience\n2- Improving the skills and knowledge of making game\n3- Familiarity with Divide work and do work in a game project\n4- If making the game is good, Most likely Amazon and Lumberyard team will welcome it and various applause\nDo you agree that we can help each other to create a game according to the existing forum , and start a game development project in this official forum", "label": "No"}
{"text": "What’s the carbon cost of consuming 2 billion cups of coffee a day? How can we reduce the carbon impact of coffee?\nFor many of us, overconsumption is a way of life. This desire to consume is ruining our planet. We need to do more with less, but how?", "label": "No"}
{"text": "Torresol Energy takes part at the European Future Energy Forum as a leading company in CSP technology\nTorresol Energy Investment SA, owned 60% by the Spanish engineering group SENER and 40% by Masdar (Abu Dhabi Future Energy Company, ADFEC, company for the development of renewable energies launched by the investment company belonging to the Abu Dhabi Emirate, MUBADALA Development Company), will have a 60 sqm booth where it will show its projects in Concentrating Solar Power (CSP). In the same space, SENER will be showing some of its innovations in CSP technology.\nAmong Torresol Energy’s projects, Gemasolar stands out, the first commercial plant in the world to use central tower receiver technology with a heat storage system. It will enter operation in 2011 and the company is hoping it will become an international reference: a starting point in the strategy to reduce costs in the thermosolar power sector.\nThe technological significance of Gemasolar, the flagship project of Torresol Energy, has received several international awards. Located in Seville, once built, in 2011, the plant will supply clean and secure energy to 25,000 households and reduce CO2 emissions by more than 30,000 tons a year. Gemasolar’s technology will be represented at EFEF with a big tower in the center of the booth. The CCP technology will also be shown, that is applied in Torresol Energy’s Valle 1 and Valle 2 projects, located in Cadiz (Andalusia, Spain), whose construction works continues to progress as expected.\nBesides, SENER will be showing some of its main innovations in CSP, such as the molten salts system, used as heat transfer fluid and as storage system, or the design of the cylindrical-parabolic collectors SENERtrough.", "label": "No"}
{"text": "Francesc Segura Fuster\nA Law graduate from the University of the Balearic Islands in 1989, the same year he joined the Il.lustre Col.legi d’Advocats of the Balearic Islands.\nAs one of the founders of the company he is managing the following areas of:\n- Administrative Law\n- Monetary Proceedings\nHe has been an associate lecturer in Administrative Law in the faculty of Public Law at the University Illes Baleares (UIB).\nHe has also been lecturing in the School of Tourism (UIB) and he has a title of a University Specialist in Spatial Planning and Urbanism of the UIB.\nHe is a co-author of the Codi Tourist legislation, Institut d’Estudis counsellor in the second edition of 2007.\n[display-posts author=”fsegura” posts_per_page=”-1″ include_date=”true” date_format=” j F Y” wrapper=”div”]", "label": "No"}
{"text": "Gibson Dunn & Crutcher LLP\nPublished April 2011, last updated June 2011\n2011 Vault Ranking: 14\nGibson Dunn & Crutcher stands out among the elite American law firms as being one of the few not originally based in an east coast city. With roots dating back to 1872 in Los Angeles, California, the firm has been a California institution for more than a century. The firm has since expanded on both a national and international scale, with over 1,000 attorneys in seventeen offices on four continents. Though close to half of the firm’s attorneys reside in one of five California offices, the firm’s single largest office is still in New York City, and its reach spans the globe.\nGibson is notable as the single highest Vault-ranked firm not based in New York or Washington, D.C. When one considers that Vault rankings tend to favor New York based firms, this accomplishment is even more impressive. Though Vault ranks the firm #17 in New York, it is ranked #11 or better in Texas, California, and Washington D.C. The firm ranks in the Vault’s top twenty for a whopping twelve different practice areas, a number far exceeding that of numerous higher ranked firms. Gibson’s client list is no less impressive, either. It has or is currently representing Wal-Mart, Chevron, Intel, numerous auto manufacturers and media conglomerates. The only thing missing from its stable of clients are the numerous financial institutions that seem to flock to Manhattan firms.\nWhile the financial downturn spelled disaster for many firms that were heavily reliant on the financial industries sector, Gibson continued to march onward and upward. In 2009, the firm had a 4% increase in gross revenues, setting a new record for the best income in the firm’s history. The firm is proud that it has zero bank debt, and has been maintaining a conservative fiscal strategy that doesn’t expose the firm to the vagaries of harsh market conditions. The firm has claimed no economic layoffs of attorneys, however there are rumors of “stealth layoffs” of underperforming associates or senior associates that have been characterized as performance-based terminations.\nBush v. Gore. Perry v. Schwarzenegger. Many Americans may not be able to name more than a handful of top law firms, but these front-page cases resonate with all ends of the political spectrum. In both cases the victorious attorney was Gibson Supreme Court superstar Ted Olson. Olson is the most recognizable face of the most recognizable department within the firm, the hands down best appellate litigation team in the country, one that has argued more than one hundred cases before the Supreme Court of the United States.\nGibson’s elite litigation department has been consistently recognized as one of the best in the country from top to bottom. American Lawyer recognized Gibson as the “Top Litigation Department of the Year” in 2010. It has represented a litany of notable clients in newsworthy cases: Viacom in its billion dollar suit against Google and YouTube, NBC Universal against Conan O’Brien, and Intel against European Union antitrust allegations, and Wal-Mart against a landmark $11 billion employment discrimination class action.\nThough Gibson has a bedrock foundation of litigation, it would be wrong to sell the firm short. Its well-regarded corporate department managed to grab the 5th spot in the country for value of completed M&A deals in 2008. The firm represented a conglomerate of investment firms in the largest UK acquisition in 2009, and is currently advising Kraft and Heineken on their respective multi-billion dollar buyouts of Cadbury and Mexican brewing conglomerate FEMSA.\nVault ranks Gibson number one overall in Appellate Litigation. The firm holds top ten rankings in Antitrust, Antitrust Litigation, General Commercial Litigation, Class Actions, Labor & Employment, and White Collar Defense. It has top twenty rankings in Products Liability, Securities, Securities Litigation, General Corporate Practice, and Private Equity.\nNationally, Gibson has Band 1 or 2 rankings by Chambers and Partners in Antitrust, Appellate Litigation, ERISA, Outsourcing, and Securities Litigation. In New York, it also includes Corporate/M&A and Media & Entertainment Litigation. In Washington D.C. it includes Corporate/M&A, Private Equity, and Labor. Last but most important, in California Gibson has Band 1 or 2 rankings in Banking, Corporate/M&A, Employee Benefits, Environment, General Commercial Litigation, White Collar Defense, Media Litigation, Real Estate, and Tax.\nGetting a summer position at most firms usually involves some mix of both grades and personality. At Gibson it is clearly a two-step process. First you must meet the very high threshold for grades. If you don’t have that, you simply will be unable to move on past an initial interview. Only after that does personality come into play.\nThe firm has a standard ten-week summer program in most of the domestic offices. Summer associates are expected to complete six to ten assignments over the course of the summer. Work is assigned by a coordinator, but summer associates are encouraged to seek out assignments in a variety of practice areas. Unlike many firms, Gibson summers often receive more important, substantive work assignments. However this is combined with the expectation that the work will be done perfectly. Further exacerbating the pressure is that Gibson does not always have as high an offer rate as its peer firms. In 2009, even when setting a firm record for revenue, only 89% of summer associates were given offers.\nWeekend work is uncommon, and most summer associates are out of the office by 6:30 PM. The attorney lunch budget is $35 twice a week in New York, and $25 for unlimited days in other offices. The firm hosts as many as three social events per week, with the California offices featuring fare not common in New York, such as sailing events and Catalina Island daytrips.\nThough in 2009 only 89% of summer associates received offers, it should be noted that the new 2009 associates started work in fall of 2009 as scheduled, and the firm has had no deferments due to the economic downturn.\nCompensation and Benefits\nGibson pays associates on the New York market salary lockstep scale, starting at $160,000 for a first year associate. Salaries have not been frozen during the downturn. The firm does not have an official required number of billable hours, however there is an unofficial expectation of 1,950 hours. Gibson is a follower in terms of bonuses, with associates billing around the target hours typically earning bonuses appropriate to the New York market.\nHowever while the firm maintains lockstep salaries, bonuses are individualized within each class, based on hours, quality of work, pro bono, and overall contribution. Associates billing particularly high numbers of hours can earn higher than standard New York bonuses. Billing under 1,750 hours will likely lead to a reduced bonus, and under 1,600 will mean no bonus at all (and likely be at risk for termination if a consistent issue). There is some complaint about lack of transparency in the bonus system, with reports of some associates reaching the hours goal but not receiving full bonuses, while others woefully undershot their hours but were paid in full.\nFace time requirements at the firm vary by office and partner. There is some added pressure during the slowdown to be at the office even when not billing however. The firm has no formal vacation policy, and associates are free to take as much vacation time as they want, subject to meeting client needs and billable hour targets, assuming a partner okays it.\nFirm benefits include annual retreats, weekly social gatherings, and occasional catered lunches. All associates receive an annual client development budget of #1,000, an annual book allowance, and backup childcare. Some offices have a subsidized cafeteria on site. New associates receive a starting stipend of $13,333.\nAssociates are eligible for partnership at Gibson after eight to ten years, with the firm stating the track is eight and a half years. Associates passed over on their first try get an additional chance the following year. Though most associates consider partnership a long shot, a sizable portion for such an elite firm believe it to be an achievable goal, far more than is common in most elite firms.\nTo outsiders, Gibson Dunn has a reputation as a conservative law firm with ties to the Republican elites. This is almost entirely based on the reputations of star litigators Ted Olson, former Solicitor General for George W. Bush, and Eugene Scalia, son of Justice Antonin Scalia. However this view is very simplistic, and overlooks the fact that the firm is an assembly of over a thousand attorneys spread over more than a dozen separate offices. There is no one unifying culture that can be clearly defined.\nAlthough as with any top firm, the work is difficult and demanding, associates routinely describe the firm atmosphere as respectful and cordial. It is unclear whether it is merely a result of the firm’s west coast origins, but associates in the California, Denver, and Dallas offices all describe the firm as “pretty laid back.”\nIf you are looking to join one of the best litigation groups in the country, particularly for appellate litigation, or simply want an alternative to the Manhattan lifestyle while still working on high-end corporate work, Gibson Dunn may be the place for you.\n15 Law Schools That Get the Most Transfer Students\nTop Law Schools Interview with Walter F. Mondale\nFunding Your Legal Education\nSuccess in Law School - A Unique Perspective\nHow to Succeed in Law School – Student Guide #1\nHow to Succeed in Law School – Student Guide #2\nLaw School FAFSA Code Mega-List\nIncome-Based Repayment (IBR): An Explanation\nPublic Service Loan Forgiveness (PSLF): An Explanation\nAn Introduction to “Biglaw”\nPreparing for the Patent Bar\nBiglaw and Relationships\nInterview with Tim Finchem, Commissioner of the PGA Tour\nHow to Learn to Do Well on a Law Shool Exam\nOn Self-Care in the First Year of Law School\nSuccess in Your First Year of Law School\nThe Guide to Law School Loans\nLegal Work in China\nCravath, Swaine, & Moore LLP\nKirkland & Ellis LLP\nQuinn Emanuel Urquhart & Sullivan LLP\nSullivan & Cromwell LLP\nWilmerHale (Wilmer Cutler Pickering Hale and Dorr LLP)\nDavis Polk & Wardwell LLP\nWachtell, Lipton, Rosen & Katz LLP\nArnold & Porter LLP\nBoies Schiller & Flexner LLP\nCleary Gottlieb Steen & Hamilton LLP\nClifford Chance LLP\nDebevoise & Plimpton LLP\nGibson Dunn & Crutcher LLP\nMayer Brown LLP\nMilbank Tweed Hadley & McCloy LLP\nMorrison & Foerster LLP\nMunger Tolles & Olson LLP\nO'Melveny & Myers LLP\nPaul Weiss Rifkind Wharton & Garrison LLP\nShearman & Sterling LLP\nSimpson Thatcher & Bartlett LLP\nWhite and Case LLP\nWilliams and Connolly LLP\nAkin Gump Strauss Hauer & Feld LLP\nAllen & Overy\nFreshfields Bruckhaus Deringer LLP\nFried, Frank, Harrison, Shriver & Jacobson LLP\nIrell & Manella LLP\nOrrick Herrington & Sutcliffe LLP\nPaul Hastings Janofsky & Walker LLP\nWillkie Farr & Gallagher LLP\n6 Ways to Save Tuition Money before Beginning Law School\nThe Top 11 Law Schools with High Student LSAT Scores\n4 Points to Help You Understand the Socratic Method That Law Schools Use\nDo You Have the 5 Top Traits that Can Help You Get into Law School?\nWhy Your Personal Statement Can Make or Break Your Law School Chances\nThe 5 Top Legal Internships Law Students Should Know and Pursue", "label": "No"}
{"text": "Walker and Weeks. After education at MIT, travel and work elsewhere, Frank Ray Walker (1877-1949) and Harry E. Weeks (1871-1935) came to Cleveland I 1905 to take advantage of the opportunities here especially the building of the Group Plan. Both worked for J. Milton Dyer before opening their own firm in 1911. The firm specialized in banking halls, and completed 60 of them throughout Ohio. Here they became known for their commercial, public, cultural and religious structures. Some of the well-known works include: Severance Hall (1931), Cleveland Municipal Stadium (1931) (now replaced), Allen Memorial Medical Library, (1928), Cleveland Public Library (Main) (1925) Federal Reserve Bank (1923).\nJohannesen, Eric. “A Cleveland Legacy: The Architecture of Walker and Weeks.” Cleveland Architecture 1876-1976. Kent, Ohio.The Kent State University Press, 1999\n____________Cleveland Architecture 1876-1976, Cleveland: The Western Reserve Historical Society, 1979.", "label": "No"}
{"text": "Ericsson, RealityMine and Lumi were amongst the winners of the inaugural MRMW Awards 2015 held at the Wyndham New Yorker last night. The MRMW Awards are a celebration of innovation and excellence in the market research industry and aim to recognize ... Virtual Strategy Magazine, 3 days ago\n1 images for \"About Merlien Institute Merlien Institute\"\nPRWeb The Merlien Institute is honoured to announce the nominees for the MRMW Awards 2015. The MRMW Awards are a celebration of innovation and excellence in the market research industry and aim to recognise the hard work of individuals who have ...Wall Street Business Network, 1 month ago Award season in full swing… Insites, 1 month ago\nMarket Publishers Ltd is announced as a media partner of the Market Research in the Mobile World 2015 (MRMW North America 2015) conference, held on May 19-22, 2015, in the City of New York, the United States of America. Trusted by thousands of ...BioSpace, 3 weeks ago\nAnjali serves Data Insights Professionals. Learn more ». Analyst bio Posted by on April 8, 2015 Two weeks ago, I spoke at the Qual360 conference in Atlanta, hosted by the Merlien Institute. If you follow this blog, youll know that I typically ...Forrester, 1 month ago\non your WebpageAdd Widget >Get your members hooked!", "label": "No"}
{"text": "Get Pocket-Friendly Electronics Exam Help Services\nMany students today are in the shackles of academic ‘poverty’. We seek to redeem such ones by offering affordable electronics exam help services. We aim to bridge the gap between access to funds and better performance by ensuring every dollar you pay us, counts. We also offer negotiation plans if you don’t meet the agreed payment plan.\n|45 USD Per Hour\n|60 USD Per Hour\n|90 USD Per Hour\n|120 USD Per Hour", "label": "No"}
{"text": "How to Create an Affiliate Program For Your B2B SaaS Business\nSetting up an affiliate program for your B2B SaaS business can be a great way to increase sales and grow your user base. But how do you go about creating an affiliate program that’s right for your company?\nIn this article, we’ll outline some of the key factors to consider when creating an affiliate program for your B2B SaaS company. Let’s get started.\nWhat is a B2B SaaS Affiliate Program?\nA B2B SaaS affiliate program is an arrangement between a software company and its partners whereby the SaaS company pays the partner a commission for referring customers to their software.\nThe affiliate partner can be an influencer, blogger, media outlet or even another SaaS company. The important thing is that they have an audience that could be interested in the SaaS company’s product.\nThe benefit of a B2B SaaS affiliate program is that it provides a mutually beneficial way for a SaaS company to market their tool. The SaaS company also gains exposure to new potential customers, and the partner earns a commission for helping to promote their SaaS product.\nB2B SaaS affiliate programs are not a new concept. In fact, they have been around for quite some time. However, with the rise of the internet and social media, they have become more popular in recent years. According to Astute Analytica, affiliate marketing will grow to $37 billion by 2030, up from $19 billion in 2021.\nThis growth is due, in part, to the fact that affiliate programs have become more sophisticated and targeted. In the past, companies would simply pay a set commission for each new customer.\nHow Does an Affiliate Program Benefit a SaaS Business?\nThere are several ways in which a B2B SaaS affiliate program can benefit a SaaS company:\nFirst, it can help to increase exposure to the SaaS company’s product. If the affiliate partner has a large audience, then this can lead to a significant increase in awareness of the SaaS tool.\nAffiliate programs also help in generating leads for the SaaS company. The affiliate partner will be given a referral link to the SaaS company’s website. If someone clicks on this link and goes on to subscribe to the SaaS, then the affiliate partner will receive a commission.\nA good B2B SaaS affiliate program will result in the company being able to target a specific audience, ideally their target customers. This is because the affiliate partner will promote the SaaS products to a large but relevant audience.\nA successful B2B SaaS affiliate program will lead to an increase in revenue for the SaaS company. This is because the affiliate partner will only receive a commission if they generate new customers for the SaaS company. Consequently, the SaaS company only pays out commissions when it results in new business.\nA B2B SaaS affiliate program can also help to build and strengthen relationships between the SaaS company and its partners. This is because the affiliate program will encourage communication and collaboration between the two parties. If the affiliate partner is a fellow software company, then this can lead to a productive business relationship.\nAffiliate marketing is a cost-effective way to market the product. The SaaS company only pays the partner a commission if they are successful in generating a sale, so there is no cost if the marketing campaign is unsuccessful.\nEffective Content Marketing Tool\nWith a B2B SaaS affiliate program, the affiliate partner will often create blog posts, social media posts or even videos about your SaaS product. This can help to improve the search engine ranking of the software company’s website and also generate organic traffic.\nAffiliate marketing can be easily scaled up or down depending on the SaaS company’s needs. If the SaaS company wants to increase its marketing budget, then it can simply add more partners to the program. Conversely, if the budget needs to be reduced, then the number of partners can be decreased.\nNew Traffic Channels\nAffiliate marketing can help to open up new traffic channels for the SaaS company. If the affiliate partner has a large audience, then this can lead to a significant increase in traffic to the SaaS company’s website.\nThis is especially beneficial if the partner has an audience that is not reached by the company’s existing marketing channels.\nFree Trial Users\nAffiliate marketing can help to increase the number of free trial users. This is because the affiliate partner can offer a free trial of the product to their audience. This can help to increase conversion rates as people are more likely to subscribe to the SaaS if they have already tried it out.\nIncreased Recurring Revenue\nB2B SaaS affiliate programs often result in recurring revenue for the SaaS company. This is because the affiliate partner will receive a commission every time someone they refer subscribes to the SaaS product. Consequently, the affiliate partner has a vested interest in ensuring that the customer remains a paying subscriber.\nUltimately, the goal of any marketing campaign is to increase sales. A B2B SaaS affiliate program can help to achieve this by generating new customers for the SaaS company. As long as the affiliate partner is able to generate new business, then the program will be considered a success.\nHow is Affiliate Marketing Different For B2B SaaS Businesses?\nAffiliate marketing for B2B SaaS businesses is different from other types of affiliate programs in several key ways:\n- The products are usually more expensive: The average price of a B2B SaaS product is $100-$200 per month. This is much higher than the average price of a physical product, which is around $30. Consequently, the commissions paid out by B2B SaaS companies are also higher, typically 10-20%.\n- The sales cycle is longer: The sales cycle for a B2B SaaS product is usually much longer than other types of products. This is because it can take weeks or even months for a business to make a decision about which software to purchase. Consequently, the affiliate partner needs to be patient and continue marketing the product even if there are no immediate sales.\n- There is more competition: The B2B SaaS market is crowded with thousands of companies all vying for attention. This means that the affiliate partner needs to be extra creative in their marketing efforts in order to stand out from the crowd.\n- The audience are smarter and more skeptical: The audience for B2B SaaS products is typically composed of business decision-makers who are quite sophisticated and have a lot of experience with software. Consequently, they are often more skeptical about new products and require more convincing before they make a purchase.\n- The commission structure is different: Most B2B SaaS affiliate programs use a hybrid commission structure that combines a flat fee with a percentage of the sale. This is because the products are usually more expensive and the sales cycle is longer, so the affiliate partner needs to be compensated for their time and effort.\nHow to Implement an Affiliate Program for Your SaaS Business\nNow that you know the benefits of a B2B SaaS affiliate program, it’s time to learn how to implement one. Here are the steps you need to take:\n1) Do a Research To Know Your Target Customers\nAs a B2B SaaS company, it’s important that you first do your research and know your target customers. This will help you to identify which affiliate programs will be the most beneficial for your business.\nFor example, if you sell project management software, then your target customer is likely to be a small business owner or a project manager. In this case, you would want to choose an affiliate partner who has a similar target audience.\nOn the other hand, if you sell enterprise software, then your target customer is likely to be a large corporation. In this case, you would want to choose an affiliate partner who has experience marketing to large businesses.\n2) Set up Your Affiliate Program\nOnce you’ve done your research and know your target customers, it’s time to set up your affiliate program. There are a few things you need to do in order to get started:\nChoose the right affiliate marketing platform\nThe first step is to choose the right platform for your affiliate program. There are many different options available, so it’s important to do your research and choose the one that’s right for you. The right platform will depend on factors such as the size of your business, your budget, and your needs.\nEstablish Sales Tracking\nThe next step is to establish sales tracking. This is important because it will allow you to track the performance of your affiliate partners and see which ones are generating the most sales.\nThere are a number of ways to track sales that come through your affiliate program. The most common method is to use a unique URL for each affiliate partner. This URL can be used to track the number of sales that are generated and attribute them to the correct affiliate partner.\nEstablish Payment Methods\nOnce you’ve established sales tracking, the next step is to establish payment methods. There are a few different options available, but the most common is to pay affiliates on a commission basis. This means that you will only pay them when they generate a sale.\nAnother option is to pay affiliates on a cost-per-action (CPA) basis. This means that you will pay them each time someone takes a specific action, such as filling out a form or subscribing to a newsletter.\nThe method you choose will depend on your business needs and preferences.\nEstablish a Solid Commission Structure\nOnce you have a list of qualified affiliate partners, it’s important to establish a solid commission structure. This will ensure that both you and your affiliate partners are happy with the arrangement.\nAs mentioned earlier, most B2B SaaS affiliate programs use a hybrid commission structure that combines a flat fee with a percentage of the sale. This is because the products are usually more expensive and the sales cycle is longer, so the affiliate partner needs to be compensated for their time and effort.\nYou should also consider offering bonuses or commissions for achieving certain milestones. For example, you could offer a higher commission rate for affiliates who generate a certain amount of sales within a certain period of time.\nCreate Marketing Materials\nAfter you’ve established the basics of your affiliate program, it’s time to start marketing it. This is where you’ll need to create marketing materials, such as banners and landing pages. These materials will be used by your affiliate partners to promote your business.\nIt’s important that you create high-quality materials that are effective in promoting your SaaS product. If you don’t, then your affiliate partners will likely not generate many sales.\n3) Reach Out to Potential Affiliate Partners\nOne key way to grow your software as a service business is to develop relationships with other businesses that might be interested in promoting your product. This can be done through email outreach. You can also search for affiliates on social media, such as Twitter and LinkedIn.\nWhen reaching out to potential affiliates, it’s important to keep a few things in mind:\nFirst, you want to make sure that your product is a good fit for the affiliate’s audience. There’s no point in trying to promote a product to people who wouldn’t be interested in it.\nSecond, you need to have a strong offer in place. This could be a commission on sales, or some other type of incentive.\nThird, you need to be clear about what you expect from the affiliate. Will you be providing them with creative materials, or will they be responsible for generating their own?\nFinally, it’s important to build a relationship with the affiliate. This means being responsive to their questions and concerns, and keeping them updated on your product.\nOnce you’ve found some potential affiliates, reach out to them and pitch your affiliate program. Make sure to include information about your commission rates, payment structure, and any other important details.\n4) Know the Size and Quality of the Affiliate Partner’s Audience\nOnce you have a list of potential affiliates that you think would be a good fit for your product, the next step is to make sure that their audience is sizable and of good quality.\nIdeally, you want to choose an affiliate partner who has a large audience that is relevant to your target customer.\nFor example, if you are a SaaS company that sells email marketing software, it would make sense to partner with an affiliate who has a large audience of small business owners or entrepreneurs.\nNote though that It’s not just about quantity, it’s also about quality. If the partner has a high-quality audience, then they’re more likely to be interested in your SaaS product. In order to check the quality of the audience, you can look at their engagement rates.\n5) Check Their Engagement Rate\nEngagement rate is a measure of how engaged an audience is with the content that they’re consuming. If someone is subscribed to a list, but never opens or clicks on the emails, then they’re not very engaged.\nThe best way to determine engagement is to look at the interaction that the affiliate has with their audience. For example, if the partner has a blog, check to see how many comments their posts get. If they have a large following but very little engagement, then it’s likely that their audience is not high quality.\nTo help you more in deciding, ask: Do they regularly post new content? Do they respond to comments and questions? The more engaged the partner is with their audience, the more likely it is that they’ll be able to generate sales for your SaaS product.\n6) Check the Quality of the Affiliate Partner’s Website\nWhen choosing an affiliate partner, it’s important to check the quality of their website. This will give you an indication of how well they will be able to market your SaaS product.\nFor example, if the affiliate partner’s website is poorly designed and has outdated information, then it’s likely that they won’t be able to effectively market your product.\nOn the other hand, if the affiliate partner’s website is well-designed and has up-to-date information, then it’s likely that they will be able to effectively market and sell your software tool.\n7) Inquire About the Affiliate Partner’s Marketing Strategy\nOnce you’ve shortlisted a few potential affiliate partners, it’s important to inquire about their marketing strategy. This will give you an idea of how they plan to promote your SaaS product.\nFor example, if the affiliate partner plans to use pay-per-click (PPC) advertising, then you need to make sure that they are experienced in this area and that they have a good track record.\nOn the other hand, if the affiliate partner plans to use content marketing, then you need to make sure that they are experienced in creating high-quality content that will appeal to your target customers.\nYou should also inquire about the affiliate partner’s experience in promoting SaaS products. This will give you an idea of whether they are familiar with the challenges and complexities of selling software tools.\n8) Recruit an Affiliate Partner Who Fits Your SaaS Brand\nIt’s important to choose an affiliate partner who fits your SaaS brand. This means that they should have a similar target audience and be able to promote your product in a way that is consistent with your brand identity.\nFor example, if you have a business SaaS product, then you should look for an affiliate partner who has a business audience. Similarly, if you have a consumer SaaS product, then you should look for an affiliate partner who has a consumer audience.\nYou should also make sure that the affiliate partner’s website and marketing materials are consistent with your brand identity. This will ensure that your customers will have a positive experience when they visit the affiliate partner’s website and that they will be more likely to purchase your product.\n9) Monitor your results and make changes as needed\nMake sure you set up a system where you can track the sales that the affiliate partner generates. This will help you to determine whether the partnership is successful and whether it’s worth continuing.\nSome key performance indicators (KPIs) to keep track are as follows:\n- Number of sales per affiliate: This is the most important metric to track, as it will tell you how well your product is selling per affiliate.\n- Number of clicks: This will tell you how many people are clicking on your affiliate links.\n- Number of sign-ups: This will tell you how many people are signing up for your product.\n- Number of leads: This will tell you how many people are interested in your product.\n- Conversion rate: This will tell you how many people are buying your product.\n- Average order value: This will tell you how much people are spending on your product.\n- Lifetime value: This will tell you how much revenue you can expect to generate from each customer.\n- Return on investment (ROI): This will tell you how much profit you are making from your affiliate program.\n- Customer Acquisition Cost: This will tell you how much it costs to acquire each customer.\n- Affiliate revenue per quarter or year: This will give you an idea of how much revenue your affiliate program is generating.\n- Percentage of active affiliates: This will tell you how many affiliates are actively promoting your product.\n- Percentage of inactive affiliates: This will tell you how many affiliates are no longer promoting your product.\nYou should also have a contract in place that stipulates how long the partnership will last and what will happen if either party is unhappy with the arrangement.\nIf you find that the partnership is not working out, then don’t be afraid to make changes. For example, you could change the commission structure or the type of marketing that the affiliate partner is doing. You can also try different affiliate partners, adjust your marketing strategy, or make changes to your SaaS product. OR you could also choose to end the partnership altogether.\nAffiliate Marketing Software\nThere are a number of affiliate software programs that can help you manage your affiliate marketing program. Below are some of the most popular ones:\nThese tools can help you automate tasks, such as tracking sales and affiliate payments, and managing your affiliates. They can also provide detailed reports, so you can see how well your affiliate program is performing.\nChoosing the right affiliate marketing software for your business can be a challenge, as there are a lot of options to choose from. Be sure to do your research and compare features to find the one that best meets your needs.\nFinal Thoughts about B2B SaaS Affiliate Programs\nAffiliate marketing can be a great way to grow your SaaS business. By partnering with other businesses and influential individuals, you can reach new customers and generate more sales for your SaaS company. But it’s important to choose the right affiliate partners and to have a solid plan in place.\nBy following these steps, you can launch a successful affiliate marketing program for your SaaS business. Note though that it’s important to continually monitor and adjust your program as needed in order to keep it running smoothly. Be sure to visit our SaaS marketing blog for more resources on how to grow and market your SaaS product today.", "label": "No"}
{"text": "Teaming up with the right business partners can change everything for the better.\nIntegration partners, in particular, play a crucial role in helping companies grow, expand their services, and reach new markets. But building a relationship that motivates partners to invest their time, energy, and resources is easier said than done. It requires planning and strategy.\nIn this article, we'll walk you through the steps to create an integration partner program that partners can't resist.\nSet Clear Goals\nBefore seeking integration partners, take a moment to set objectives. What do you want to achieve with this partnership? Do you aim to grow your customer base, improve your product, or tap into new markets?\nHaving clear goals makes it easier to measure the success of your partnership.\nIt provides a benchmark against which you can evaluate the impact of the collaboration. Whether it's tracking an increase in customer acquisition, product improvements, or market expansion, these objectives serve as metrics for success.\nPartnerStack does an excellent job of defining important OKRs for Partnerships and how they create alignment, transparency, and impact.\nDownload: Unlock Success: The C-Suite Support Guide for Partnership Leaders\nOffer a Tempting Deal\nIntegration partners need to understand what's in it for them. Your pitch should highlight the benefits of collaborating with your company.\nThis might mean access to a broader customer base, increased earnings, or an enhanced product.\nTo make your pitch even more compelling, leverage tools like Crossbeam and Reveal to identify shared customers and assess overlaps in potential customers.\nUsing this data, you can build a strong value proposition that clearly outlines the benefits partners can anticipate.\nIf your analysis reveals minimal shared customers or target accounts, it could indicate that pursuing an integration partnership may not be worthwhile for either party, saving you time and money.\nCreate a Partner Program that Works\nTo create a successful program, focus on being partner-friendly. Provide clear support, offer training, and make integration easy.\nSimplify your partnership terms and use the right tools, like analytics and payment systems, for efficient program management.\nBefore partners come on board, ensure you have all the necessary resources ready.\nWhen looking for partners, start within your network and expand from there.\nRemember, getting partners is just the beginning.\nKeep them engaged with a dedicated point person, straightforward onboarding, prompt payments, and marketing support. Showcase your partners on your website to build trust and mutual promotion.\nRelated Content: The Vital Role of Tech Partnerships in SaaS Business\nKeep Communication Lines Open\nCommunication is the key.\nRegular and clear communication is crucial for keeping partners engaged. It makes them feel valued and integral to the partnership's success.\nKeeping partners informed about product updates, marketing strategies, and joint campaign opportunities leads to more effective collaboration.\nAdapting to market changes is crucial for partnerships. It shows you're not just partners but savvy navigators in the business landscape.\nWhen partners see you adjusting to trends, it boosts their confidence and makes them more invested in our shared success. It's not just about surviving; it's about thriving together.\nEncouraging feedback and input creates a constructive loop, strengthening the relationship and driving commitment.\nIn simple terms, open and honest communication is the foundation of a successful integration partner experience that attracts investment and leads both parties to success.\nIncentives are important to create an integration partner experience that draws investment.\nPartners are motivated by rewards, like commissions and bonuses. But remember non-monetary incentives like recognition, exclusive resources, and marketing opportunities. These can be just as persuasive in getting partners to commit.\nFinding the right balance between these incentives is vital. Different partners will respond best to different types of incentives.\nCollaboration among integration partners is critical for crafting a thriving partner experience.\nIt's not just about routine interactions; it's about partners actively sharing ideas, feedback, and best practices.\nThis type of collaboration sparks innovation, ongoing improvement, and the sharing of effective integration strategies. It also creates a sense of community where partners feel valued and engaged.\nFor example, a tech startup could organize webinars and forums where partners openly discuss experiences and ideas.\nPartners who feel involved and valued are more invested and enthusiastic—leading to a stronger relationship for everyone.\nMeasure and Improve\nTracking partner performance is vital for overall success.\nWith analytics tools like Crossbeam, you can monitor how partnerships are doing and make regular assessments to measure various aspects of partnership effectiveness.\nBy regularly reviewing and interpreting data, businesses can gain insights into the success of their partnerships, identify areas for improvement, and make informed decisions to optimize and strengthen partnership collaboration.\nRelated Content: How the Top 10 Private SaaS Companies Handle Integrations, Technology Partnerships, and App Marketplaces\nWrapping Up Successful Partnerships\nPartnering with the right allies can make all the difference. Integration partners are the unsung heroes in business growth. To build a partnership that gets partners invested, you need a practical approach.\nWe've walked you through a strategy to create an integration partner program that partners can't resist.\nIt starts with clear goals, an appealing deal, and a partner-friendly program. But that's just the beginning.\nKeep the lines of communication open, offer incentives, promote collaboration, and constantly measure and improve.\nThese steps will help you forge partnerships that attract interest and drive mutual growth and profitability.", "label": "No"}
{"text": "Lindapter Weld-Free Steel Connectors\nLindapter offers innovative solutions to your connection requirements.\n|All standard Lindapter products are readily available from stock.|\nLindapter Type A and B clamps are used in a GC001-1 Girder Clamp Configuration to quickly and easily connect two steel I-Beams.\nThe larger Hollo-Bolt sizes, M16 & M20 are optimised for structural connections and feature a patented High Clamping Force (HCF) mechanism to produce three times more clamping force than the same sized product without the mechanism. The significance of increased clamping force is illustrated in the video below:\nWe are proud to announce the launch of our new corporate video. The video gives an introduction to our business and outlines the services we provide to the construction industry in Australia.\nAncon is proud to announce the launch of its new company and brand logos as part of its on-going evolution.", "label": "No"}
{"text": "By Saleem Sheikh\nAn effortless to take advantage of consultant to the firms Act 2006 and packed jam-packed with important positive factors, this publication offers unique remark at the new businesses Act.\nOffering a bankruptcy through bankruptcy research of the criminal and useful implications of the Act, the writer lines the historical past to the act, contemplating a number of the session files and White Papers issued by way of the govt, the proposals for corporation legislations reform and their end result within the corporation legislation Reform Act.\n- helpful checklists for the busy practitioner\n- section by means of part commentary\n- useful appendices of fabrics and extracts on an accompanying significant other Website.\nThis is a useful and convenient source for undergraduate scholars and practitioners learning or operating in enterprise and corporate legislation.\nRead Online or Download A Guide to The Companies Act 2006 PDF\nBest business law books\nThis publication surveys the best sleek theories of estate ‚Äì Lockean, libertarian, utilitarian/law-and-economics, personhood, Kantian and human flourishing ‚Äì after which applies these theories to concrete contexts during which estate concerns were specially arguable. those comprise redistribution, definitely the right to exclude, regulatory takings, eminent area and highbrow estate.\nDiplomarbeit aus dem Jahr 2005 im Fachbereich BWL - Recht, observe: 1,6, Fachhochschule Erfurt, 21 Quellen im Literaturverzeichnis, Sprache: Deutsch, summary: Die neue Insolvenzordnung, welche am 1. 1. 1999 in Kraft trat, löste die Konkursordnung, die Vergleichsordnung und die Gesamtvollstreckungsordnung ab und sorgt so für ein bundeseinheitliches Insolvenzrecht.\nTargeting paid paintings that blurs conventional felony limitations and the problem this poses to conventional different types of labour legislation, this selection of unique case reviews illustrates the big variety of other types of rules designed to supply respectable paintings. the unique case reports disguise a range of staff from throughout built and constructing nations, the formal and casual economies and private and non-private paintings areas.\nThe 1st version demonstrated itself as one of many top books to situate the problem of highbrow estate in the self-discipline of foreign Political economic system (IPE). due to the fact its ebook, highbrow estate has endured to stand up the worldwide time table, reflecting increasing curiosity within the quarter between policy-makers and advocacy teams, associated with the more and more fraught politics of the worldwide governance of IPRs.\n- Wege zur Mitarbeitermotivation: Extrinsische versus intrinsische Motivationsinstrumente (German Edition)\n- The Legality of Bailouts and Buy Nationals: International Trade Law in a Crisis (Hart Studies in Competition Law)\n- The Logic of Financial Nationalism: The Challenges of Cooperation and the Role of International Law\n- Abraham's The Forms and Functions of Tort Law, 4th (Concepts and Insights Series)\nExtra resources for A Guide to The Companies Act 2006\nA Guide to The Companies Act 2006 by Saleem Sheikh", "label": "No"}
{"text": "Submitted by Shirley\nWhen you make things like leaves for applique (things with curves or points) and you are not adept at needle turn applique, the suggestion is to put two layers of fabric right sides together, draw your design (leaf) onto the fabric, stitch around your drawn line then cut the leaf out with pinking shears. The pinking shears make indentations into the seam allowance which saves clipping curves after. Cut a small slit in the back of the fabric and turn. I usually fold a large piece of fabric and draw multiple leaves on. They are easier to sew in large form than as individual leaves. Also you can use a lighter weight fabric on the back. I’ve even used old dryer sheets.", "label": "No"}
{"text": "ESRI'S SOLUTION FOR EMERGENCY MANAGEMENT OPERATIONS\nManage the Flow of Public Information\nIn times of crisis, the swift dissemination of accurate information to individuals at risk is crucial to minimize injury and loss of life. Citizens need effective and timely communication of current personal risks:\n- where avoidable hazards are located,\n- when it is time to evacuate, and\n- where to go when evacuation occurs.\nThe most common past methods of sending out updates and evacuation information has been via standard media outlets and door-to-door interaction; however, this has not been an effective way to ensure individuals are receiving the critical information they need to gain awareness of their personal risk levels and decide how they will proceed.\nInformation without context is difficult to navigate\nIt is difficult for citizens to filter through data-packed and text-heavy updates; they need context to figure out which pieces of information are relevant for them based on their location. Esri’s detailed digital maps can help you present your critical updates in the context of location, by showing citizens in an easy-to-grasp format where they can find existing hazards, risk areas, safety zones, and evacuation routes.\nAfter flooding in winter 2019, Sonoma County provided citizens with detailed, contextual information on road closures and openings, existing landslides, and clean-up operations that may cause delays in travel.\nWebsite instability can cause delayed and false information to be publicized\nAnother typical way for command staff to quickly circulate important updates is to post the information on the organization’s website; however, during an incident, the server may experience such an overwhelming number of individuals accessing the data at the same time, that it is unable to cope with the load. The server becomes slow or entirely unresponsive, and eventually, the website crashes. This leaves at-risk citizens and information-starved media with no source for crucial updates and communication with your staff. Your authoritative voice is lost when it is most needed. In the age of social media, you need to plan on your website going viral during an emergency. Esri’s solution for public information ensures that your maps can scale to the demand that may suddenly occur in a crisis event, keeping your updates accessible to the public at all times.\nPublic information accessible from anywhere\nEsri’s technology applies your approved public information message across all platforms instantly and automatically, cutting down on labor and time needed to get up-to-the-minute updates to the public and media when they need it most. Esri takes the information that you need to share and makes it available to everyone, anytime, no matter where they are. Individuals have the same access to your updates whether they are in their house using a computer or away from home with a phone or tablet. This versatility becomes essential when evacuations become a reality, as citizens are forced to seek up-to-date details in the middle of a disaster.", "label": "No"}
{"text": "New research says that language barriers are holding back science around the world. English is widely accepted to be the language of science, but one-third of research is not published in English. This means a lot of important research is not seen or read by scientists and researchers. The research is from the University of Cambridge. Researchers said important science is being missed at the international level. They said science journals should publish basic summaries of a study's key findings in multiple languages. They also said universities around the world should translate their research into different languages, especially Chinese, French, Portuguese and Spanish.\nMany international companies are now asking all their staff to communicate only in English. They hope this will reduce language barriers. The German carmaker Volkswagen has just announced that English and not German is its official language. VW executives said the switch to English was to attract employees. The Japanese carmaker Honda has also announced that all its staff must use English by 2020. Researcher Tatsuya Amano said: \"I believe the scientific community needs to start seriously tackling this issue.\" He used the example that important research about avian flu in China initially went unnoticed by the World Health Organization because it was published in journals in Chinese.", "label": "No"}
{"text": "Last Updated on\nIn 1987, a janitor named Andrew Kromelow was working in a fabrication shop that produced furniture for Knoll. Inspired by the angular design of the furniture, Andrew started arranging displaced shop tools at right angles.\nEventually, he began to describe this routine as “knolling”. What Andrew was unaware of was that he had started a global art craze that would be popularised by his fellow employee, American sculptor Tom Sachs, who held as his mantra: “Always be knolling.”\nThese days, knolling is becoming increasingly popular across various art forms. Many people may be unfamiliar with the term, but would recognise the execution: arranging similar objects at 90-degree angles as a way of organisation.\nThe purpose of this art form is to grab the attention of the viewer, while at the same time presenting a vast array of subject matter. But knolling is about more than just tidying up a space with precision organisation.\nAlthough neatness plays a huge part in knolling, the space should also be an improvement of functionality – this is why similar objects are grouped together. The overall design of knolling is very 3 dimensional, so it has to be crafted with this in mind.\nKnolling photography can be inspiring in its artistic ability, creating portraits and patterns with the use of simple everyday objects. It’s an art form based on precision and the master “knollers” have a superb eye for detail, turning the ordinary into the extraordinary.", "label": "No"}
{"text": "Bard Center for Environmental Policy Presents\n6:00 pm – 9:00 pm\nAre today’s children nature deprived? | What are the consequences of “NDD”? | How do we reengage the screen generation?\nThis workshop will kick off with short presentations from Bard faculty members and community experts. We will then break into small round table conversations to discuss key topics relating to nature deficit disorder and how to address it among young people.\nFree and Open to the Public\nLight snacks and great conversation provided.\nDownload: BardCEP_NDD_Event (1).pdf\nFor more information, call 845-758-6822,\nor visit https://www.eventbrite.com/e/nature-deficit-disorder-a-cep-crash-course-tickets-52829213600?aff=website.\nTime: 6:00 pm – 9:00 pm\nLocation: Kline, Faculty Dining Room", "label": "No"}
{"text": "Apr 12 2013\nActs 1 and Genesis 1 have interesting similarities. Both deal with temple creation. In Genesis God creates heaven and earth to be a temple, and in Acts he creates the church to be a temple. In Genesis the building process is all about ordering and empowering. God separates dark from light, the water above from the water below, and the water below from land, and he names each so they can function. He fills the sky with lights, the water with fish, and the land with animals, and finally he creates and empowers people to rule the earth and help him name things. On the seventh day God rests. In ancient times gods rested in temples. The temple was built by worshippers and then the god was invited to rest in it. This did not mean they went to sleep, it meant their presence brought order to the temple and its surrounding community. When a god rested there was no more chaos. Genesis is telling us in the language of the day that Israel’s God built the universe as his temple and then brought his order and rule to it.\nIn Acts 1 God sets up the church as a temple. Again it is about ordering and empowering. ♦ The cross is the foundation for God’s temple. Proof that Jesus had risen and conquered sin and death brought order to a disillusioned and scattering group of disciples; Peter was reinstated, Thomas encouraged, the Emmaus pair envisioned, and the brothers of Jesus enlightened. Finally they were all commissioned to represent Jesus and take God’s rule to all the earth. Then on the fiftieth day (Pentecost) the Spirit of God rested in his new temple; the church. This rest brings order, rule and power to the church and their surrounding community.\nThe Ascension is the primary event that takes place in Acts 1. Before ascending Jesus did the necessary for his church on earth and after it he did the necessary for his church in heaven. Let’s look at four essential things Jesus did to get this new temple living and active.\nHe demonstrated that he was alive\nActs 1:3 says Jesus gave many convincing proofs that he was alive. The God-man couldn’t bring his rule and order if he were dead. These appearances were essential to those who would represent him and extend his rule to all nations. Having seen the risen Jesus appear again and again they were convinced that the he was always with them, ordering and empowering their exploits for him.\nHe cemented his leadership\nPeter denied Jesus at his arrest but before ascending Jesus reinstated him as the primary leader telling him to ‘feed my sheep’ (John 21:17). After the Ascension Peter assumed this leadership; he immediately stood up and called for a completion of the apostolic twelve by finding a replacement for Judas (15). Just as Israel was represented by 12 tribes so the church is represented by 12 apostles. Judas’ replacement had to be someone who was an eye-witness of all Jesus said and did from the time he was baptised by John till he ascended to heaven. Only 2 out of 120 qualified: Joseph and Matthias. The decision between the two equals was made by casting lots. This leadership formed a solid foundation. The world may not be into institutional religion, but it seems that God is.\nHe commissioned his representatives\nJesus told his followers to go to the ends of the earth (8). They were to take his rule world-wide just as God’s representatives in Genesis were told to rule all the earth. Straight after Jesus gave this command he ascended into heaven. And while the disciples were still looking ‘intently’ into the sky two angels appeared beside them and ask ‘Why are you looking into the sky?’(10) Were these angels dumb, or were they trying to make a veiled point? Definitely the latter; the angels obviously thought the disciples where involved in a fruitless exercise. I imagine the disciples had been staring at the spot where Jesus had disappeared for some time and they may even have been waiting to see if he was going to come down again. These angels were telling them to forget about when Jesus would return and get on with being obedient. Hello! There is a message in this. Much of the church today is focused on Jesus’ return. Believers pour their time and energy into ‘the signs of the times’ and the date of ‘the rapture’; but Jesus told his disciples, “It is not for you to know the times or dates the Father has set by his own authority” (7). The church is empowered to reach the world but it’s looking into the sky. We are empowered spectators! We watch the performance on the platform at church, we watch the performance on Christian TV, but we are empowered to hit the streets and do the stuff Jesus did. The book of Acts is called Acts because it lists the acts of the early church. They laid a good foundation. May the structure we build on top be of the same quality!\nHe sent the empowering Spirit\nJesus said the disciples would receive power when the Spirit came (8). This happened at Pentecost – the ‘50th day’ after Passover. Jesus was sacrificed at Passover and then he continued to appear for 40 days before ascending to heaven. The church then waited 10 days for the Spirit to be poured out. When the Spirit came all of them began to speak in languages of the known world. Was God trying to make another veiled point? Absolutely! He was giving them vivid confirmation that they now had the power to go to all nations. And they did. We are the proof!\nJust as God rested on the seventh day in Genesis so his Spirit rested on the fiftieth day in Acts; his order and rule was coming on earth as it is in heaven; new creation had begun.\nOther Illustrations used: Presidential Succession Photo | Dead Leaders & Accountability – Israel thinking Moses was dead.\nFeel free to comment below and share it on Facebook.\nPlease click LIKE in our Facebook fans box on the right above (below on mobile). Thanks.", "label": "No"}
{"text": "Last week I was thinking about how to capture and analyse business rules and data requirements for a current project. I’ve worked on a number of projects where the focus can often be on either rules or data, however focusing on one while leaving the other out can cause issues further on in the project life cycle. I’ve learnt this on previous Business Intelligence/Data Warehousing projects where over analysis of the data can lead analysts to start to ask more questions of the data then the end-users or owners ever wanted to ask, while key rules are not enforced.\nWhile doing some reading around the subject I came across Mary Gorman’s IIBA Spotlight Webinar on Business Rules and Data Requirements.\nBut firstly, what is a rule?\nA declaration of policy or conditions that must be satisfied…. In order to define, stream or enable our system or process behaviour. (Gottesdiener 2005)\nMary discusses 4 types of rules that can aid a BA in categorising rules and their corresponding data dependencies. These 4 rules are:\n- Term Rules\n- Fact Rules\n- Constraint Rules\n- Derived or Calculated Rules\nI am listing them below more for my own reference benefit, but hopefully others will find them useful.\nDefining nouns such as “Customer” or “Gift Card” is important. This task is not just for your glossary but for giving context to your system or process. We’re able to identify actors (Customer) from terms based rules and this helps us define the scope or boundary of the work to be undertaken.\nFact rules are a two way relationship between terms rules. For example:\n- A purchase is paid for by a gift card\n- A gift card pays for purchases\nThese can be extended to use cardinalities\n- A purchase may be paid for by one or more gift cards\n- A gift card may be paid for by one or more purchases\nAs we identify fact rules we can determine data attributes. For example:\n- A customer has an address. An address is made up of address lines, city and location.\nDefining these data types allows us to define the scope of the rule. For example we don’t want a second address line.\nConstrain rules can be used to constrain the action of a rule. In this example an expiration date is added to the gift card.\n- gift card expiration date must be equal to or greater than purchase date.\nDerived or Calculated Rule\nA calculated rule allows us to derive new attributes from existing ones. For example:\n- A gift card date is calculated from the date of activation plus 365 days.\nGottesdiener, Ellen, The Software Requirements Memory Jogger: A Pocket Guide to Help Software and Business Teams Develop and Manage Requirements. Goal/QPC, 2005", "label": "No"}
{"text": "When American marathoner Allie Kieffer crossed the finish line at the 2018 New York City Marathon on Nov. 4, securing her second consecutive top-10 finish in the famed road race, she showed that her distinctive training methods — emphasizing strength training in a sport dominated by rail-thin athletes — could pay off against the world’s best distance runners. A timely new study conducted at Ithaca College aims to demonstrate why hitting the weights like Kieffer does can make a difference for endurance athletes.\nThe study is led by Dave Diggin, an assistant professor in the Department of Exercise and Sport Sciences at the college’s School of Health Sciences and Human Performance. According to Diggin, existing research shows that strength training improves athletes’ running economy, meaning they use energy more efficiently, but little research shows why that occurs. Figuring that out could allow trainers to develop strength-training plans better tailored to the needs of distance runners. It could also help convince more endurance athletes of the benefits of strength training, which some runners still think might slow them down by causing weight gain.\n“There are going to be benefits to doing strength work,” said Diggin. “We’re trying to provide the reason why, so that athletes become a little bit clearer on what’s happening behind the scenes and how to go about it.”\nA group of 15 runners began participating in the first round of the study in September. After some baseline testing, half of the runners continued their normal training, while the other half began a strength-training regimen in the college’s Robert R. Colbert Sr. Wellness Clinic. The training emphasizes lower limb stability, hip strength and lower body strength, incorporating exercises like split squats and Romanian dead lifts. Participants are guided through the training by exercise science students Maddie McElfresh ’19 and Mark Rotondi, M.S. ’22, a certified strength and conditioning specialist.\nAfter 10 weeks, Diggin and his students administer more testing to see what’s changed. One of the tests measures the spring-like capabilities of runners’ legs to see whether they’re becoming more elastic. Another, known as a GXT test, puts runners on a treadmill to measure how efficiently their bodies use oxygen. Blood samples are also taken to test runners’ lactate thresholds.\nIn addition to providing data for the study, the testing also gives the athletes themselves valuable information to benefit their running. “A big part of what the athletes want when they come in is their training zones, which are unique and specific to them, so that it takes the guesswork out of their training,” he said.\nMany of the athletes completing the strength-training plan have already reported improvements in their running, such as faster times in speed workouts.\n“It’s important to show distance athletes that they really should strength train and get rid of the stigma that strength training might hinder their performance,” said McElfresh.\nDiggin hopes to work with a second group of runners in the spring before analyzing the data and reporting the results of the study.", "label": "No"}
{"text": "When armed conflicts reach a ceasefire, international attention often fades\naway. The process of reconstruction and democratisation does not merit the same\ninterest or coverage. In this piece I want to look at some of the peace\nactivities which take place — on both micro and macro levels — during and\nafter violent conflicts, to share some observations, to postulate some theses\nand to raise some questions.\nWars have changed\nThe possibilities for democratisation and\nreconstruction in a post-war country depend a lot on the way wars are fought.\nThe waging of war has changed a lot since the First World War. civilian\ncausalities have risen from 5 to 90 percent — innocent people with little or\nno responsibility for starting the conflict. Most wars today are within\ncountries rather than between states — the UN system is not made for internal\nconflicts and has had problems adapting to these new situations. In most civil\nwars the age of the soldiers has gone down and thousands of children — girls\nas well as boys — are recruited as soldiers. The distinction between soldiers\nand civilians as regulated by international law is not always easy to observe\nin internal conflicts. The use of mercenaries has developed enormously since\nthe end of the Cold War — these troops support either state armies or\ndifferent militias, warlords and rebels. We have also seen more and more of\nwhat have been correctly called \"sobels\" (soldier-rebels) who work as soldiers\nin daytime and raiders and rebels by night — looting the local population to\nEvery post-war country has to deal with its war veterans. In most modem wars\nthey are younger and have taken part in more brutality than in the\nAlmost every single citizen is a victim of these wars, and all of them have an\ninfluence on the building of a new and democratic society after the weapons\nhave been silenced.\nInitiatives from above\nAs mentioned, the UN system is not set\nup to deal with civil wars — during the Cold War its negotiating fiction was\noften blocked by the Security Council, and since the fall of the Berlin Wall in\n1989 it has been neither efficient nor effective inmost internal conflicts.\nThe EU, OAU, ASEAN and Nato are other international bodies which have taken\ninitiatives in recent conflicts. Their combination of carrot and stick has\nforced some parties to sign peace agreements, but often one or more of the\nsignatories never took the bulk of the agreement seriously — the ink didn't\nhave time to dry before the fighting resumed.\nAt the same time it is obvious that these international bodies have in some\ncases been able to create ceasefires -sometimes lasting — and have stopped the\nkilling of both soldiers and civilians. During the blockade of Sarajevo few\ngroups other than the US, EU, UN and Nato had the power to force the Serbs to\nstop shelling the city.\nInitiatives from below\nIn the last ten years we have seen an\nincreasing number of peace initiatives from below in war zones. In the Balkan\nconflict there were more nonviolent interventions from all sorts of NGOs than\nin any other war. At the same time we saw an enormous amount of activity from\ndomestic groups. The interactions between international and domestic groups\nhave often changed all involved the degree to which they have supported each\nother, and how they have changed each other's agendas have still to be\nresearched and evaluated. These NGOs work on the micro-level and on a wide\nrange of act' Minorities. Women's groups, peace organisations, trade unions,\npolitical parties, human rights watchers, religious groups and humanitarian\nnetworks have all had their own agendas and links in the region. Some have\nfocused on reconciliation at a village level and others on humanitarian aid. In\nthe early stages we saw a multitude of nonviolent actions like protest marches,\npublic meetings and leafleting — not all of them well prepared or supported by\nanti-war groups in the region. A number of naive actions with no strategic\ncontext created conflicts between international and local organisations.\nWhen the weapons are silenced\nIn those cases where an\nagreement has been forced on the fighting parties, inter-national bodies which\nhave taken part in the negotiating process have an obvious role in the next\nsteps to be taken. These steps include injecting finance, preparing for\nelections, setting up democratic institutions, and setting up international\nmilitary forces to monitor the agreement or to rebuild the infrastructure. Most\nof these activities are done on the macro-level and from above.\nHowever, I think that the most important tasks in any reconstruction and\ndemocratisation process have to be done from below. I realise that ceasefires\ncome from above, but without the active engagement of ordinary people no\nagreement in the world can create a just and lasting peace. I believe that the\noutcome of that work will depend a lot on what was done during the war. The\nnumber of contacts, the small-scale activities, the building of networks --\ninternational as well as local — are crucial for the emergence of the new,\npost-war society. The main fruit — good and bad — of all the work done during\nthe war will be seen in these reconstruction years.\nReconstruction from above\nWhen international organisations\ntry to implement peace and democracy in a war-torn country they always lack a\ndeep under-standing of the country's culture, history and traditions. We saw\nsuch problems when the UNJUS invaded Somalia and we have seen similar\nsituations in Rwanda and the Balkans. A combination of large resources and a\nlack of genuine understanding can create not only confusion and\nmisunderstandings, but also disastrous results.\nThe conditions under which financial support is given differ from case to case.\nThe IMF and World Bank normally give loans in order to reduce local demand and\nto devalue local currencies and rates under the terms of a \"structural\nadjustment policy\" they aim to stimulate exports in order to ensure the\nrepayment of the loan. The long-term effect is to transfer economic power from\nlocal governments to Washington. Little attention has been given to the\ndistributional effects of the economy of post-war countries, but normally the\nalready rich get richer and the poor are made even worse off than before.\nThese strong international institutions need to be balanced with strong\ndomestic ones. Democracy cannot be based on only a few powerful centres. A\npluralistic society is a necessary prerequisite for a solid democracy.\nOne enormous task in any reconstruction process is dealing with those who have\ncommitted war crimes. Different countries have dealt with this in different\nways. The Truth Commission in South Africa offered those who carried out the\ncrimes the possibility of an amnesty if they publicly helped the commission and\nconfessed their part in the crimes. The commission has been criticised for\ndealing only with those at the bottom of the pyramid and not with those with\npolitical responsibilities. Perhaps each area needs to develop its own system\nbased on traditions and political circumstances.\nWhen a country has been liberated or saved\" by military means, the military\nstructure has tended to infect' the civil administration and new\ninfrastructures. This is not necessarily the best influence for a democratic\nsociety. How can it be done differently? Can NGOs be helpful at this level? Or\nis their knowledge not very helpful to governments in periods of transition?\nReconstruction from below\nIn cases where money was given to\nNGOs the effect has often been to create a dependence on foreign funding. We\nhave seen many projects trying to satisfy donors' requirements rather than\nlocal needs. Few grant-giving foundations have emphasised the necessity for\nself-sufficiency in the long run.\nMany NGOs seem to get trapped in their own dependence on the projects they are\nrunning. They are unable to see when it is time to leave or to let local social\ninstitutions take over. Many of the organisations set up during the war years\nfear becoming \"casualties of peace\" — they will always find arguments to\nprolong their stay in the area. It is necessary to find ways of \"liberating\"\nprojects from external support.\nMoney provides power. In 1996,3000 development NGOs from OECD countries\ncontrolled and dispersed up to US$5.7 billion. This money influences the\nreconstruction process. How is that power used and how are the decisions taken?\nWe have seen too many examples of new forms of imperialistic politics in these\nThe peaceful pockets — or perhaps just less violent — created during the\nwar will be the bases for building a new civil society. All those hundreds, or\nthousands, of microlevel activities of reconciliation and peace-building must\nbe multiplied and become the foundations, bricks and mortar of the new\nHow to carry on?\nI have discussed reconstruction and\ndemocratisation from two main perspectives: from above and from below. From\nboth perspectives we can see difficulties and possibilities. From below it\nseems difficult to establish a ceasefire and from above it seems difficult to\nimplement a lasting and just peace for the civil society. Can good advice for\nthe future be extracted from the experiences we have seen over the last two\ndecades? Is every case so unique that there are no common conclusions to draw?\nOr can we find patterns that can help us develop better tools and skills to use\nin coming conflicts? How can we act during a war in order to prepare for the\nbest possibilities when peace arrives? Are there conflicting interests\nbetween the new governments and the grassroots organisations? How can they push in the\nsame direction and not contradict each other? Can we expect them to do so? Or\neven: do we want them to do so?\nJørgen Johansen is a big, cuddly Scandinavian\npacifist with a dry sense of humour. He will be facilitating the theme group on\nReconstruction and Democratisation at the WRI Triennial.", "label": "No"}
{"text": "|ISO 639-3||None (\nRussenorsk (Norwegian pronunciation: [ˈrʉsəˌnɔʂk]; Russian: Руссено́рск, [rʊsʲɪˈnorsk]) is an extinct dual-source pidgin language formerly used in the Arctic, which combined elements of Russian and Norwegian, and which was created by Russian traders and Norwegian fishermen from northern Norway and the Russian Kola peninsula. It was used extensively in Northern Norway for about 150 years in the Pomor trade. Russenorsk is important as a test case for theories concerning pidgin languages since it was used far away from most of the other documented pidgins of the world.\nAs is common in the development of pidgins and trade languages, the interaction of fishermen and traders with no common language necessitated the creation of some minimal form of communication. Like all pidgins, Russenorsk had a rudimentary grammar and a restricted vocabulary, mostly composed of words essential to Arctic fishing and trade (fish, weather, etc.) and did not particularly deal with unrelated issues (music, politics, etc.).\nBarter existed between Russians and Norwegians for 150 years in the Troms and Finnmark counties. This barter was supported by the Norwegian government, and King Christian VII conferred city status to several settlements, such as Tromsø, to facilitate it. Norwegians mainly traded fish for flour and wheat from Russians. The trading went on throughout the sunny months of the year and was beneficial to both sides; Norwegians had access to cheap fish in the summer, whilst Russians had surplus wheat. Traders came from the areas near Murmansk and the White Sea, most often to Vardø, Hammerfest, and Tromsø, sometimes reaching as far as Lofoten.\nThe earliest recorded instance of Russenorsk was in 1785. It is one of the most studied northern pidgins; many linguists, for example, Olaf Broch, studied it. Unlike equatorial pidgins, it was formed from only two languages: Norwegian and Russian. Furthermore, these languages are not from the same branch of Indo-European languages. Also unlike equatorial pidgins, Russenorsk was formed from one social class.\nUntil 1850, Russenorsk was socially acceptable for all social classes. In 1850, Russenorsk became more limited to Norwegian fishermen, whereas Norwegian traders spent more time in Russia, often formally studying the language to the extent that they could communicate in rudimentary Russian. This caused Russenorsk to lose some of its prestige.\nIn 1917, Finland's declaration of independence from the Russia caused the Russian-Norwegian border to decrease significantly. In 1919, the border disappeared completely. Furthermore, the Soviet Union limited international contact significantly, decreasing the need for the common language between Norwegians and Russians. The last such Norwegian-Russian trade occurred in 1923.\nOne of the characteristics differentiating the pidgin from jargon is its grammar. Russenorsk is mainly influenced by Norwegian grammar, leading some to conclude that it is a variant of Norwegian with some Russian influence.\nThere are no clear verb conjugations. The main indication of a verb is the suffix -om, for example, kapitan på kajuta slipom (the captain is asleep in his cabin). Nominative nouns usually end with -a. Conjunctions used to make compound sentences or dependent clauses are ja, i, and jes. Kak is used as an interrogative word. The general word order is SVO, with some alterations for questions and sentences with adverbs.\nPå is used as the only preposition for the oblique case:\n- For possession: klokka på ju (your watch)\n- For location: mala penge på lamma (little money in the pocket), and principal på sjib? (Is the captain aboard the ship?)\n- For temporal relation: på morradag (tomorrow), på gammel ras (last year).\n- For direction: moja tvoja på vater kasstom (I will throw you in the water), nogoli dag tvoja reisa på Arkangel otsuda? (How many days did you travel from Arkhangelsk [to get] here?), på Arkangel reisom (go to Arkhangelsk).\n- /h/, absent in Russian, became /g/: hav (sea) → gav.\n- /x/, absent in Norwegian, became /k/: хорошо (khorosho, good) → korosho.\n- /mn/, absent in Norwegian, became /n/: много ли (mnogo li, many?) → nogoli.\nCorpora of Russenorsk consist of lists of individual words and phrases as well as records of dialogues compiled by linguists such as Just Knut Qvigstad. The corpora include c. 400 words, of which about half are hapax legomena.\nMany words in Russenorsk have a synonym from the other primary language.\n- Balduska, kvejta (halibut)\n- Musik, man (man)\n- Eta, den (this)\n- Njet, ikke (not)\nSome words can be etymologically traced to both Norwegian and Russian, for example, vin (Norwegian) and вино (Russian). Some words have an unclear etymology, for example, tovara or vara can come from Russian, Swedish, or Finnish.\n- kralle (Russenorsk: krallom, Russian: красть, tr. krast', to steal)\n- klæba (Russian: хлеб, tr. khleb, bread)\nRussenorsk does not have extensive morphology, but has some unique characteristics. The ending -om does not come from Russian nor Norwegian, but it may come from Solombala English. The ending -mann, from Norwegian, is used to indicate nationality or profession, for example russmann (Russian), burmann (Norwegian), or kukmann (trader). Other morphological features are reduplication, such as morra-morradag (after tomorrow), and compounding, such as kua (cow) and sjorta (shirt) to kuasjorta (cowhide).\nOne characteristic syntactical attribute of Russenorsk is the tendency to move the verb to the final position when the sentence has adverbs. This is neither found in Russian nor Norwegian. Another is that the negator (ikke, njet) precedes the verb, but can be separated from the verb. This is unlike negation in either Russian or Norwegian, but it may have come from Finnish, in which this syntax was probable.\nA lack of metalinguistic awareness amongst Russenorsk speakers may have led them to believe they were speaking the language of their interlocutor; that is, that Russians believed they were speaking Norwegian and vice versa.\nR marks Russian origin, N marks Norwegian.\nKak sprek? Moja njet forsto. какR språkN моя́R нетR forståN how speak? my no understand What are you saying? I don't understand.\n- Moja på tvoja. - I'm talking in your language.\n- Kak sprek? Moje niet forsto. - What are you talking about? I don't understand.\n- å råbbåte - work\n- klæba - bread\n- Ju spræk på moja kantor kom - You said that you would come to my office.\n- Tvoja fisk kopom? - Will you buy fish?\n- Saika kopom i på Arkangelsk på gaf spaserom - I'll buy pollack and we'll swim in Arkhangelsk.\n- Kak pris? Mangeli kosta? - What is the price? How much?\n- Eta grot dyr. Værsegod, på minder prodaj! - It is very expensive. Please lower the price!\nNotes and references\n- /po/ in both languages happens to mean 'in' when referring to speaking in a language, though they are pronounced slightly differently.\n- Nordhoff, Sebastian; Hammarström, Harald; Forkel, Robert; Haspelmath, Martin, eds. (2013). \"Russenorsk\". Glottolog. Leipzig: Max Planck Institute for Evolutionary Anthropology.\n- \"Port of Tromso\". Retrieved 2014-11-08.\n- Bandle, Oskar; Braunmüller, Kurt; Jahr, Ernst Håkon; Naumann, Allan Karker Hans-Peter; Teleman, Ulf (2005). The Nordic Languages: An International Handbook of the History of the North Germanic Languages. Berlin: Walter de Gruyter GmbH. p. 1538. ISBN 3 11 017149 X.\n- \"Pomor trade\". Retrieved 2011-11-01.\n- \"Russenorsk – A Language Sketch\" (PDF). Retrieved 2011-11-02.\n- Broch, Ingvild; Jahr, Ernst Håkon. \"Russenorsk\". Retrieved 2011-11-02.\n- Serk-Hansen, Karoline. \"Руссенорск\". Retrieved 2011-11-01.\n- Kortlandt, Frederik. \"On Russenorsk\" (PDF). Retrieved 2011-11-01.\n- Belikov, Vladimir. \"Some Fragments of Russenorsk Grammar\". Retrieved 2011-11-01.\n- \"Pidgin – Russisch – Am Beispiel von Russenorsk\". Retrieved 2011-11-01.\n- Atlas języków: Pochodzenie i rozwój języków świata. Poznań: Oficyna Wydawnicza Atena. 1998. p. 146. ISBN 83-85414-31-2.\n- Broch, I. & Jahr, E. H. 1984. Russenorsk: Et pidginspråk i Norge (2. utgave), Oslo: Novus.\n- Broch, I. & Jahr, E. H. 1984. \"Russenorsk: a new look at the Russo-Norwegian pidgin in northern Norway.\" In: P. Sture Ureland & I. Clarkson (eds.): Scandinavian Language Contacts, Cambridge: C.U.P., pp. 21–65.\n- Jahr, E. H. 1996. \"On the pidgin status of Russenorsk\", in: E. H. Jahr and I. Broch (eds.): Language contact in the Arctic: Northern pidgins and contact languages, Berlin-New York: Mouton de Gruyter, 107-122.\n- Lunden, S. S. 1978. Tracing the ancestry of Russenorsk. Slavia Orientalis 27/2, 213–217.", "label": "No"}
{"text": "When teaching acting to high school and college students one of the things you are trying to get them to do is to make their performance real in terms of it being genuine and believable. This is not an easy thing to do as too often those who are training to be actors are more interested in performing, being funny, and creating a big moment on stage. One way to help actors understand and discover the power of staying in the moment and making their acting real is through the Silent Encounter. Here’s how it works.\nSilent Acting Encounter Set Up\nThe silent acting encounter involves two or three actors with each playing a character that they have been given by the acting teacher or the class. Each actor in a scene is given three basic character elements which are described by answering the following questions:\n- Who am I?\n- What just happened?\n- What do I want?\nThe “who am I” can be described by a job, relationship, or types. You might be a mechanic, banker, football player, etc. The “what just happened” question is answered by giving the character a situation that just occurred such as “I lost my wallet,” “my spouse just died,” or “I was told I have a week to live.” The “what do I want” is what we call the characters objective and it has to be expressed in an active manner. Examples include, “I want to feel safe,” “I want to die,” “I want to feel secure.”\nTo give actors a specific character you would answer the three questions, putting the elements on an index card. Thus a card might read, “Cab driver, found a million dollars, to hide it.” Another card might read, “Police officer, lost my partner in a shootout, to be comforted.” You need 20 to 30 of these for a class.\nTwo actors blindly pick index cards that contain their characters. They go off to opposite sides of the room, read their cards, and prep their characters quickly without discussing any aspect of their character with their scene partner. Usually a fairly neutral set such as a park bench works well for silent encounters.\nThe actors enter into the neutral setting as their character whenever they are ready and they then interact with the environment. They must:\n- Not speak, these are silent\n- Not mime\n- Interact in an appropriate manner with their scene partner\n- Keep their character real\n- Play each moment genuinely (no over acting, mugging, etc.)\n- Leave the environment when their character would\n- Not worry about “performing.”\nAfter each scene is over you should discuss the scene in terms of when it was real, when it was not genuine, what the class understood about each character (who they were, what just happened and what they wanted) and what the outcome of the scene was. Have the class talk about what they saw and the actors eventually discuss the scene and how it played out. Ask them if they were able to stay in the moment occasionally, a lot, or rarely and what that was like. Finally, talk about what they learned and then go on to the next scene.", "label": "No"}
{"text": "This STD develops in four stages. Symptoms in the first two can be so mild that you might not notice them. One stage -- latent syphilis -- doesn’t have symptoms.\nThe other three phases have distinct symptoms. They develop as follows:\n- Painless sores appear at the site of infection (mouth, anus, rectum, vagina, or penis). These are called chancres.\n- The sores heal on their own after 3 to 6 weeks, but you can still spread syphilis.\n- It’s easily treated and cured with medicine.\n- Rough red or reddish brown rash on palms of hands and soles of feet\n- Swollen lymph nodes\n- Sore throat\n- Patchy hair loss\n- Headaches and body aches\n- Extreme tiredness (fatigue)\nThese symptoms will go away, even if you don’t get treated. But if you’re not treated, your infection will get worse.\nDuring this phase, the syphilis bacteria are still alive in your body, but you have no signs or symptoms of the infection. You’re not contagious during this stage, but syphilis may still affect your heart, brain, nerves, bones, and other parts of your body. This phase can last for years.\nNot everyone who has syphilis will enter this phase of the infection. Some people will go into the tertiary stage.\nThis stage begins when symptoms from the secondary stage disappear. Syphilis isn’t contagious at this point, but the infection has started to affect your organs. This can lead to death. Symptoms of tertiary syphilis may include:\nWhen Is It Contagious?\nIf you have syphilis, you can spread it during the first two stages and the early latent stage to someone you have sex with. If your partner touches a chancre or your rash, they can get the infection. It can enter the body through the genitals, mouth or broken skin. Pregnant women infected with syphilis can pass it on to their baby.\nEven if the chancre is hidden inside your vagina or rectum, you can still spread syphilis. To lower your risk of catching this STD, always use condoms during sex. If you think there’s a chance you or your partner has it, get tested and treated.", "label": "No"}
{"text": "Several definitions exist for content curation but recurring phrase in all the definitions suggest that it is a process of collecting, organizing and displaying information relevant to a particular topic or area of interest. Some definitions qualify this by specifying the content is digital in nature or that it is content found on the World Wide Web.\nFor me, content curation should not be restricted to digital content. If the content that is curated is digital, then the term digital curation may be more aptly suited to describe a particular type of content curation. Therefore, the mounting of a display in a museum which contains several artifacts of a Civilisation or the Independence of a country, or a Disc jockey selecting songs which have the theme of love, or a set of digital resources on a particular topic are examples of content curation.\nAs an instructor, the ubiquity of the Internet has led to a plethora of content being made available to everyone. Some of this content is of high academic quality especially if it is peer-reviewed material and unfortunately some of the content is opinionated, unevidenced and of lesser academic quality.\nContent curation for the purpose of academic research can therefore significantly reduce the time spent by both instructors and students on wading through endless articles. Only recently, I came across an interesting article entitled “More Content Doesn’t Equal More Learning” where the author suggested teachers move away from being “content experts” and instead become “content curators”.\nTo facilitate content curation, several apps can be used. For my curated content on the specific topic of blended learning which is catered to an academic audience, I employed the use of the Storify app which has easy-to-use drag and drop features.\nI have been using Evernote app to ‘grab’ or “curate” any useful material I happen to “stumble upon” on the Internet. After doing research for this assignment, I realized I have actually been doing content curation all along with Evernote but I am nonetheless excited by the features available in Storify.", "label": "No"}
{"text": "Safe Disposal of Garden Chemicals\nA practical guide from the Crop Protection Association\n- Protect your environment, safeguard our environment\n- Gardening contributes to the biodiversity found in your garden.\n- Your actions influence our environment.\nUSE PESTICIDES SAFELY. ALWAYS READ THE LABEL. NEVER DISPOSE OF UNWANTED PRODUCT IN DRAINS, SINKS, LAVATORIES, WATERCOURSES OR DITCHES.\nWhen stored, used and disposed of safely chemical products pose little risk to people or the wider environment. This document gives advice to gardeners on how to reduce the need for disposal and how to do it safely when the need occurs.\nDisposal of Unwanted Product\nTHE BEST WAY TO MINIMISE DISPOSAL OF GARDEN CARE CHEMICAL PRODUCT IS TO USE IT IN THE GARDEN AS RECOMMENDED ON THE LABEL.\nHowever from time to time, unwanted product will be produced and incorrect disposal can lead to a risk of pollution to ground and surface waters and possibly have an adverse impact on the wildlife around us all.\nGarden care chemical products requiring disposal generally come from three sources:\n- Surplus spray solution after treating a weed, pest or disease problem in the garden.\n- Old or unwanted product that has been stored in the garden shed and is now not required.\n- Garden care chemical products that have had their official approval for use withdrawn\n(information about revoked garden products can be found on our website www.garden-care.org.uk and at\nAvoiding the need for disposal\nBEFORE USING A GARDEN CARE PRODUCT ALWAYS ASK\nTHE QUESTION - do I need to use a garden care chemical product? Some garden problems may be resolved using cultural or integrated approaches that do not require the use of garden care chemical products.\n- Check what garden care chemicals you already have before buying any new product. Do not stockpile old product.\n- Do not buy more then you need for the job. Only buying what is required avoids unnecessary storage and keeps your home tidy.\n- Consider Ready-to-Use (RTU) products where available:\n- RTUs are ready-mixed and avoid any contact with the chemical concentrate.\n- They can be stored after partial use and re-used until empty, thus avoiding waste.\n- Always use a suitable ready-to-use product if you are only treating a small area.\n- When diluting a concentrated product always read the label carefully and aim to make up slightly too little of the spray solution rather than too much.\n- Always store product safely and aim to use up within 2 years of purchase to ensure effectiveness.\nI have surplus spray solution to get rid of - what can I do?\nNever store surplus diluted spray solution between jobs. Products diluted with water are not always stable after storage. They can lose their effectiveness and become harmful to plants. Diluted products stored in unlabelled containers can pose a real danger to children and pets.\nInstead, use up the surplus diluted product by applying on areas covered by the approved use given on the product label. Ensure the recommended application rate of the product is not exceeded.\nDo not apply surplus product onto hard surfaces where it can be washed into drains and consider any risk to neighbouring property and wildlife habits. Note any precautions on the label relevant to pets and wildlife.\n- Do not dispose of near ponds, streams, marshy areas, ditches or wildlife habitats.\n- When using residual (long lasting) weedkiller products, note that there may be a lengthy period of time when re-sowing or planting is not advisible. ALWAYS READ THE LABEL.\n- If in doubt contact your local waste disposal site for advice on disposal through your local waste disposal centre.\nIT IS ILLEGAL to dispose of dilute surplus spray solution down drains, sinks or lavatories. Even a small amount of product disposed in this way can find its way into rivers and other surface waters.\nI have revoked or other unwanted garden care chemical products to get rid of. What shall I do?\nThese products need to be disposed of through the local waste disposal\nauthority (County Council or Unitary Council).\nYour Local Council can advise you which household waste sites take unwanted Garden care chemical products. Your Local Council will also advise you of any special arrangements for collection and disposal of hazardous household waste.\n- Ensure that containers are clearly labelled to assist the waste disposal operator.\n- Never mix different products together – they may react.\n- Ensure waste product for transportation to the household waste site is kept in the original container. Check the container can be properly sealed for safe transport.\n- Further advice can be obtained from the Scottish Environment Protection Agency (SEPA)\nNEVER DISPOSE OF CHEMICAL CONCENTRATE IN THE HOUSEHOLD WASTE OR DOWN THE HOUSEHOLD DRAINAGE\nWhat about empty containers?\nContainers that have held concentrated product (i.e. requiring dilution for use) properly rinsed, can be placed in household waste. The container should be rinsed three times adding the washings to the final spray solution.\nEmpty Ready-to-Use trigger sprayers can often be disposed directly into the household waste - Read the product label to check.\nImproper disposal of containers can be a hazard to pets, wildlife and the environment.\nNOTE: Garden care chemical product containers are not suitable for recycling.\nALWAYS THINK ABOUT HOW YOU WILL STORE, USE AND DISPOSE OF GARDEN CARE CHEMICAL PRODUCTS SAFELY. ALWAYS READ THE LABEL. USE PESTICIDES SAFELY\nDownload this article inPDF Format", "label": "No"}
{"text": "#MORE ON ABOUT\nSan Jose, years before it became a town was a wilderness, a veritable hunting ground for wild animals by the inhabitants of its neighboring towns. The earliest inhabitants were known as Negritos (Baluga) headed by Kapitan Danding, a Negrito convert residing in Pinagcuartelan. These early inhabitants depended mostly on hunting and fishing for their livelihood. Some hunters from the neighboring towns found San Jose as a good place for settlers due to its wide and uncleared agricultural land. The first group of settlers made some clearings (kaingin) in the outskirts of the present town.\nImportant Facts and Events that Took Place\nAt the early part of the American regime, peace and order were enjoyed by the inhabitants of the town for a short period of time. In 1902, there was an uprising by an organization named \"Sta. Iglesia\" headed by a notorious bandit, \"Apo Ipe\" (Felipe Salvador) who hid in the environs of San Jose. The aim of this organization was the nightmare of the town until Sgt. Gregorio Cadhit of the constabulary detachment of San Jose killed the notorious bandit leader.\nPeriod of Increased Responsibility\nSan Jose reared many persistent leaders; each adapted to his time, from Kapitan Municipal Don Canuto Ramos to the current First Lady City Mayor, Marivic V. Belena. These men and women who filled more than a century of exciting and eventful administration during their terms of office are worthy and deserving to be mentioned.\nList of municipal executives of San Jose City from the Spanish period up to the present.\nPolitical, Cultural and Sports Luminaries\nThe city is subdivided to the urban and rural district political areas. The urban subdivision comprises the five barangays or districts in the Poblacion (R. Rueda Sr., F. E. Marcos, C. Ramos, R. Eugenio and C. Sanchez) and the five barangays adjacent to the city proper (Abar 1st, Calaocan, Malasin, Sto. Niño 1st and Sibut). Although the area covered by the urban subdivision only consists of 10 barangays, the urban area has a total population of 58,342 or 42.26% of the total population of the city, which is 138,063 based on the 2014 update of population from the City Population Office.\nThe Official Seal of San Jose City\nIn resolution No. 69, series of 1969 of the First Municipal Board, the Official Seal of San Jose City (Figure 2) was adopted.", "label": "No"}
{"text": "Artificial intelligence and cognitive computing is being heralded as the brave new frontier of clinical IT, Kim Thomas reports on how it is already beginning to reshape radiology imaging and diagnostics\nIBM chose December’s annual meeting of the Radiological Society of North America to showcase the ability of its Watson supercomputer to rapidly analyse medical images and suggest a diagnosis. Mark Griffiths, a clinical radiologist at University Hospital Southampton NHS Foundation Trust, who attended RSNA, says he saw some “stunning demonstrations” of the technology, including chest X-rays being “reported in milliseconds.”\nWatson is an example of a technology that IBM refers to as “cognitive computing”. Using a form of artificial intelligence known as natural language processing, Watson, a cloud-based system, is able to analyse vast stores of scholarly articles, patient records and medical images. (When IBM acquired Merge Healthcare in 2015, it gained access to the company’s database of 30 billion images.) This ability to interpret written language is what marks Watson out as different from other computer-based tools used to aid diagnosis.\nNot enough radiologists to meet demand\nIn England, the volume of radiology images taken has increased at the rate of 3.6% a year for 20 years, and there are not enough radiologists to meet demand. Could Watson – and other AI tools – provide a solution to the problem of overstretched radiology departments? And – as some fear – could it replace radiologists altogether?\nMany radiologists are already comfortable with the idea of using computer-aided diagnosis. Neelam Dugar, consultant radiologist at Doncaster & Bassetlaw Hospital NHS Trust, has used Siemens’s CAD tool for detecting lung nodules, finding its detecting abilities “far superior to radiologists”, though she adds that, while its sensitivity is high, its specificity is low, so that it also “picks up a lot of rubbish”.\nThe UK firm Blackford Analysis has had success in the US market with Smart Localizer, a tool that enables radiologists to compare multiple imaging studies simultaneously. CEO Ben Panter says: “It lines up scans to allow radiologists to read them more quickly. We do that by being able to link lesion locations of any sort between current and prior scans or across modalities. If a radiologist has to track the change in five or six different lesions there’s a huge amount of scrolling they have to do and we eliminate that time.”\nAI tools ‘taught’ like a medical student and continually learn\nBut solutions such as Watson, and other similar AI tools being developed by Enlitic and Sectra, seem to offer a radical departure, mimicking the processes used by the human brain. Watson has been “taught” by experts how to interpret the reams of data it stores. Steve Tolle, global VP of imaging strategy at IBM Watson Health, explains: “We train this platform as if we’re training a medical student, through repetitive learning.”\nAs it acquires new information, Watson is able to improve its diagnostic capabilities. “What will evolve over time will be the medical literature,” says Tolle. “There’s going to be a new therapy, there’s going to be a new published article on different techniques or risk scoring for a specific disease. Watson will be able to surface those changes in the medical literature, and that’s where you’ll see the evolution of our technology. You will see accuracy and specificity of some of these algorithms improve.”\nDugar can certainly see the opportunities offered by cognitive computing. In radiology, she says, two of the most common errors are missed lung cancer and missed fractures: “I can see huge potential for improving patient care. Missed fractures and missed lung cancers will reduce substantially, and it will reduce the cost to the NHS from litigation.”\nMisinterpretation remains key challenge\nBut she is also mindful of the technology’s limitations. While she believes CAD tools can reduce one kind of radiological error (“not being able to perceive something”), she is less sure that they can help with the problem of misinterpretation – spotting something on an image but failing to identify it correctly. “We do develop visual fatigue,” she says. “There are too many images there. But what we are good at is putting together clinical history, blood results, histopathology reports and giving a diagnosis, and I think that’s a very long way away for computers.” She also notes that the use of free text in an EPR might cause problems for an algorithm – in a phrase such as “no evidence of lung cancer”, the computer might only pick up “lung cancer”.\nAI access to large validated imaging datasets vital\nWhile optimistic about the potential of cognitive computing, Griffiths points to the importance of technologies such as Watson having access to validated datasets, so that they learn when a diagnosis has been correct.\nIn the UK, he notes, large imaging datasets have been accumulated in the 12 years since PACS systems were rolled out throughout the NHS: “If we can link that properly to our electronic medical records or even with the Cancer Registry, that’s where we’re going to get to win with these powerful tools.” He sees potential in the decision by NHS Scotland to hand over 30m studies (more than two billion images) from its national Carestream PACS to the Farr Institute, a research collaboration between academic institutions and health organisations that is analysing data analytics to improve patient care.\nAI diagnosis only as good as algorithms used\nThe effectiveness of AI tools in making diagnoses can only be as good as the algorithms used to inform them. It’s an issue that Sectra, also working on an AI solution for radiology, understands all too well, says Claes Lundstrom, the company’s research director: “How we can be sure that this algorithm is still going to work when we put in a new version of the CT scanner? Or when we try to apply it to another department down the street? And that’s the very fundamental problem, and that’s where the work lies ahead. We have good core algorithms but we have to find out how to put them into a workflow context and organise the quality assurance measures that make sure we don’t arrive at these horrible mistakes.”\nWe may find out quite soon how successful Watson is when used in the real world. This year, IBM will launch two Watson-based imaging applications: a retrospective peer review tool and a patient summarisation tool. Other applications will follow in 2018. In the longer term, IBM’s plans for the technology are ambitious: Tolle says that when the imaging tool has helped diagnose a patient’s cancer, the Watson oncology tool can then identify the best treatment – and data on the effectiveness of the treatment will then be used to refine the diagnostic and treatment applications further.\nFor the present, at least, the consensus is that AI will aid radiologists, but not replace them. As Lundstrom says: “The role of the radiologist will change but it will be more like a Formula One driver kind of role. You have this extremely powerful machine but you need a very competent driver to know where to go and how to get there in the most effective and efficient way.”", "label": "No"}
{"text": "Organize, Imagine, and Act: How a Student Movement Can Become a Revolution\nAnd so it seems that the student strike in Quebec is slowing down and nearing an end, as the college – CEGEPs – in Quebec have voted to return to class, with roughly 10,000 students having voted to continue the strike, a far reduction from the 175,000 students that were on strike in late April and early May. The strike began in February of 2012 in opposition to a planned 75% increase in the cost of tuition. The students mobilized massive numbers, held mass protests, undertook picket lines at schools, expanded the issue into a wider social movement, and were consistently met with state violence in the form of riot police, pepper spray, tear gas, beatings with batons, being shot with rubber bullets, even being trampled by horses and driven into by police cars. The government enacted Bill 78, assaulting the rights to freely assemble and speak, and put a ‘pause’ on the school semester to end picket actions. Now that the school semester is starting back up again, and an election looms in the coming weeks, the students are being led away from the streets and into voting booths. The ‘Maple Spring’ has become the ‘Fall Election’.\nMeanwhile, in Chile, where a student movement that began in May and June of 2011, mobilized against a highly privatized education system, is continuing with renewed energy. There had been ups and downs of actions and mobilizations within Chile over the past 15 months, but in mid-August of 2012, the resurgence was seen as students began occupying high schools, blocking streets, and undertaking mass protests. Students who took part in the occupations were threatened with having their scholarships removed. In over a year of protesting, the students have not seen any meaningful changes to their educational system, or even inclinations that those in power were listening to their demands with anything other than disdain and contempt. The students have long been met with state violence, from the oppressive apparatus of a former military dictatorship, fighting an educational system which was established near the end of the military dictatorship. Riot police would meet students with tear gas, water cannons, batons, mass arrests, and other forms of assault. Police have subsequently stormed the high schools and arrested over a hundred students participating in the occupations. This caused the university students to get more involved, and they occupied the Universidad de Chile, which had not been occupied since the beginning of the movement the previous year (often known as the Chilean Winter).\nIn Chile, as in Quebec, protests and marches and even the right to demonstrate are frequently declared to be illegal. In both Chile and Quebec, when protests erupted into violence (which is more often than not incited by the police themselves), these are called “riots,” and they are used in the media and public discourse to portray the movements as violent, extremist, trouble-makers, vandals, and criminals. This is designed to reduce public support for the protests (which was far more successful in Quebec than Chile), and to subsequently dismiss the demands of the students. There are, in fact, a wider variety of similarities and interesting comparisons between the Chilean Winter and the Maple Spring. Chilean students and academics have even expressed solidarity with the Quebec student movement.\nWe face an issue here. The student movements don’t seem to be getting anywhere substantial in terms of establishing some sort of meaningful change. This is not to say they have not achieved anything; quite the opposite, in fact. The student movements have been successful at mobilization large numbers of people, organizing protests and indeed, in politicizing a generation, which is their most sincere and important success to date. Students have suffered under propaganda campaigns, violent repression, legal intimidation, and, most of all, the determination of an elite who view any and every minor concession as the ultimate unthinkable sacrifice which would ruin all of society. In short, elites are more stubborn than students could ever seem to be, and they have the means to hold their position and tire the students out if they can’t simply scare them away or crush them down. So, while symbolic actions and political radicalization are necessary achievements, the will to continue taking actions and the hope to manifest radical ideas becomes worn down, demoralized, and sapped of its strength. This is incredibly challenging to revive if the circumstances and courses of action do not change.\nSo perhaps it is time for a new tactic. Instead of having radicalization follow mobilization, students could begin to have radicalization guide mobilization. For any social movement to advance, grow, and become something not simply demanding reforms, or demanding something from power, it needs to provide something to the students, to the communities, and the public at large; it needs to create. This is the difference between a reformist movement and a revolutionary movement. In this context, the word ‘revolutionary’ is not used to imply a usurping of state power and violent overthrow of authority, but rather to transform on a radical scale our conception and participation in specific or all sectors of society. Thus, it is essential to provide new ideas for action, rather than discussing and debating the new terms of capitulation. It can make all the difference between a question of how little students will get from their demands, to a question of how much we can get from a new educational structure itself. A discussion of new ideas must replace – or coincide with – the articulation of ignored demands.\nHow is this possible? What might this look like?\nFor students, the fundamental issue is education. For the student movements, growth came from expanding the issue into a wider social one, and linking up with other organizations and causes. This expands the scope, and thus, the base of support for a student movement. However, established unions played a large role in guiding (or attempting to guide), fund, and organize in cooperation with student movements. While the cause of workers is an issue that must be engaged with, the established unions that have survived to this point, roughly thirty years into the global neoliberal era, have survived only because they function on a basis of cooperating with the established powers of society, the state and corporations. They are corporatist institutions.\nOver one hundred years ago, unions were extremely radical, organized, massive, and revolutionary. The actions and ideas of radically organized labour were the impetus for 8-hour work days, weekends, pensions, job security, benefits, an end to child labour, and much more. Unions subsequently faced roughly a century of battering, violence, co-optation, and destruction. Those which remain are not radical, but only slightly reformist. I say ‘slightly’ because they do not mobilize to fight for new ideas or issues, but only to protect and preserve the reforms previously implemented as a result of radical labour agitation. Thus, union representative serve as a buffer for the blunt force of the state and organized capital and corporate interests which consistently seek to undermine and exploit labour. The major unions typically serve to soften the blow against workers as the elite bring down the hammer. Under this system, all rights, benefits, security and protections are slowly and inevitably worn down and thrown away. When the established unions provide funds and direction for the student movements, they tend to steer them away from radical or revolutionary paths, and promote a highly reformist direction, and which can only be undertaken through negotiation with and capitulation to the state and corporate interests. This gets us to where we are.\nWhen it comes to engagement and interaction, solidarity, and cooperation with labour, it should, in fact, be the more radical – and radically organized – students who lead the unions back to a more radical direction, to take them back to their origins when they achieved successes instead of softened failures. If they refuse to follow a radical direction, then students should encourage and attempt to find means of supporting the organization of new labour organizations: provide assistance, direction, ideas and physical and moral support. Students could be mobilized into the streets for workers’ rights as well as educational rights.\nThe main point here is that for a movement to radicalize and become revolutionary, it must cooperate with, support, and be supported by other radical and revolutionary organizations and movements. If the more dominant force is reformist, established, and corporatist (by which I mean its functioning ideology is accepting of the state and corporate dominated society), then these organizations will attempt to co-opt, direct, and steer your movement into an area ‘safe’ for the elites, if not altogether undermined and eliminated. It is not necessarily done out of an insidious desire to destroy your student movements, but rather the result of an insidious ideology embedded within the very functions of their organizations. Thus, integration, mutual support, dependency and interaction with other social movements must take place at a radical and revolutionary level if you are to sustain that potential and desire within your own movement. It’s unfortunate, because it’s more difficult; but it’s true, all the same.\nTherefore, what is required are radical ideas of organization: for the student associations and other associations they interact with to be more accountable, directly, to their constituents. Instead of elected delegates or representatives making all the decisions (which is how our governments function), the decisions must be made by the constituents, and the representatives merely carry them out and organize accordingly. The student associations in Quebec and elsewhere function more along these radical lines, while labour and other groups typically do not. If student associations do not function in this manner, that is the first issue which must be addressed: either demand the associations to change, or create new ones and thereby make the unrepresentative ones obsolete. Thus, for a student movement to become revolutionary, the first step is the radicalization of organization.\nNow onto something more interesting: how to radicalize ideas and actions in education itself. This next step is about the radicalization of action. While the first step, in many instances – the radicalization of organization – had been achieved in several of the student movements, the actions themselves lacked radicalization. The actions were largely confined to mass demonstrations, picket lines, school occupations, and youth rebellion against state violence and repression. These are all important actions on their own: establishing solidarity, power in numbers, a public presence, a demonstration of will and power, the development of ‘self-esteem’ for a social movement. These are necessary, but if the actions do not evolve, the movement itself cannot evolve. Thus, what is required at this point is a discussion of new ideas of action. Typically, as is the case at the moment in Quebec, students are being told to stay out of the streets and go to the voting booth, where “real” change can be made. This is illusory and useless. Unless there is a radical party, the best that can be hoped for is to delay the inevitable assault on education, or perhaps achieve a minor concession, which would likely be more of an insult than incentive.\nNew ideas of action must come from the students themselves, and there are a number of initiatives that could be discussed and undertaken. Fundamentally, instead of demanding from power, create something new. If education is what you want, begin to do it yourselves. In the case of a school occupations, why should the students not simply begin to have discussions on issues, share knowledge, invite professors, academics, and others who are supportive of the movement to come talk and share their knowledge?\nThis does not need to only take place in occupied schools, though that would be quite symbolic, but could essentially take place in any public space. It would function as a type of grassroots educational system, designed to share and expand knowledge, not to prepare you for the workforce. Job opportunities are already vanishing everywhere for youth, and they will continue to do so as the economic crisis gets worse. These types of educational forums could potentially be designed to educate and share knowledge on issues of relevance to the student movements themselves: the history of education, protest and social movement history, political power, repression, the economic system – Capitalism, neoliberalism, etc. This could – and should – expand into much larger issues and areas of knowledge, including arts, the sciences, philosophy, etc. There are already people within society who have gained their knowledge through educational institutions, and thus, there are already people from whom to draw this knowledge from in a new forum, and in a new way.\nTo give an example, imagine a ‘class’ (or forum) on the history of social struggles. First, a physical space is required, so to set up in a park, public venue, rent a space, or occupy a space (such as a school lecture hall). The students should have previously discussed – likely through social media networks – which intellectuals and individuals they would like to invite to come speak to them about the issue. The invited speakers would share their knowledge on the history of social struggles, promote discussion, debate one another, and engage directly with the students. For every invited outside speaker, a student should be invited to speak also, to share their own knowledge and engage on an equal basis. The notion that students are there only to learn and not teach is an incorrect one, and it’s a misnomer that should be addressed and acted upon.\nThe public at large should also be accepted into these educational forums. The point should be to expand knowledge and discussion among the general population, not merely the students. But the students are the ones capable of providing this forum for the population at large. To add to this: such forums should be broadcast through social media, filmed and recorded, watched online both live and archived. Students could organize ‘subject collectives’, perhaps having a group of students organized along the lines of the larger student associations (through direct democracy), who would oversee the organization of each subject or issue: history of social movements, political economy, media studies, etc. Each ‘collective’ could establish its own website, where the wider community would be encouraged to engage, support, recommend speakers and issues and venues, watch archived or live-feed forums, debate in online forums, be notified of events and speakers, and be provided with educational material, reading sources, etc. The students could write papers which would then be posted publicly on such sites, to promote discussion and to actually use the knowledge instead of writing papers for a grade, which is a rather absurd notion. These sites could have news sections, providing relevant news and developments from around the world related to their issue. The collective itself – both within the community and online – then becomes a forum for the development and extension of knowledge to a much larger sector of society, locally and globally.\nThis is where the actions become even more important. For a social movement to survive and expand into a revolutionary movement, it must not isolate itself, and must engage and interact directly with the wider population. The best way to do this, and one which has the added necessary effect of increasing the movement’s support among the population, is to provide a service or need. In the case of a student movement: that need is education. Merely ‘opening up’ forums to the public may not be enough. Students or ‘subject collectives’ could individually organize smaller meetings and discussions, in neighbourhoods and venues all over the city, region, or country, where students themselves speak with and to the public on issues in which they have been getting their education.\nIn Quebec, where students have been consistently framed by the media and elites as “entitled brats,” this tactic would be a means to share our so-called ‘entitlements’ with the wider population, and at no cost to them. Thus, as students gain knowledge, they share knowledge with others. For example, a couple history students could hold a small forum at a cafe or in a small public location which they had promoted within the neighbourhood and on social media for people to freely come to listen and engage in a discussion about a particular history topic. Of course, knowledge in such circumstances should not simply be abstract or obtuse, but relevant to those who are engaging with it. So if the discussion is on a ‘history of social movements,’ students should share knowledge on this, but make it relevant to the current social movement, to the social conditions of the wider population, and ask questions and engage with others in the venue: to promote discussion and debate. Thus, instead of the public viewing students as ‘entitled’, they may come to view students as ’empowering.’\nThis type of tactic would especially have to be employed within poor communities, and oppressed communities, where students would have to be willing to listen and learn more than they would be inclined to speak and teach. This is because many student movements, simply by their position as being students, generally come from a more privileged sector of society than the really poor, minority, immigrant, or otherwise oppressed communities. These sectors largely remain in the sidelines of the student movements themselves. This must change, and for a very fundamental reason: there is a great deal to learn from these communities. Oppressed peoples have experienced and known for a much longer period of time what the majority of students are only just starting to learn and experience: the true nature and interest of power, the violent and oppressive state apparatus, the underbelly of the economic system, the reality of social existence for a great many people. In short, it would be a means through which to educate the students on deeper issues of social strife, by listening and speaking directly to and with those who exist within oppressed social spheres.\nBut there cannot be any taking without giving. So while oppressed communities may perhaps be willing to share their own knowledge with students and engage in discussion and debate, the students must provide something back to these communities. There is a very simple way to get this started: ask them what they need most in their communities. For example, if one community cited the cost and quality of food as a central issue, students could then leave the first meeting with the community with the intent to organize and plan around this issue. The students could hold their own discussions, meetings, debates, and share ideas on how to help resolve this specific issue within that specific community, and then propose various ideas to those community leaders. The ideas would be subject to critique, dismissal, support, etc, to go back to the drawing board with new suggestions or to get to work, putting action to the ideas.\nSo with the issue of food, for example, students could perhaps organize around the idea of establishing a community food garden, proposing it to the community, and, if approved and critiqued, they could find an area of land, get the support and materials they need, and work with members of that community to plant and establish such a garden, to help move toward some form of food sustainability, provided either free or cheap to those within that area. Potentially, there could be a student educational association which specialized in sharing knowledge about nutrition, horticulture, etc., and they could be brought in to share their knowledge, help in the endeavour, or even make it a staple feature of their functioning: to go to different communities to help establish food sustainability.\nThese are, of course, just ideas of actions, there is no reason to follow this specific outline. This is meant to merely promote the discussion of this concept: the actions, organizations, and objectives which would result from a radicalization of action are likely to be far more varied, interesting, and effective than these mere suggestions. However, I used these examples of actions and ideas to show how a student movement protesting against something (such as a tuition increase), can become a revolutionary movement for something.\nThese actions are revolutionary because they force people to question and reconsider their conceptions of education, its manifestation, its purpose, its institutionalization, philosophy, etc. The actions themselves engage directly with people, drawing from and providing to the population as a whole. This increases support among the population, but also greatly strengthens the ideas and actions of the students themselves. At such a conceivable point, it could not be called a ‘student movement,’ but could only be identified as a much wider social movement, which would help radicalize the wider society itself, which would in turn provide new ideas and actions to the students; solidarity in both words and actions.\nThese actions are revolutionary because they attempt to maneuver around power structures instead of expending all of their energy on directly battling the power structure itself. By going around the power structure – around the state, the schools, the corporations, etc. – the students would create a parallel educational structure within society, making the existing one increasingly obsolete. As this is done, the bargaining power of the state and other structures is reduced, because the students no longer rely exclusively upon them for an education. The state would most certainly attempt to repress such a movement, or perhaps even to offer much larger incentives, concessions, or even meet the previous demands of students in order to get them back in the schools and within an educational system that power controls. The state is well-established to deal with direct confrontations: that’s what police, armies, guns, badges and lawyers are for. It doesn’t matter who you are, what you’re demanding, or where you are demanding it, the state can simply tear gas you, scare you, disperse you, and wait you out. But to move around the power structure, and to create and establish something new, not under the control or direction of established institutions of power, the power structures become very nervous and insecure.\nIt would be foolish to think that the power structures would not respond with more state violence than they have up until present, they most certainly would. The primary difference, however, would be that the public support for the movement would have conceivably exploded, and in the case of increased violence, it would explode in anger and opposition to the state. In short, while the state would be likely to increase its tactics of intimidation and violence, the public response would likely be far more powerful than anything we have seen thus far. We saw an example of this in Quebec, when the government passed the repressive Bill 78 and a much larger segment of the population was mobilized in opposition to the government. However, this has now largely faded, and again, it’s about the difference between mobilizing against something and mobilizing for something. It’s the difference between opposition and proposition, demand and action.\nThe fundamental idea which I am arguing is that for a student movement to become a revolutionary movement, it must transform its demands of education into actions for education. If the issue is education, the answer is education. The inability of the student movements to have their demands met reveals a deeply-ingrained flaw in our society: that an institution does not reflect or respond to the demands of its supposed constituents. This fact makes that institution illegitimate. This flaw further manifests itself across the entire society. If the government itself, which is supposedly ‘representative’ of the people, does not reflect the intentions and interests of the population, then it is illegitimate. Most institutions do not even have a means for their constituents to have a say in who runs the institutions themselves. Some, such as governments or unions, may have elections in which people can choose candidates, but then all the other decisions are taken out of their hands. Other institutions, such as schools, corporations, banks, media, etc., do not even have a means for constituents to select leadership, let alone direction and action. University boards are populated with bankers, former government officials, corporate executives, foundation officials, and other established elites. Therefore, universities are geared toward meeting elite interests under their direction. This is flawed and wrong. Though, because most institutions function in this way across wider society, it tends to go unnoticed and is simply accepted as “the way it is.”\nStudents must now ask: Does it have to be this way? What other way could it be? What should change? How could that change? What is the intent of education? These questions lead to other, larger questions about the society as a whole, and, as a result, they make necessary the wider radicalization, organization, and revolution of society itself. It is a rather large idea, but I think it is also a logical one. As the economic and social circumstances for most people continue to deteriorate in the near future – and perhaps rapidly so as the global economic crisis accelerates – such ideas and actions will become all the more necessary and will generate much more support.\nSince the beginning of the global economic crisis in 2007 and 2008, the world has seen a rapid acceleration of resistance movements, protests, and revolutionary struggles. The world is rumbling awake from a long lost slumber of consumption and consent as the situation of crisis reveals deep flaws in the structures, ideology, and actions of power. We are witnessing the rapid proliferation of global resistance movements, but it requires much more for them to become global revolutionary movements. It has only begun, but it requires new ideas and actions to move forward. It would potentially be very challenging to begin such actions now, but in the very least, student movements should begin to advance the discussion, to debate the direction, and to incite new ideas. These are, after all, the skills that an education is supposed to provide us with.\nPerhaps it is time to put our education to use.\nAndrew Gavin Marshall is an independent researcher and writer living in Montreal, Canada. His website (www.andrewgavinmarshall.com) features a number of articles and essays focusing on an analysis of power and resistance in the political, social, and economic realms. He is Project Manager of The People’s Book Project, and is currently writing a book on the global economic crisis and resistance movements emerging around the world. To help this book come to completion, please consider donating through the website or on Indiegogo.", "label": "No"}
{"text": "A computational fluid dynamics (CFD) study was carried out with data comparison to provide guidance for the control of open shock tube wave expansion to simulate field blast loadings for the conduct of biomechanical blast overpressure tests against surrogate test models. The technique involves the addition of a diffuser to the shock tube to prevent overexpansion before the shock wave impacts the test model. Mild traumatic brain injury (mTBI) has been identified as the signature injury for the conflicts in Iraq and Afghanistan, and blast overpressure from improvised explosive devices (IEDs) has been hypothesized as a significant mTBI risk factor. Research in the understanding of the mechanism of blast induced mTBI has been very active, which requires blast testing using animal and physical models. Full scale field blast testing is expensive. The use of shock tubes is clearly a viable cost effective laboratory method with many advantages. CFD simulations with data comparison show that without a diffuser, the shock wave exiting the tube tends to over expand producing an incident waveform with a short positive duration followed by a significant negative phase that is different from a Friedlander wave. However, the overexpansion effects can be mitigated by a diffuser. Shock tube tests also support the simulation results in which a diffuser improves the waveform from the shock tube. CFD simulations were validated by shock tube tests.\nUse of Shock Tubes for Blast Testing\n- Views Icon Views\n- Share Icon Share\n- Search Site\nWhang, C, Chilton, W, & Chan, P. \"Use of Shock Tubes for Blast Testing.\" Proceedings of the ASME 2013 International Mechanical Engineering Congress and Exposition. Volume 3A: Biomedical and Biotechnology Engineering. San Diego, California, USA. November 15–21, 2013. V03AT03A052. ASME. https://doi.org/10.1115/IMECE2013-63027\nDownload citation file:", "label": "No"}
{"text": "Stoplights are everywhere. They tell us when to go, pause, or stop. But why are stoplights red, yellow, and green? Let’s find out!\nWhy Are Stoplights Red, Yellow, and Green?\nIn the 1830’s, railroads were being constructed at a rapid pace and it became apparent that traffic signals were needed. Engineers began brainstorming and came up with a three color light system: white meant go, green meant caution, and red meant stop. Due to its wavelengths, red can be seen at a farther distance than any other color on the spectrum, which is why it has historically been used to signify danger. Green is said to have been chosen because it is easily distinguished from red.\nThis system worked fairly well until train conductors started running into issues with the white “go” signal. In one accident, a red lens fell out, exposing the white light behind it. This led to a train running a “stop” signal, and crashing into another train.\nAfter these incidents started piling up it was clear that a change in colors was necessary. They slightly altered the system so that green signified go and yellow meant caution, since yellow is the second most visible color on the spectrum. Interestingly, for a while, yellow was the chosen color for stop signs since red proved difficult to see in low lighting. Once reflective technology came out, however, stop signs were painted red, but yellow can still be found on school buses and warning signs.\nThe First Lights for Road Traffic\nThere were many inventions all over the world that took place before the international traffic light system that’s used today. One such invention was created in London 1865 due to concern over horse-drawn traffic interfering with pedestrians. A man named John Peake Knight sought to solve this issue with the use of a semaphore system.\nA semaphore is a structure with colored arms that would be lowered or raised by a police officer to control traffic. At nighttime, the semaphore would flash either a red or green light instead of using the arms. This system was implemented in London and worked well for about a month. One day, however, one of the gas lines that supplied the lights began to leak. The policeman operating the device was unaware of the leak and was severely burned after the lamp exploded on him, ending the semaphore system.\nIn the U.S. during the early 20th century, there was a slightly different system in place. Watchtowers had been constructed all over the country for policeman as they used their whistles to guide the flow of traffic. In 1920, a policeman named William L. Potts sought change and invented the three color light system using red, yellow, and green. Detroit was the first city in history to use these lights to control traffic.\nWhat Came Before the System We Have Now?\nInventors all over the country continued to create different mechanisms for road traffic since the three color light system had not yet made its way to all of the states. The majority of these designs required someone to push a button or flip a switch to change the color of the light which made them very costly.\nIn the late 1920’s, automatic signals were invented and allowed the lights to change at different time intervals. This meant, however, that some cars would be stopped even when there were no other cars in sight. To counter this, one inventor came up with a signal that could detect a car honking its horn. A microphone was mounted on a pole at the intersection that would change the light when a car honked. To prevent people from honking continuously, they created a ten second wait interval after each light change. This was obviously quite annoying for anyone within hearing range, and was considered one of the less favorable stoplight inventions.\nHaving different systems proved to be a major problem for cars traveling through multiple areas. It was possible to encounter several systems in a single drive which caused a lot of frustration. In 1935, the Federal Highway Administration created The Manual on Uniform Traffic Control Devices. This manual set a standard for all traffic signals, road signs, and pavement markings that we see today.\nHow the System Works Today\nToday, these traffic systems sometimes use lasers or rubber tubes, but the most common is the inductive loop method. This method requires grooves to be cut in the roadway at the stop line of traffic lights. It’s a common belief that these grooves sense the weight of a vehicle, but actually there is a loop that detects change in the magnetic field. When a car enters the field the inductance rises and tells system there’s a car present.\nRed, yellow, and green have become universal for stop, pause and go, and are meant to be visible in all types of weather. Today, this system helps create order and safety on increasingly busy roads.", "label": "No"}
{"text": "Written By Clare Scott Via 3DPrint.com\nIn the Neolithic era, Japan was home to a culture of people known as the Jōmon. A race of hunter-gatherers,the Jōmon are known for their distinctive pottery, which is, according to experts, the oldest pottery in Japan. The pottery, made with unrefined clay and decorated by pressing rope into the surface of the clay before firing, has been found in numerous archaeological sites across Japan. Radiologic dating has shown fragments of the pottery to date back as far as 12700 BCE, though many researchers theorize that it was made even earlier than that time.\nIt’s amazing that anything that old survives today, and it’s even more amazing that some of it still remains whole. James Koyanagi, a retired architect in Burlington, Ontario, is the owner of a Jōmon vase that dates back to 4000 BCE. Such an object leaves researchers salivating, but due to its extreme age and fragility, close study of the vase hasn’t been possible without incurring damage. Until now, that is.\nMohawk College in Hamilton, Ontario is home to the sophisticated Additive Manufacturing Resource Centre (AMRC). Opened in 2014, it’s already established a reputation for being one of the best sources of 3D printing and additive manufacturing research and education in Ontario. Mohawk professors Reid Flock and Robert Gerritsen decided to take advantage of the facility to recreate Koyanagi’s vase in perfect detail.", "label": "No"}
{"text": "Ancient DNA generally preservers in form of short fragments comparable in length with length of read made by modern sequencers. Therefore, it could be useful to merge overlapping paired-end reads of short fragment into single sequence. A special tool called BBMerge can help us with this task.\nIn this tutorial we will work with reads of thousand year old tuberculosis strain, which was explored during this research. You can download original files here, but in this tutorial we will work with a small subset of these reads to make processing faster. You can download smaller files using this link.\nLog into InsideDNA application, navigate into Files tab and create a folder called Ancient tuberculosis.\nUpload files with reads into this folder.\nWe will use fastqc tool to check out the quality of our raw data. To run this tool, navigate to Terminal Tab, connect virtual Terminal and enter the following command into it:\nisub -t fastqc -c 4 -r 3.6 -e \"/srv/dna_tools/fastqc/fastqc\n/data/userXXX/Ancient_tuberculosis/R2.fastq -o /data/userXXX/Ancient_tuberculosis/\"\nHere and further you should replace XXX with your own userID, which you can find in the header of Terminal tab.\nPress Enter to submit your task.\nThis task will produce fastqc reports for both files with reads and save these reports into Ancient tuberculosis folder. You can monitor progress of your task in Tasks folder.\nWhen fastqc has done its job, you can move onto Files tab and Ancient tuberculosis folder and download files with reports – R1_fastqc.html and R2_fastc.html. Open these files in any browser and explore their content.\nThe main problem with these reads is the contamination with adapter sequences, which we need to discard. We will use trimmomatic tools for thispurpose. Additional use of this tool is the separation of paired reads from unpaired ones, which are often present even in files, obtained as paired-end reads. For bbmerge tool we need to have only reads with pairs.\nTo clean up reads from adapters we need file with Illumina TrueSeq adapters for paired-end reads. Which you can download here. Upload this file into Ancient tuberculosis folder.\nEnter the following command for trimmomatic tool into Terminal:\nisub -t trimmomatic -c 4 -r 3.6 -e \"java -jar /srv/dna_tools/trimmomatic_0.33/trimmomatic-0.33.jar PE -threads 4 -phred33\nWhen the task is done, you will find files with processed reads in Ancient tuberculosis folder. We will take ones with index “paired” as input for bbmerge tool.\nTo run bbmerge, enter the following command into Terminal:\nisub -t bbmerge -c 4 -r 3.6 -e \"/srv/dna_tools/bbmap-36.02/bbmerge.sh\nWhen this task is finished, file merged.fastq in Ancient tuberculosis will contain merged reads. You can view the statistics of merging by running the following command via Terminal:\nAs you can see, in our case about 70% or input reads were successfully merged, which is a rather good result.\nWell done, now you learned some basics of ancient reads processing!\nFollow us on Facebook and Twitter to be the first to read our new tutorials!Run this tool More tutorials", "label": "No"}
{"text": "During World War One, Marxists thought that the brutality of the war along with the class structure of the military would cause Marxist revolutions throughout the Western World. Instead only Russia went communist. Ironically, Russia did not have an industrial economy, and was the only country that they did not think would go communist.\nPerplexed, some of the top communist thinkers settled in the 1920s at Goethe University, in Frankfurt, Germany, where they studied the ‘problem’. They found several things.\nFirst and foremost they found that the West had a highly individualistic culture that was incompatible with collectivist ideals. They also found that Western societies were far too wealthy to want to change cultures. In America even that long ago for example, almost every family had a car…\nThey considered the wealth of the people, rich and poor alike, a problem because they put the ideology of communism ahead of the wealth of flesh and blood people.\nThey also came up with what they considered a solution, which they called ‘Critical Theory’. Critical Theory says, in a nutshell, that because of the relative wealth of the west, it will be impossible to get the proletariat to rise up against the bourgeoisie, and thus class warfare is not a viable thing to press for.\nThey threw out the notion of the rich oppressing the poor, and instead started slicing society into ever smaller slices, each of which was turned against the German culture. Jewish people were the obvious first choice.\nWhen Hitler came to power, largely as a counter-weight to Critical Theory, he oppressed communism. The Frankfurt School fled, primarily to the United States, where they entrenched themselves in American universities.\nThey made only small inroads until the Vietnam War. Then, with the turmoil of the late 60s, their teachings began to catch on. Also, a new generation of writers and theorists emerged, such as Saul Alinsky. The new generation focused more on the implementation of Critical Theory, with books such as Alinsky’s Rules for Radicals.\nJewish people were not the most obvious group in America to turn against the societal culture. Rather, African Americans were, and this is where they started. The concept of ‘white privilege’ was born.\nHillary Clinton, in the meantime, who was a close friend of Alinsky (she called him her ‘mentor’), came up with the idea of flipping Rules for Radicals on its head. Alinsky’s book was about using social agitation to strangle government. Clinton came up with the idea of using government to strangle society into agitation – using Rules for Radicals ‘from the inside’.\nThe Reagan Revolution put a damper on Cultural Marxism, but then when Bill Clinton became President, Hillary Clinton was able to start using and honing her techniques.\nWhen Dubya became President, we had another remission, but then Obama became President, and he was another Alinsky follower. As much as Obama and HRC hate each other, they have the same basic ideology, and after he won the Presidency, she became SecState, and the two worked on Cultural Marxist ideals.\nInternally, suddenly ‘privilege based oppression’ has now spread far further than ethnicity. In addition to white people oppressing ‘people of color’, we are told that men oppress women, that straight people oppress gay people, that sys-gendered people oppress trans-gendered people (and all other supposed genders, of which there are now 54 in New York), Christians oppress non-Christians and particularly Muslims, healthy people oppress fat people, and on and on and on. Each supposedly oppressed group is told that our society and its culture are the reason they are oppressed, with the obvious goal of destroying that society and its culture.\nThe destabilization of the Islamic world in the meantime, leading to the largest migration of people in human history, from the Islamic world into Western Europe, may be looked at from a different light. It was intentional, and the goal to destabilize and destroy Western European culture.\nAmerica is a tougher nut to crack. We are not yet as far along as Europe is, but we are in the cross hairs too, and though a Trump Presidency might slow things down, Cultural Marxism is not going anywhere. They will be very vocal for the next four years, and will then try to put another of their leaders into the White House.\nThe end goal of all of this is a communist world government.\nIt is important to note that the ‘theory’ part of ‘Critical Theory’ is not that the majority ‘in power’ will always utilize their freedom to oppress the minority. The actual theory is that if you can get a society to BELIEVE this nonsense, then the society and its culture will collapse. The notion that any majority ‘in power’ will invariably be oppressive is a necessary underlying assumption, and this assumption makes freedom the primary cause of oppression.\nEarly Cultural Marxists had plenty of examples of majorities oppressing minorities, and of minorities ‘in power’ oppressing majorities (hence the need to say ‘in power’ all the time), but they also realized that there were far more examples of majorities and minorities getting along. Furthermore, they realized that oppression was almost universally grounded in law, which was a clear indicator that the people, if left alone, tended to become less oppressive over time.\nThe people who wrote Jim Crow laws did not write them because they thought the white people of the time were overly racist, but because they were concerned that white people were not racist enough. Jim Crow laws forced people to act more racist than they otherwise would.\nSimilarly with homosexuals, while most of society may have looked down on homosexuality in the past, most of the actual oppression was caused by the fact that homosexual behaviors were illegal.\nThe underlying nature of oppression is not in freedom, but in law. Law restricts freedom, and free people tend to become less oppressive over time. This is exactly the opposite of what Critical Theory needs people to believe, and Cultural Marxism cannot exist without Critical Theory.\nCritical Theory is wrong. It cannot stand up to critical analysis, and the early Cultural Marxists knew it.\nLuckily for Cultural Marxism, the early Cultural Marxists had a brilliant solution: Political Correctness.\nPolitical correctness is the notion that only an oppressed group has the right to discuss its oppression, and that any oppressed person who questions their oppression is a traitor to their group. Critical analysis of Critical Theory is thus rendered impossible without becoming politically incorrect, and anything that is not politically correct can be dismissed out of hand.\nThere is a reason social justice warriors shout down their opposition rather than trying to reason with them: reason is not on the side of the social justice warrior. Political Correctness is supposed to be a replacement for factual correctness, forcing the public to believe what is ‘proper’ such that it will ignore what is true. Reason works with truth, so the Social Justice Warrior must use emotion rather than reason.\nWe see Political Correctness all around us, in society at large, and even in the media. How for example do we know that the Russians have dirt they can use to extort President Elect Trump? Because a ‘potentially credible source, paid by the DNC, has unverifiable allegations’, according to CNN.\nI would think that people would laugh at a news story that says that ‘a potentially credible source’ has ‘unverifiable allegations’. Unfortunately few people get past the headline, and today a very large percentage of the public really does believe that Trump is a Russian plant.\nAnd because saying that Trump is NOT a Russian plant is not ‘politically correct’, if you question the narrative you become just as bad as Trump.\nHe or she who controls what is ‘politically correct’ controls the discussion. Anyone who crosses the lines of political correctness is disqualified from continued discussion, and once you cross the line there is no crossing back. The politically incorrect person is viewed as vile, evil – an outcast from polite society.\nIf you mention Thomas Sowell or Walter Williams to someone who believes in ‘privilege’ (the modern term for Critical Theory), notice how quickly they discredit them. Followers of Political Correctness will not discuss anything Thomas Sowell or Walter Williams say; they are presumed wrong simply because of who they are. And if you quote them, you become just as bad as they are.\nSimilarly, the new term, ‘fake news’, is nothing more than a way to spin sources such that factual news can be dismissed out of hand.\nFollowers of Political Correctness change the ‘proper terminology’ constantly, such that anyone who does not devote enough time to keeping up with the current crop of politically correct phrases can quickly be exposed as being a bad person. Speak and you will offend. Offend and you will be dismissed.\nPolitical Correctness is designed to make opponents recoil and back down, and it largely works. When someone is called a racist, the natural reaction is to go on the defensive. As such, conservatives often retreat.\nA better reaction would be to force the person charging ‘racism’ or some ‘phobism’ to defend their charge. Put THEM on the defensive, and let them try to rationally defend an irrational belief.\nThe great irony is that the belief that white men are somehow the pinnacle of society is also by definition the belief that woman and people of color are somehow inferior – that they cannot compete in any open and honest competition. The great irony of political correctness is that if you analyze it rationally, by its own rules it is not politically correct.\nMost people fighting for Cultural Marxism have no idea that communism is the end goal. They subscribe to these beliefs because they are told in our public schools and universities that they are evil if they do not. They believe for purely emotional reasons.\nJust as Cultural Marxism needs Critical Theory to survive, so too Critical Theory needs Political Correctness. Political Correctness in the meantime needs the majority to recoil whenever it is charged with being evil. Political Correctness is the weak link in the chain. We need only stand our ground and turn the tables to win.", "label": "No"}
{"text": "FOXG1. This is the Epilepsiome page on FOXG1, a gene for FOXG1 syndrome which was previously described as a congenital variant of Rett syndrome [OMIM#613454]. FOXG1 syndrome is an autosomal dominant condition characterized by microcephaly, intellectual disability and epilepsy. Thus far, disease-causing variants in FOXG1 have been reported in over 100 individuals.\nHere are the most recent blog posts on FOXG1\n- MECP2 – Rett Syndrome in the era of exome-first studies\n- Three novel aspects about epilepsy gene panels\n- The novel gene dilemma\nIn a nutshell. A de novo pathogenic variant in FOXG1 was first discovered via fluorescence in situ hybridization and southern blot hybridization in a girl with severe cognitive disability associated with complete agenesis of the corpus callosum and microcephaly in 2005. The girl was found to have a balanced translocation of chromosomes 2 and 14, along with a neighboring inversion in chromosome 14q12. The inversion breakpoint on chromosome 14 disrupted a splice site for FOXG1, knocking out function of the gene. A few years later, FOXG1 variants were identified in two girls with early-onset seizures, microcephaly, and severe intellectual disability, which was described as a congenital variant of Rett syndrome. Congenital variant of Rett syndrome is classified as the same features of classic Rett syndrome, but with an earlier onset of symptoms. Since these original reports, variants in FOXG1 have been identified in over 100 individuals, including males.\n|Phenotypes||Genetics||Mechanism & Function|\n|The Clinical Perspective||Community||Resources & References|\nFOXG1-related epilepsy. The phenotypic spectrum of FOXG1-related epilepsy is variable depending on the type of variant underlying the patient’s condition. Individuals with whole gene duplications of FOXG1 frequently present with infantile spasms, while individuals with deletions or truncating variants have later onset of seizures. The types of seizures caused by whole gene deletions, intragenic deletions or truncating mutations can include complex partial seizures, myoclonic seizures, and tonic seizures. There is no correlation between seizure type and deletion versus intragenic variants. The variability in the presentation of seizures was shown in two sibling pairs with the same intragenic variants, but discordant epilepsy severity in both families. Brain MRI studies have revealed hypoplasia of the corpus callosum, as well as simplified gyral patterns and reduced white matter volume particularly in the frontal lobes in some patients, even though the features can be variable.\nDevelopment. The majority of patients with FOXG1 syndrome have severe to profound intellectual disability. Some of the features of FOXG1 syndrome are similar to Rett syndrome. However, FOXG1 syndrome usually presents with an earlier and more severe phenotype that includes severe developmental delay, microcephaly before 4 months of age, generalized hypotonia, and dyskinesias. Patients also frequently have sleep disturbances and bruxism. There is emerging data that the FOXG1 phenotype is more severe and can differentiate from patients with MECP2 pathogenic variants.\nMutation spectrum. Fewer than 75 unique disease-causing FOXG1 variants have been reported in the scientific literature. The variant spectrum includes intragenic and whole gene deletions and duplications, missense variants and nonsense variants. Pathogenic variants have been identified in multiple exons and do not appear to be limited to one region of the gene. To view the variants that have been reported thus far, visit ClinVar.\nGenotype-Phenotype Correlation. Pathogenic variants in FOXG1 cause a phenotype of severe to profound intellectual disability with variable other neurological features. For example, the epilepsy phenotype may range from single seizures to epileptic encephalopathy and some patients do not have seizures at all. Virtually all patients have severe to profound intellectual disability and microcephaly. Infantile spasms in particular have been associated with duplications of FOXG1. Further studies are need to define the full phenotypic spectrum of other FOXG1 variants.\nGeneral Considerations for Variant interpretation. When reviewing a genetic variant to determine its significance for a given patient, it is important to weigh multiple pieces of evidence:\nConsiderations for gene level interpretation. First, it is important to establish the strength of the evidence showing that the gene is associated with epilepsy. Some genes may only have one variant reported in a single individual with epilepsy, while other genes may have multiple variants reported in many large families with an autosomal dominant pattern of epilepsy. For FOXG1, there is moderate evidence for its role in human epilepsy.\nConsiderations for variant level interpretation. When reviewing the significance of a variant, it is important to consider the impact on the gene and the presence of the variant in previously described patient and control populations. Many clinical genetic testing laboratories classify genetic variants into different categories, ranging from benign to pathogenic. Variants that are common in control populations and would not be predicted to have a major impact on the gene/protein are generally classified as benign. Variants are more likely to be classified as pathogenic if the variants are rare or not present in the control population, reported in multiple individuals or families with disease, and likely to have a higher impact on the gene/protein based on the type of mutation or functional studies. Variants with uncertain or limited available evidence may be classified as variants of uncertain significance (VUS), indicating that further information is required in order for the variant to be further defined. In some cases, testing additional family members can be helpful, as it allows the lab to determine whether or not the variant was inherited (versus de novo) and how the variant segregates with disease in the family. This is particularly true for FOXG1 variants, as most disease-causing variants would be expected to be de novo. Sometimes further classification of a VUS requires waiting for the identification of additional patients or families with similar or nearby variants.\nInheritance, Penetrance & Prevalence. FOXG1-related epilepsy is inherited in an autosomal dominant pattern and is completely penetrant, so all individuals with pathogenic variants are symptomatic if untreated. Variable expressivity can occur, even with the same variant, particularly in age of onset, seizure type and degree of developmental issues. The exact prevalence of FOXG1-related epilepsy is unknown.\nMechanism. FOXG1 makes a protein called forkhead box G1 which plays an important role in brain development before birth, particularly the telencephalon. The telencephalon develops into several critical structures, including the cerebrum, which controls most voluntary activity, language, sensory perception, learning, and memory. The disruption in normal brain development before birth, appears to underlie the structural abnormalities of the brain and severe developmental problems seen in individuals with FOXG1 syndrome.\nRecurrence risk & testing of family members. The majority of FOXG1 variants reported are de novo. Germline mosaicism of FOXG1 variants have been reported in a few families, making the recurrence risk for those families higher than the general population risk. FOXG1 syndrome has not been reported to be inherited in an autosomal dominant manner.\nTherapy. A specific therapy recommendation has not yet been proposed for FOXG1-related epilepsy, although individuals with FOXG1 syndrome may receive similar treatment to individuals with Rett syndrome.\nThe current section on therapy is a brief overview, and, from the therapeutic perspective, does not represent a comprehensive review of the literature. It should therefore not be used for clinical decision-making without input from a health care provider with relevant expertise in the field.\nResearch studies, patient registries, and family connections. The Epilepsiome team is happy to facilitate if you have questions or a specific interest in this gene. There are a number of groups/websites that provide relevant information and support for individuals and families with FOXG1-related conditions, including the groups listed below.\n- American Epilepsy Society\n- Epilepsy Foundation\n- Epilepsy Action UK\n- International FOXG1 Foundation\n- National Organization for Rare Disorders (NORD)\n- Rare Diseases Clinical Research Network\nGeneReviews: MECP2-Related Disorders", "label": "No"}
{"text": "Feeling Chest Pain? Don’t Ignore It\nChest pain is discomfort or pain that is felt anywhere along the front of the body between the neck and upper abdomen. While many people with chest pain fear a heart attack, there are many possible causes. When in doubt, it's best to seek immediate medical attention for chest pain by calling 9-1-1.\nAngina is a type of heart-related chest pain that occurs because the heart isn’t getting enough blood and oxygen and it can feel similar to the pain of a heart attack. Some chest pain causes are mildly inconvenient, while others are serious and even life-threatening.\nThe chest pain protocols Virtua uses with patients provide rapid identification of chest pain causes so the team can provide prompt care as needed. The cardiac catheterization labs at our hospitals are equipped with the latest technology and staffed by interventional cardiologists who can perform emergency angioplasty and stenting for patients having a heart attack.\nIf you or someone you know is having ongoing or severe chest pain, go to the emergency room or call 911.", "label": "No"}
{"text": "Pilates exercises are a unique system for stretching and strengthening the body developed by its founder Joseph Pilates. The Pilates method consists of a repertoire of over 500 exercises that must be performed either on a mat or on one of the many machines invented by Joseph Pilates. The four most important Pilates machines are the Reformer, Cadillac, Barrel, and Wunda Chair. Since then, there have been many innovations in Pilates equipment, but all of them follow Pilates principles strictly.\nPilates exercises are usually performed at several organized levels from the beginning, from intermediate to advanced. Exercise develops strong abdominal muscles, arms, legs, back, glutes, and deep posture to support the body's skeletal system or \"powerhouse\". The Pilates method is also an excellent rehabilitation system for back, knee, thigh, shoulder, and stress injuries. However, there are so many online platforms that help people in learning pilates even at home. So guys have a peek at this website and join the online pilate class to do it at home anytime.\nImage Source: Google\nThe six basic principles of the Pilates method are:\n- Gentle movement\nConcentration focuses on aligning the body with the mind to create a connection between body and mind. Control places emphasis on controlling the movement that allows the correct execution of each exercise.\nCentering is the focus of the body. Proper breathing technique is important to clear the bloodstream and recharge the body's energy. The final principle, “Smooth Movements”, states that each Pilates exercise is performed in a fluid way to develop muscles evenly.", "label": "No"}
{"text": "When it comes to anger, holding it in and letting it run out of control can be equally destructive. Our Gainesville counseling services are here to help if you find yourself experiencing anger control issues as defined by the Mayo Clinic.\nSigns of Anger Management Problems\nAnger can be frightening because you may not even be aware of it until the feeling becomes overwhelming. The first step in anger management is learning to recognize when the emotion is building up.\nDo any of these situations sound familiar?\n* Chronic irritation, impatience and hostility\n* Feelings of having to restrain your anger\n* Consuming focus on negative thoughts and experiences\n* Frequent arguments of escalating intensity\n* Threats of or actual violence involving people or property\n* Excessively risky behavior, such as reckless driving\n* Avoiding people or situations due to fear of outbursts\nDeveloping Anger Management Skills\nUncontrollable anger often stems from particular stress factors ranging from heavy traffic to tensions in a relationship. Identifying your specific triggers helps you become aware of situations when anger may arise.\nAnger affects you physically and emotionally, so it’s essential to develop a variety of skills addressing both aspects. Problem-solving, effective communication and good eating and sleeping habits are just some of the coping mechanisms that help you reduce stress and manage anger productively.\nLearn to Defuse Anger with Gainesville Counseling Services\nFaith provides a solid framework for successful anger management techniques. Contact us for caring and experienced help with your personal development.", "label": "No"}
{"text": "People who are vegetarians do not consume meat or meat products. They refrain from eating red meat, poultry, sea-food and by-products of animal slaughter. Since eggs come from chicken, it is usually a question \"do vegetarians eat eggs?\" In this article, you will get the answer.\nTypes of Vegetarians\nPeople who do not eat meat or animal flesh except fish are described as Pescatarians, which is not used very frequently. Many people are turning towards this type of diet. It acts like a stepping stone towards a completely vegetarian diet and also has health benefits because of fish inclusion.\nSemi-vegetarians or \"Flexitarians\" are people who are flexible in the kind of food they eat. They usually restrict themselves to vegetarian diet, but on occasions have meat as well.\nMost vegetarians fall in the category of lacto-ovo-vegetarians, meaning they eat egg and dairy products. However, they avoid beef, pork, poultry, sea-food and flesh of any kinds.\nLacto means milk and lacto-vegetarians are people who abstain from meat, poultry, sea-food and eggs. They consume dairy products. Most Hindu vegetarians are Lacto-vegetarians.\nVegetarians who avoid meat and dairy products, but consume eggs are termed as ovo-vegetarians. People who are lactose intolerant usually turn ovo-vegetarians. Like Lacto, the term ovo is a Latin word for egg.\nVegans are the strictest type of vegetarians who abstain from eating eggs, dairy products, any animal products and products derived from animals. They refrain from eating any products which are made using animal products or contain even traces of animal products like gelatin. There is a debate whether honey can fit into a vegan diet.\nFoodists who believe that cooking foods above 115 degrees F will lose a lot of nutritive content, usually turn to raw vegan diet. For raw vegan, they consume unprocessed vegan foods which are not heated above 115 degrees F.\nDo Vegetarians Eat Eggs?\nNutrition of Eggs\nEggs are nutritionally very rich while giving a small number of calories. According to the American Egg Board, one whole egg gives 70 calories, 6.29 grams of protein, 5 grams of fat, 212 mg of cholesterol and trace of carbohydrates.\nThe 5 grams of fat are composed of 1.55 grams of saturated fats, 1.9 grams of MUFS and 0.68 grams of PUFA. The egg yolk contains vitamin A, D and Choline. Consuming egg white eliminates the fat and reduces the calories to 17 per egg white.\nHowever, anyone who is planning to reduce the fat or cholesterol intake, they should reduce the egg intake. The American Heart Association recommends not more than 4 eggs per week whereas the Australian Heart Foundation recommends up to 6 eggs per week. You can decide to choose which regulation to follow according to your health condition.", "label": "No"}
{"text": "本研究探討16個月及20個月大的嬰幼兒，能否依語音和表情線索，來區辨他人行為的意圖。首先，透過半結構化親子互動遊戲，引發家長發出語音，企圖找出可與\"there\"及\"woops\"對應之中文的意圖性及意外性語音，前導實驗中以18個月與24個月的嬰幼兒及其家長為對象，結果發現，使用次數較多的是意圖性語音「ㄛ」和意外性語音「(特殊字元略)」。實驗一重製姜忠信與張閔翔(2008)的實驗，修正語音及降低作業難度。結果發現，20個月大的嬰幼兒大體上能依語音及表情線索找到意圖目標物，16個月的嬰幼兒則否，兩年齡組嬰幼兒在作答上，皆無明顯的左右偏好。實驗二再修正實驗一，移除打開盒蓋的動作來降低作業難度，另增加「最終反應」的計分。結果發現：20個月大的嬰幼兒能理解語音及表情的意圖線索，亦發現最終反應顯著高於第一反應，說明此月齡的嬰幼兒需較長的時間，才能做出正確反應。然而實驗二嬰幼兒的表現與實驗一20個月大的嬰幼兒無異，說明了盒蓋並非造成作業難度較高的主因。由本研究結果，推論20個月大的嬰幼兒，能夠理解他人語音及表情的意圖線索。 Recent literature has found that young children before the age of 2 can use behavioral cues to detect others' intentions. The present study used vocal and facial expression cues to investigate intentional ability in 16- to 20-monthold children. A pilot study looked at the Mandarin vocals that are synonymous with \"there\" and \"woops\" in English. In a semi-structured parent-and-child interaction context, 18- and 24-month-old children played with their parents. The parents' vocals in intentional and accidental conditions were recorded. Results showed that the intentional vocal \"Ah!\" and accidental vocal \"Wa!\" were most frequently used. In Study 1, we replicated the referential intent task (Chiang & Chang, 2008), corrected the vocal cues, and reduced the task difficulty. The examiner provided vocal and facial expression cues to indicate which container contained the toy. Results showed that 20-month-old children could differentiate between the demonstrated intentional and accidental cues. The 16-month-old children did not pass the task. The preference to choose the right or left side was not significant in either age group. Study 2 removed the lid of containers to reduce task difficulty, coding children's first response and last response. Similarly, 20-month-old children passed the referential intent task. Performance on the last response was better than performance on the first response, and these children needed longer time to process information. However, the children in Study 2 did not perform better than those in Study 1. This result explained that the lid of the container did not decrease the task demand. In conclusion, 20-month-old children can understand others' intentional cues of vocal and facial expression. However, further studies are needed to explore the components of task loading and compare the data with that in Western culture.", "label": "No"}
{"text": "Biology and Anatomy & Physiology Helps: The Cell\nFormat: PDF / Kindle (mobi) / ePub\nThe Biology and Anatomy & Physiology Helps series is designed to provide a review of the objectives and vocabulary covered by many instructors. This series is in note-like format to supplement any student study guide and provides a self test at the end of each text to help with material review of the topic covered. The Biology and A&P Helps series is intended as an aid for research projects, advanced homeschoolers, AP high school students and college students pursuing a BS, particularly in the fields of nursing, pre-med, pre-vet, biology, zoology, microbiology and biochemistry.\nThe books in the Biology and Anatomy & Physiology Helps series are designed to act as a lesson supplements. These texts are not intended to provide a comprehensive review of the materials covered without a full Biology or Anatomy & Physiology curriculum to back it up.\nThe Biology and Anatomy & Physiology Helps series also provides note taking tips as an aid to further develop classroom and study skills.\nThis volume covers The Cell\nTable of contents:\nNote Taking Helps\nVariations on Cel Membranes\nTransport Across Membranes\nPlasma Membrane Receptors\nThe Cytoplasm and Organelles\nResources and References\nAbout the Author\na lesson supplement. This text is not intended to provide a comprehensive review of the materials covered without a full Biology or Anatomy & Physiology curriculum to back it up. The Biology and Anatomy & Physiology Helps series is designed to provide a limited review of the objectives and vocabulary covered by many instructors. This series is in note-like format to supplement any student study guide on the topic, and provides a self test at the end of each text to help with material review.\nseparated into early and late prophase or prophase and prometaphase metaphase chromosomes cluster at the midline centrosomes are at opposite ends of the cell anaphase begins when chromosomes split shortest phase motor proteins pull chromosomes toward poles telophase begins when chromosomal movement stops chromosomes reform into chromatin new nuclear membrane formed from rough endoplasmic reticulum nucleoli reappear cytokinesis division of the cytoplasm begins during late\nin the cytoplasm transfer RNA (tRNA) -transfers amino acids to the ribosome from incorporation into proteins ribosomal RNA (rRNA) -a structural component of the ribosome transcription the transfer of information from DNA to RNA transcription factor (TF) gene activating chemicals stimulate the histones to loosen from the DNA binds to promoter or DNA sequence that specifies the start of RNA synthesis mediates the binding of RNA polymerase to the promotor RNA polymerase (RNAP) enzyme\nwater, from cells, is (hypertonic/hypotonic). The sodium-potassium pump helps maintaing what? What are the roles of membrane receptors? Label When does DNA replication occur? What are the phases of mitosis? Answers the cell integral or transmembrane tight junctions diffusion hypertonic resting membrane potential contact signaling, electrical signaling, chemical signaling, and G-protein linked receptors Cell Label nucleolus nucleus ribosome vesicle rough endoplasmic reticulum\nGolgi apparatus cytoskeleton smooth endoplasmic reticulum mitochondria vacuole cytosol lysosome centriole cell membrane S phase prophase, metaphase, anaphase, telophase Resources and References Cell http://faculty.ucc.edu/biology-oksov/cell.htm Retrieved January 2013. Life Sciences Cyberbridge http://cyberbridge.mcb.harvard.edu/mitosis_4.html Retrieved January 2013. Marieb, Elaine N.; Hoehn, Katja N (2012-02-08). Human Anatomy & Physiology (9th Edition). Benjamin Cummings. Kindle", "label": "No"}
{"text": "Plutarch’s biography of Cicero, the Roman orator and statesman, is the last of his Lives which has been extensively depicted in paint. After some fairly inconsequential discussion over his ancestry and birth, we are told that Cicero was a precocious scholar who established himself as the finest orator and poet of his day.\nCicero continued to learn from Philon the Academic, kept company with Mucius Scaevola when he was leader of the senate, and did military service under Sulla in the war against the Marsians. The Roman state then underwent a traumatic period, during which the young Cicero kept his head down, but once matters became more settled under the leadership of Sulla, Cicero prepared for public life.\nHe defended the son and heir of a man who had been put to death, and who had been indicted by Sulla for the murder of his father under trumped-up evidence. Although Cicero won his case, he remained in fear of Sulla, and perhaps wisely took the opportunity to visit Greece, ostensibly to aid his health.\nWhen Sulla was dead, Cicero’s friends at home urged him to return, but he travelled on to visit some noted orators in Asia Minor and on the island of Rhodes. Before going back to Rome, he consulted the oracle at Delphi, who advised him to make his own nature his guide in life, and not to be swayed by the opinion of the multitude.\nCicero then worked as an advocate, and remained cautious. He was appointed quaestor during a period of grain shortage, and allocated the island of Sicily, where farmers were upset at being forced to send all their grain to supply Rome. He established his reputation there for defending many young men who were sent for trial on grounds of lack of discipline and courage in war. As was usual with him, he would not accept fees or gifts for his legal work, and continued to live a modest lifestyle, unlike many others.\nAlthough Plutarch doesn’t describe the story, when Cicero was in Sicily he claimed to have discovered the location of Archimedes’ tomb. Francesco Zuccarelli’s painting of Cicero Discovers the Tomb of Archimedes from 1747 shows this event, with the city of Syracuse behind.\nIn 1797, the American history painter Benjamin West painted his Cicero Discovering the Tomb of Archimedes. He painted it again in 1804 (the almost identical version shown above), which was also the year that Napoleon became Emperor of the French.\nCicero wrote in his Tusculan Disputations (book 5, sections 64-66) that the tomb was neglected and buried in undergrowth, near the Agrigentine Gate of Syracuse. Cicero described the cylindrical column with a sphere mounted on top, which is shown partly obscured in West’s painting, and was a symbol of Archimedes’ mathematical achievements.\nWest shows Cicero wearing a white toga, speaking in front of the tomb, as workers with sickles clear the undergrowth from it. In the distance is the city of Syracuse on its coastal plain, and beyond it the smoking cone of the active volcano, Mount Etna.\nPaul Barbotti’s Cicero Discovering the Tomb of Archimedes from 1853 at least shows Cicero as a young man, although there is no sign of the cylindrical column with a sphere on its top.\nPlutarch tells us that Cicero had some modest properties, including a country house at Arpinum, to the south-east of Rome, and two farms, one near Naples and the other near Pompeii. His health was always a bit delicate, but was managed by careful diet and exercise.\nIn about 1771, Richard Wilson painted this marvellous historic landscape of Cicero with his Friend Atticus and Brother Quintus, at his Villa at Arpinum. Wilson was a pioneer British landscape artist, the father of Welsh painting, and this work seems to have influenced Pierre-Henri de Valenciennes in his later painting of Cicero Discovering the Tomb of Archimedes from 1787; sadly I have been unable to locate a suitable image of that to show here.\nWhen he served as a praetor, Cicero established a reputation for integrity and fairness. He then stood for the consulship, supported by both the aristocrats and common people. Leading forces of revolution in the city was Lucius Catiline, a man with a dreadful reputation. Catiline had corrupted many of the young men by funding their debauched behaviour, stood against Cicero, and lost.\nEarly during his period as consul, Cicero had many problems to face. There was a marked reaction against the unjust laws of Sulla, and new moves to sell public lands. Cicero acted with great acumen, and vehemently opposed the new laws in the senate. His skill as an orator won the day. Catiline, though, grew in his influence, thanks largely to the support that he got from soldiers who had served Sulla.\nWhen the time came for the next consular elections, Cicero postponed them, and summoned Catiline to the senate. The latter was uncowed and brazen in his criticism of the senate, so Cicero rallied popular support, ensuring that Catiline was once again unsuccessful in his quest to be made consul.\nOne night after Crassus had dined, he was brought letters warning that Catiline would cause much bloodshed, and advising him to flee from Rome. Crassus went at midnight to Cicero, seeking his intervention. Cicero summoned the senate to assemble at dawn, and there instructed those who had written to Crassus to read their letters out loud in front of the senate. Each told of Catiline’s plot. The senate put the matter into the hands of the consuls to address.\nCicero trusted matters outside Rome to Quintus Metellus, but took charge of the city himself, with the support of a large bodyguard. Catiline ordered two of his men to go to Cicero at his house at dawn and murder him, but Fulvia informed Cicero of the plan, and the attack was blocked. Cicero then went and summoned the senate to the temple of Jupiter Stator, on the slopes of the Palatine hill.\nWhen Catiline arrived, no one would sit near him; as he tried to speak in his defence, he was constantly interrupted, following which Cicero rose and told Catiline to leave the city.\nHis denouncement of Catiline in the senate has also been a popular motif. Cesare Maccari’s Cicero Denounces Catiline from 1889 shows the latter conspicuously sat alone at the right as Cicero lambasts him from the floor.\nIn John Leech’s satirical version of Cicero Denouncing Catiline from about 1850, Cicero is intended to be a caricature of Disraeli, and Catiline is Disraeli’s longstanding opponent in the British House of Commons, W E Gladstone, who is sat at the far right.\nTaking three hundred armed followers with him, Catiline left to join his forces which had been raised by Manlius, now amounting to some twenty thousand. Together, they toured other cities trying to persuade them to revolt against Rome.\nCatiline’s cause in Rome was left with his supporter, Cornelius Lentulus Sura, who had been expelled from the senate but was now working his way back as a praetor. He intended to kill all the senators, burn the city down, and only spare Pompey’s children, who would be held as hostages until their father’s return. Cicero had Lentulus’ men ambushed, and obtained from them secret letters concerning an alliance with the Allobroges.\nCicero read those letters aloud and examined the men in front of the senate the following day. This destroyed the conspiracy, and Lentulus resigned from office. That evening, Cicero addressed the people and told them what had happened. Later, when he was on his own, he tried to decide what should be done with the conspirators.\nThe following day, the senate considered the problem, and all spoke in favour of the conspirators being subjected to the “most extreme punishment”, which others assumed meant death, until it came to Caius Caesar’s turn to speak: he proposed that their property should be confiscated, and they should be imprisoned outside Rome until Catiline was defeated.\nCicero spoke supporting Caesar’s proposal, but eventually the senate agreed that the conspirators should be put to death.\nBy this time, Cicero was falling from favour with the people, and his many books seemed to be full of self-praise. As such a skilled orator, his speeches often included biting jests against his opponents, and these encouraged people to hate him. Cicero became embroiled in the scandal of Clodius, who was found in one of the maid’s quarters in Pompeia’s section of Caesar’s house, causing Caesar to divorce Pompeia on grounds of the suspicion to which it gave rise.\nCicero was then attacked by Clodius, forcing Cicero to ally himself with Caesar, who came out in support of Clodius instead. Cicero was then denounced, and in fear of prosecution; he supplicated himself before the people, dressing down and leaving his hair uncut. Cicero was forced to seek aid from Pompey, who was keeping well out of things in his country house in the Alban hills. Pompey evaded him, and Cicero fled for refuge to the consuls, and to take counsel from his friends.\nCicero chose to go into exile, and headed by night for Sicily. He was then banished from Rome, and Clodius issued an edict to prevent anyone from giving him aid.\nWith former friends declining to shelter or help him, and his personal properties being burned down and sold, Cicero was on his own. Over the following year, increasing disorder in Rome turned the tide in his favour, and Cicero was welcomed back after less than sixteen months.\nWhen Clodius was absent from Rome, Cicero went up to the capitol and destroyed the records of Clodius’ administration. Cato spoke against Cicero, and Clodius was then killed by Milo. Cicero was made an augur among the priests, and was given command of an army of nearly fifteen thousand to control the province of Cilicia. He was successful there, and returned to find Rome falling into civil war. The senate, though, awarded him a triumph.\nOne of the more modest if not humble triumphs of Rome, it is shown in this fresco originally by Franciabigio, with additional work by Alessandro Allori largely in the right side of The Triumph of Cicero (c 1520).\nWhen Caesar went to Spain, Cicero sailed to join Pompey, which didn’t work out well. Cicero missed the battle of Pharsalus as he was unwell, and refused Cato’s request for him to take command of the large army and fleet at Dyrrhachium. Pompey would have put him to death for that, had Cato not intervened. Cicero then joined Caesar.\nWhen Caesar assumed power, Cicero withdrew from public life, living mainly in the country, where he taught philosophy. He divorced his wife Terentia, and despite his age married a wealthy young woman. He kept out of the plot to assassinate Caesar, only speaking in the senate afterwards to propose an amnesty for those involved.\nCicero and Antony were sworn enemies, and the two had several close calls after Caesar’s murder. As Cicero’s power rose again in Rome, he raised a faction against Antony and had him driven from the city. Cicero was then led on and cheated by the young Caesar, for the latter to become consul. Once the young Caesar was successful, he allied himself with Antony, and Cicero’s name was put on a list of two hundred to be put to death.\nWhen Cicero learned of this, he was staying in the country, and fled. He got to Astura, where he couldn’t decide whether to go any further, or to return to Caesar in Rome. He went on to Caieta, where he had a summer retreat. He was being carried in a litter through the woods towards the sea when his assassins caught up with him. Cicero ordered the litter to be put down, stretched out his neck, and he was beheaded.\nCicero’s head and hands were taken back to Rome, where Antony, who was conducting an election there, ordered them to be put on public display. But the Romans didn’t see there the face of Cicero – rather they saw into the dark soul of Antony.\nPlutarch makes no mention of a popular alternative version of the death of Cicero, which claims that his head was presented on a platter to Fulvia, who would have had every reason to want it, as the widow of Clodius and wife of Antony. Pavel Svedomsky’s undated Fulvia With the Head of Cicero from the late nineteenth century shows Fulvia sticking hairpins in Cicero’s tongue in return for the orator’s many critical speeches about Antony.\nFrancisco Maura y Montaner’s Fulvia and Mark Antony, or the Vengeance of Fulvia from 1888 shows Fulvia smiling with glee at Cicero’s head, in a manner reminiscent of another femme fatale of the end of the nineteenth century, Salome, with the head of John the Baptist. Fulvia is here poised with her hairpin, and encouraged by those around her, including Antony.\nCicero, whole text in English translation at Penelope.", "label": "No"}
{"text": "For decades, Chrysler worked on an alternative engine design that might have provided a very flexible alternative. It ended without fanfare in 1979, and was never picked up again – as far as we know. Richard Benner, Jr., wrote: “Mike Eberhart (who works here at Chrysler St. Louis) is the guy who takes the vehicle around for shows all over the U.S. He gives rides in the vehicles (I have ridden 3 times) and for anyone who says they did ride it it, if they did, they sign into a log that’s kept here at the St. Louis Museum of Transportation, who owns the vehicle.\nMike just has it on loan to work on and transport it. He did much of the work himself to get it running and in the condition it is in.” One turbine-powered car, not made by Chrysler, was entered into professional racing at the Indianapolis 500; the turbine itself was a standard aviation unit, and the car involved nearly won, but a bad wheel bearing took it out of the race. Turbine powered cars were then excluded from racing through rules. Have a look at the history for this fascinating attempt to bring something new to automobile engines.\nThe automotive news has been packed with interesting stories lately. It’s interesting how a class of vehicle that started out as something utilitarian has morphed into a new genre of its own and is even considered to have real style!\nFirst up today, it seems the trend in automotive is to make everything as automatic as possible, even cars that can drive themselves.\nDid you know that the typical V6 ignition system generates one hundred and fifty sparks per second at three thousand RPM? And that each spark event is precisely timed to within milliseconds? Your vehicles’ ignition system operates using sophisticated computer controls. Sensors provide the engine management computer with crankshaft speed and position. The computer uses this information to accurately trigger the ignition coils.", "label": "No"}
{"text": "Plato. Protagoras, Sophists (Greek philosophy), Protagoras, Homer -- Influence\nThis paper traces Plato’s allusions to Homer in the Protagoras. What might seem to be surface details are, in fact, shown to both augment and support the dialogues underlying theme of the nature of virtue. By tracing these seemingly surface details, this paper shows just how Socrates goes about teaching virtue.\n\"Allusions to Homer in the Protagoras,\"\nAnthós (1990-1996): Vol. 1\n, Article 7.\nAvailable at: http://pdxscholar.library.pdx.edu/anthos_archives/vol1/iss3/7", "label": "No"}
{"text": "Solar system 'SCJ920' is a dual star system that comprises the\nstars 'SCJ920.A' and 'SCJ920.B' and the retinue of celestial objects gravitationally bound to them:\n0 planets and their moons, as well as\nasteroids, meteoroids, planetoids, comets, and interplanetary dust.\nThe principal components of this star system are the stars 'SCJ920.A' and 'SCJ920.B' that dominate it gravitationally.\n'SCJ920.A' is a red giant class star that contains about 99% of the system's known mass,\n'SCJ920.B' is a brown dwarf class star that contains about 0% of the system's known mass.\nSystem 'SCJ920' is located more than 4300 lightyears from the center of the galaxy.", "label": "No"}
{"text": "strstr - find a substring\nchar *strstr(const char *s1, const char *s2);\n[CX] The functionality described on this reference page is aligned with the ISO C standard. Any conflict between the requirements described here and the ISO C standard is unintentional. This volume of POSIX.1-2008 defers to the ISO C standard.\nThe strstr() function shall locate the first occurrence in the string pointed to by s1 of the sequence of bytes (excluding the terminating NUL character) in the string pointed to by s2.\nUpon successful completion, strstr() shall return a pointer to the located string or a null pointer if the string is not found.\nIf s2 points to a string with zero length, the function shall return s1.\nNo errors are defined.\nFirst released in Issue 3. Included for alignment with the ANSI C standard.\nreturn to top of page", "label": "No"}
{"text": "In the age of viral videos and social media, it’s easy to forget that behind every screen lies a complex and fragile human being. One such heart-wrenching example is the story of the young boy who gained widespread attention when he calmly told his distressed mother to “calm down.” It was a moment that captivated the internet, but what unfolded afterwards was a stark reminder of the hidden struggles many individuals face. The mother, burdened by her own pain, tragically took her own life. This devastating incident emphasizes the critical importance of kindness and empathy towards others, as we may never truly know the battles they are fighting.\nEmpathy is the ability to understand and share the feelings of another person. It is a vital human quality that can be a lifeline to those in distress. When we encounter others, it is crucial that we approach them with empathy and kindness. This extends beyond superficial interactions and requires genuine compassion and a willingness to listen without judgment. By practicing empathy, we create a safe space for individuals to open up, seek support, and potentially prevent tragic outcomes like the one witnessed in this heart-rending story.\nWe often underestimate the depth of pain and anguish that people can carry silently within themselves. Many individuals facing emotional turmoil choose to suffer in silence, fearing judgment, stigma, or a lack of understanding from those around them. It is essential to recognize that everyone we encounter may be fighting battles that are invisible to us. A kind word, a gentle gesture, or a listening ear can make an immeasurable difference in someone’s life, providing solace and reminding them that they are not alone.\nThe stigma surrounding mental health prevents open conversations about our struggles, leading to isolation and despair for those affected. It is crucial that we create an environment where individuals feel safe to share their challenges without fear of judgment or rejection. By actively promoting mental health awareness and encouraging open dialogue, we can help break down these barriers and provide support to those who desperately need it.\nThe Ripple Effects:\nThe tragic loss of the young boy’s mother serves as a stark reminder of the ripple effects our actions, or lack thereof, can have on others. A single act of kindness, compassion, or understanding can have a profound impact, potentially altering the course of someone’s life. Conversely, our indifference or insensitivity can unknowingly contribute to another person’s anguish. By being mindful of our words and actions, we have the power to shape a more compassionate and supportive society.\nThe heartbreaking story of the young boy’s mother, who took her own life, reminds us of the importance of extending kindness, empathy, and understanding to everyone we encounter. We must recognize that each person carries their own burdens, often hidden from view, and treat them with compassion and respect. By fostering an environment of empathy and breaking the silence surrounding mental health, we can potentially save lives and offer hope to those who are suffering in silence. Let us make a commitment to be kind, to listen, and to be there for one another, for we truly never know what battles others are fighting.", "label": "No"}
{"text": "The human genome must be tightly packaged in order to fit inside the nucleus of a cell. Genome organization is functional rather than random, which allows for the proper execution of gene expression programs and other biological processes. Recently, three-dimensional chromatin organization has emerged as an important transcriptional control mechanism. For example, enhancers were shown to regulate target genes by physically interacting with them regardless of their linear distance and even if located on different chromosomes. These chromatin contacts can be measured with the “chromosome conformation capture” (3C) technology and other 3C-related techniques. Given the recent innovation of 3C-derived approaches, it is not surprising that we still know very little about the structure of our genome at highresolution. Even less well understood is whether there exist distinct types of chromatin contacts and importantly, what regulates them. A new form of regulation involving the expression of long non-coding RNAs (lncRNAs) was recently identified. lncRNAs are a very abundant class of non-coding RNAs that are often expressed in a tissue-specific manner. Although their different subcellular localizations point to their involvement in numerous cellular processes, it is clear that lncRNAs play an important role in regulating gene expression. How they control transcription however is mostly unknown. In this review, we provide an overview of known lncRNA transcription regulation activities. We also discuss potential mechanisms by which ncRNAs might exert three-dimensional transcriptional control and what recent studies have revealed about their role in shaping our genome.\nKeywords: Chromatin, epigenetics, gene regulation, non-coding RNA, polycomb repression complex, ribonucleoprotein complex, transcription, tiRNAs, HOX genes, Xist\nopen access plus\nRights & PermissionsPrintExport\nPublished on: 01 March, 2012\nPage: [307 - 321]", "label": "No"}
{"text": "| || |\n| || |\n| Anna-Louise Reysenbach, PhD |\nInterview with Anna-Louise Reysenbach, PhD Reysenbach is a microbial ecologist with special interests in the ecology of terrestrial and deep-sea hydrothermal vents, and in the evolution of biogeochemical cycles. She teaches the core microbiology course at Portland State University, as well as courses in Microbial Ecology and Microbial Diversity.\nYellowstone is incredible, what makes this place so special?\nThere are many reasons why Yellowstone's special for me personally, but also professionally. I will stick to the professional. Yellowstone-the thermal features and the microbes associated with it-provides an incredible natural laboratory for research.\nFor an ecologist it's even greater because you have variations in temperature, pH, light energy, and geo-chemical energy. The pH's can vary from zero to nine, so that whole range of pH's and whole range of temperatures provide all these differentenvironments for a huge diversity of microbes. From that perspective, it just provides an incredible model systems for studying different microbial questions. Since I'm an ecologist, I am interested in the dynamics of communities as [they are] associated with chemistry. So it's perfect-you just walk up to a spring and you can be able to do your experiments right there.\nHow much do we know about the microbes here versus how much do we need to know about them?\nIt's been estimated that in the microbial world we've probably only described about one percent of the diversity. There is a huge diversity in the natural microbial world that hasn't been described and we have now the techniques to be able to describe those organisms. Using those techniques, there have been some very big surprises, particularly here in Yellowstone.\n[In] almost every sample we take we discover new organisms that have never been described before. It's important not only from a science point of view but also [this] diversity is equivalent to genetic diversity, [which is] equivalent to biodiversity. Preserving biodiversity and genes in particular is important to the survival of this planet, in a way.\nIs the diversity of microbes greater than the diversity of plants and animals?\nYes, the diversity of microbes is greater than the diversity of all plants and animals put together and probably much greater. We've only just started to scratch that surface of what is the diversity of the microbial world.\nIs that true as well in Yellowstone? There is more diversity in the microbes then all the plants?\nYes, so when [we] look at a microbial mat [and] describe all the diversity in the that we looked at, there is probably more diversity in that little square then there is in terms of the visible diversity in Yellowstone, which is amazing. That is pretty spectacular.\nYou have categorized this place as an analog to early Earth? What does that mean?\nEnvironments like Yellowstone are considered [to be] good model systems to study early Earth processes. They could be analogs to what life was like on early Earth.\nThe reason why they could be good analogs for such studies [is] when early Earth formed, it was a very hot fiery planet. Then slowly but surely, Earth cooled down to the Earth we know today. So these thermal features may be relics or fossils from what it was like on early Earth.\nUnderstanding the types of processes that occur in these systems may help us understand what it was really like 3.5 billion years ago.\nHow do you know thermophiles are at the base of the tree of life?\nWe don't absolutely know. We use mathematical models and comparisons of genes of you, myself, the bison, and all these other genes. We are comparing the same gene that we all have and it's a conserved gene. It's been around since the beginning of life. We use mathematical models to see how [many] changes have occurred through time. The tree of life is still a model, we can actually figure out that some of the more ancient genes belongs to these ones.\nIt sounds like the microbes were driving their own evolution-you havetermed them master chemists.\nThat's a really nice way of saying it. I often consider microbes the chemists of the world. Chemolithoautotrophes are the best chemists because they just use the chemistry and make some other chemistry. They take one form of iron and make another form of iron. In a way they can actually change their very little local environment. In the evolution of life, they really have changed our atmosphere because evolving oxygen was a microbial process. It totally changed Earth as we know it today.\nWhat kind of lineages are you working with and why did you choose to work with them?\nMost of my research in the park has focused on a group of organisms that is one of these deep lineages within the tree of life. They are called the aquificales. \"Aquif\" means water-maker. The reason why I've been very interested in them is that they are extremely dominant. [They are] the main organism in some of these hot spring environments, mainly the ones that are near neutral (near pH 7). You don't really find them as commonly in the low pH's. A hot spring like the one here at octopus [is a] high temperature environment (anywhere from 80 to 65 degrees Celsius). [If] you see some filamentous biomass, something that looks living, it's going to be these aquificales, that's very unusual. It makes them very interesting to study. It's only veryrecently that we were able to identify these organisms and what they were doing.\nThe focus of my research is actually to identify them: then try and figure out what exactly are they doing in the environment, what energy sources are they using. Because hydrogen is not the only energy source. There is a lot of iron with oxygen, a bunch of different combinations of electrons and acceptors which is how you get your energy. Once I know what they're doing, [I] try to figure out how to grow them in the lab. [Their] biological activity will eventually be recorded into rocks and so you can actually begin to look back into the rock record, when these organisms may havebeen active billions of years ago.\nIn some of these hot springs they are the most dominant organism. They are almost the only thing there. They are like a mono culture of organisms, a wheat field in a little space. We know very little about them so it's interesting to know why they are so successful at these very high temperatures. And thirdly, the aquificales are involved in mineral precipitation. They take out of solution metals like iron or sulfur. These little filaments are covered in iron, just little black filaments. At another site, they are covered with sulfur-they sort of have this white, yellow color. From a geological perspective that's interesting, because what happens is as these organisms die and dry up and the water moves in a different direction, that which was once biologically active now becomes mineralized and fossilized and becomes rock.\nI mentioned that some of these organisms are the deepest lineages in the tree of life. The way we look at life at 3.5 billion years ago is we look at the rocks and say \"OK, there was life at 3.5 billion years.\" The way life has been shown to be at 3.5 billion years [is] to look at fossils. They are micro-fossils, tiny little blobs in the rock record.\nThere are other ways of looking at [the biological record]. They are called isotopic methods [in which] you look at an isotope. Something like carbon as two different isotopes (it actually has three). It has the radioactive isotope, but then it has a stable isotope. There is a carbon 13 and a carbon 12. For example microbes, biological systems, prefer the carbon 12 over the carbon 13. If you give a microbe carbon 13 carbon dioxide or carbon 12 carbon dioxide, it will preferentially take up the C12 carbon dioxide. When its biomass gets fossilized in the rock record what you'llsee is rock that has a high concentration of carbon 12. You know then that [the] rock has biology in it. So those are the two major forms of showing [that] life existed 3.5 billion years ago, micro-fossils and biological signatures like isotopic.\nCan you talk more about micro-fossils. What did they look like? What are the shapes of these fossils compared to the ones now?\nA lot of these fossils that are in early rock records are long filamentous organisms, very similar to the kinds of things we are looking at here. They are also very similar to some cyanobacteria. So it's very hard to distinguish whether they are chemolithoautotrophs or photosynthetic organisms. We don't know what those original fossils were.\nYou study particular organisms in more than a terrestrial environment. Where else do you study them and why do you study both?\nThe other very exciting thing I find about having focused my research on this group of organisms is that we found them at deep sea hydrothermal vents as well. So they're global. They are everywhere where there is a high temperature environment. We've discovered a whole new lineage within the aquificales, which [is] closely related [to] the ones I work with at Calside Springs.\nSo they're both in the deep sea vents and terrestrial systems. It's interesting to know how do these organisms differ because those are very different environments in a way. One has a huge amount of sulfate and nitrate and energy sources are very different here in the hot springs. We are interested in looking at both environments. That will help tell us a lot more about the [organisms'] physiology [and] metabolism. Deep sea vents have these beautiful big chimney structures where we isolated [the organisms]. They too are associated with minerals.\nI am interested in knowing how they affect the mineralogy, how they change the chemistry of their little environments. Both systems have good environments for studying those kinds of questions, how they change their chemical environment.\nWhen you look under a microscope what do they look like?\nA lot of these vary in size and shape-the pink filaments for example, are much longer filaments. The narrow filaments actually form little rods that form into filaments. Some of the organisms in the deep sea are little short rods. The ones at Calside are sort of fat little chubby rods and they basically stick together and make these filamentous mats.\nWhat are you currently working on?\nOne of the projects I have in the park at Calside Springs [is to study] these incredibly beautiful, black, filamentous organisms. We've been studying them for quite awhile trying to figure out what kind of energy sources they are using. Why are they precipitating all this iron, etc. Using molecular methods, I was able to identify organisms as a separate branch within the aquificales related to these pink filaments, but not in the same branch. They are not of the exact same family.\nAt the same time I was working at deep sea vents and I found them there, too. [They are] very close relative of the ones at Calside Springs. We discovered them but all we had was a [single] gene sequence. We had no idea about them otherwise. To understand more about an organism, you really want to have its entire genome. One way to get that is to try and grow them in the lab. We were first able to grow those organisms in the lab from samples from deep sea vents. We recently named that organism Persephonella marina.\nWhich organisms have you sequenced?\nWe have these organisms in culture here at Octopus spring with the pink filaments, called Thermochrinus ruber. Because this group is so interesting, recently the NSF has awarded us a grant to sequence the genomes of both a terrestrial relative which is the one that is very close to the organism in Calside Springs and to sequence an entire genome of organism we got from deep sea vents. So this way we can compare the entire genome rather than a single little gene.\nWhy is that important?\nThat is really important because that will tell us more about not only the entire genetic information but it's capabilities. It may also tell us about what are some of the genes that have existed for a long time. The genome of an organism is its history. We're hoping that by comparing these two genomes we'll get some information about a lot of these questions. The one other close relative of T. ruber has been sequenced. That [organism] is called Aquifex pyrophilus. So we'll have one genome in this branch, this close relative of T. ruber. Then we'll have two genomes with the organisms I was talking about so that's pretty exciting.\nHave you been commissioned to do an inventory of selected areas?\n[We are] developing a microbial survey of a lot of the thermal features in Yellowstone. We're going to first focus on thermal features. Basically there has been no specific database of all the microbes [in] these hot springs. We're going to start that basic database and ten years from now, when you come to Octopus you can say, well there is no pink filaments now. This database [will have] microbial sequences and cultures, etc. My part of that project is to also help develop some of the educational components. Part of that is to teach a course in Yellowstone to educate the general public on Yellowstone's microbes. This will help the park in establishing educational booklets.\nWhy is it important for Yellowstone to know what they have?\nIt's really important for the park to have such an inventory because unless you know what you have you can't argue why somebody can't take something out of the park. Also, a lot of these microbes do have potential biotechnological significance and could have a major impact on biotech.\nBy doing an inventory of Yellowstone's microbes, it's sort of analogous to what type of biodiversity is in the Amazon rainforest. In that way we have a responsibility to know what kind of biodiversity we have on this planet. Microbial diversity has really lagged behind macro biological diversity. So in understanding what we have today, we will be much more responsible about managing our resources. It's important to this planet that we maintain it. A lot of [our genetic diversity] is microbial and until we really understand what we really have, we're really behind in managing biodiversity.\nHow is this helping us to determine whether there could be life on other planets?\nAnother reason for studying these types of environments is that they are potential models for understanding whether there could be life on other planets. The way wecan do that is [by] understanding that the extremes that these organisms live at could be the kinds of extremes that exist on planets like Mars. We brought a rock back from Mars, now what do we look for in the rock record? What are those signatures of life to look for? On Mars there is evidence for some volcanic activity. The types of organisms that live in these hot springs may have existed on Mars many years ago. So understanding how the processes occur in these environments may help us understand what to look for, or what environments to look for, for present life.\nA lot of the research that has occurred in some of these extreme environments has opened peoples' minds to the existence of life [on other planets], wherever there is an energy source there may be life. So it really has opened this whole new field of astrobiology: Life on Earth and how it relates to other planets. There is a definite resurgence of understanding of microbial processes as they relate to processes on other planets.\nWhy are there different colors in the pools at Yellowstone?\nThe one thing that's really amazing about Yellowstone is that all the different colors of the different pools do reflect huge chemical and temperature gradients, so each pool's going to be very different in temp, and pH, chemistry. You can get pH from 1 all the way to pH 10. Temperatures from 50 degrees Celsius all the way to 93 degree Celsius so there's an extreme and a huge range of variables and therefore a huge range of environmental conditions that which different microbes can live in. And each microbe will be defined by the environmental conditions that they're in.\nA lot of the colors that you see can either be minerals-[red means] a lot of iron, or the white, limestone. It's got some carbonate that's been precipitated. Some of it's mineral, but then some of the colors are microbial mats and a lot of those are greens or reds or pinks, and those colors reflect photosynthetic organisms a lot of the time.\nThe pink filaments are pink because they produce a carotenoid: it's sort of like the pigment that's in a carrot. We don't know why they really produce that pigment.\nThe other organisms that I work with are called \"black filaments\" and they're black because they precipitate huge amounts of minerals on the outside and they're iron minerals and so they're just black. There's another group of organisms that are yellow and all related to T. ruber, to the pink filaments, and they're yellow because they precipitate sulfur.\nDoes the color have something to do with how they make a living?\nCarotenoids are produced by photosynthetic microbes to protect the photosynthetic machinery from excessive light and so the carotenoids could be used for some sort of protection mechanism. What the mechanism is I don't know.\nDo the bacteria here form communities of organisms?\nIn a matter, it's like a symbiosis. The photosynthetic organisms are your primary producers, but some of them are aerobic primary producers; some are anaerobic primary producers. When there's no oxygen, they can still produce, use light energy. When there is oxygen, they can still use light energy so there's a lot of primary production going on at that level. They then supply carbohydrates for the heterotrophs, for the next level down, and so there's a lot of communication.\nIn the mats at Octopus, in addition to giving each other food, basically, they also create some structure so one group of organisms actually creates the mat structure in which the other organisms can live. They're held in there, otherwise they would just flow out. There are some filamentous organisms that really cause the structure and then these other organisms just sit in there in that matrix. It creates the environmental conditions, a little house for those other organisms.\nWhy don't they just keep growing?\nThey will not just keep growing and growing because they'll be limited by light, for one thing, so the top layers are ones that are going to be able to photosynthesize, and so eventually the ones down below are going to decompose, and the matrix is going to break down; you'll get a certain height but it won't just keep growing.\nDo microbes help decompose the mat?\nProbably at the base of the mat, mainly, at the bottom where there's not enough light. Mostly the organisms there are decomposers, so they're breaking down the mat using the organic carbon for their own growth. A lot of those are going to be anaerobic organisms that cannot use oxygen.\nWhat is the difference between thermophiles and extreme thermophiles?\nThere's a pretty superficial delineation between thermophiles and extreme thermophiles or they're called \"hyperthermophiles.\" A thermophile is an organism that grows between 45 and about 80 degrees Celsius. A hyperthermophile is an organism that grows best above 80 degrees Celsius.\nSo T. ruber would be referred to as a hyperthermophile whereas the black filaments that we work with in Yellowstone grows best at 70 degrees so it is actually a thermophile.\nWhat did you do with the samples you collected before and what do you do with them now?\nUntil fairly recently probably about 20 years ago, the only way that we could identify a microbe is [by looking] under the microscope. You see this community of organisms, you see a little blob and a little rod and a little blob and another little rod and a little blob.\nHow do you distinguish between organisms that have no physical shape differences. The only way that we could do that until very recently was to try and grow those organisms from the environment. But just try to second guess what these organisms like to eat from the environment. Do they want carbon dioxide? It's really hard to second guess what these organisms require and they're very complex communities, like the mat they're feeding each other, so they're communicating with each other what they need.\nTo try and figure out how to grow them is not a trivial process and so, consequently we've only been actually able to grow less than perhaps 1% of all the organisms you see under the microscope. And that's just because we've been very selective.\nWhat are the new tools you use today for identification?\nThe bottom line is until recently microbiologists couldn't be like biologists. Biologists can go into the field and they can identify a bison or a fireweed. We couldn't. But now we can. New tools have been developed, they're molecular based tools that enable us to go into the environment and actually identify the organisms. These are based on a diagnostic gene within the genome of each organism that we share with all microbes. Everybody has this gene called the small subunit ribosomal RNA gene. It's part of the ribosome. The ribosome is essential for protein synthesis and we all need proteins. Protein synthesis has been around since the beginning of life and so this gene that is part of the ribosome is probably evolutionary conserved. [This gene] enables us to relate different organisms to each other based on the gene sequence.\nHow was this gene discovered?\nThrough the work of Carl Woese who had been doing a lot of work on ribosomes and understood these basic evolutionary mechanisms of protein synthesis. Why [did] he chose this specific gene? He originally started with a smaller gene, but that had less information than this gene. These are all essential parts of protein synthesis, a part of the ribosomes.\nThere's another one that's called a 23S. The one we're working with is called the 16S and then there's another one called 5S. Each one is bigger and bigger-the bigger the gene is the more information it has. The more information you have, the more data you have to compare different organisms so you get a much finer resolution of the relationships of how many changes have occurred of evolution.\nCan you grow T. ruber in the lab?\nWe can now grow T. ruber in the lab and that was actually based on first going to the environment, figuring out what those pink filaments were using the 16S ribosomal RNA gene. The way we do that is to go to the environment, we get the community and extract the DNA from all the different genomes of that community. We then obtain the small subunit ribosomal RNA gene-the 16S ribosomal RNA gene-from each of those different organisms in that community. We then sequence that gene and by comparing that gene with all the other organisms in the database, we're able to place that organism in a family tree of life. We were able to show that the pink filaments were closely related to another organism called aquaficales and this uses hydrogen and oxygen and carbon dioxide to grow. Then we try to grow them under those conditions and sure enough they were grown in the lab under those conditions without the 16S.\nHow did you isolate the 16S rRNA?\nWe extract the DNA from the sample from Yellowstone. [We] break open the cells using detergents or some sort of physical means-the cells just pop open and you separate the DNA from the proteins. Now you've got DNA from all these different organisms. Then you use a Polymerase Chain Reaction (PCR) to actually find the 16S ribosomal RNA gene in the genome.\nThe way you do that is you use little tags or little molecules that can actually find it. They basically bind to the DNA on either end of the gene and then you use PCR which uses an enzyme called \"tac polymerase.\" It makes many, many copies of that single gene. What was once basically a needle in a haystack now suddenly becomes this huge amplified single gene in your test tube.\nIs this sample the genes of just one organism?\nNo, you've got the 16S genes from all these different organisms. You've got the 16S from this little rod bacterium and you've got the 16S from this little round bacterium, you've got this little 16S from the little squiggly one and they're all in the same tube.\nNow you have to separate out those genes because what you want to be able to [do is] sequence that information. [This] information is then used to generate this big tree.\nYou separate them out using a bunch of different techniques. One of them is cloning and the other one is called gel electrophoresis and it separates out the genes on a gel. You can actually see the genes on a gel and you know that each gene is from a different organism.\nOnce you've separated them out with whatever method you sorted with, you then obtain the DNA sequence of that gene, and that's the identity. That's the fingerprint of that organism.\nThe fingerprint is the sequence?\nYes, it's the identifier. Once you have that DNA sequence, you've got the identity of the organism. When you [have] 1,300 or 1,400 bits of information, which is the DNA sequence, you can actually find parts of that DNA sequence that are absolutely unique to that organism. Then you can design another piece of DNA based on that information-something called a \"probe\" -and you can make a piece of DNA, the machines will do that for you.\nYou add a fluorescent tag to that and you go back to the environment. The bottom line is you don't know where these DNA sequences come from. So you want to say, \"this unique sequence that I have that's called EM17-where did that gene come from? Which organism?\nThe way we do that is something called \"hybridization.\" You make the cells permeable and this little probe with the fluorescent marker goes into the cell. It finds its match because there are lots of ribosomes (lots of 16S RNA molecules). When it sees its match it binds and it won't bind to organisms where there's no match. It will then light up.\nWhat are you looking for when comparing organisms?\nWhen we're comparing these different sequences, we're looking for differences between the organisms. The more differences there are in the sequence, the more different the organisms are, the more they've diverged from each other. The less differences, the more similar they are to each other, and so that will show up in the family tree. There will be short branches and there will be closely related and those have less differences than the longer branches.\nHow does this help us know about evolutionary differences?\nThere are a number of computer programs that enable us to convert this difference in the nucleotides into an evolutionary difference. Those methods enable us to actually generate this evolutionary tree of life.\nHow has the tree of life changed with regards to this new technology?\nWe now know for a fact that there aren't five kingdoms of life, we know-and it's very well established-that there are three domains of life, the bacteria, the archaea, and the eukaryotes. The bacteria and the archaea are the prokaryotes. They're both organisms without a cell nucleus. They're as different from each other in this tree of life as we are from them.\nWhat are the differences between bacteria and archaea?\nThere are numerous differences between archaea and bacteria. Most of the differences are based on chemicals. For example, the cell wall structure is very different. In the cell wall, all bacteria have peptidoglycans whereas the archaea do not have that. They have very different RNA polymerases. They have different ways in which they do some of the basic functions of the cell. They share with each other the basic morphology in terms of being simple, single celled organisms. They share a lot of other kinds of basic genes.\nAre archaea more closely related to eukaryotes or bacteria?\nArchaea are probably more closely related to us than we are to bacteria. Archaea are really good model systems to study some of the basic functions of our own cells, things like translation and transcription. There are a lot of similarities, and so a lot of studies are done on archaea because they're very easy to manipulate compared to eukaryotic cells.\nWhy is microbial diversity so vast?\nThere's a huge microbial diversity because microbes have developed the ability to use almost every energy source that there is available on Earth-where there's energy there will be a microbe. Eukaryotes have a much more limited ability to use different energy sources, basically light and organic carbon and that's about it.\nWhat are the big surprises in your research?\nThe big thing that drives my research is that whenever we come back from a field trip, we always come back with big surprises, brand new branches of life that we never realized existed. What are they? How are they making a living out of those conditions? Those are the [questions] that drive me to try to figure that out.\nThe other thing is [that] a lot of the time we don't understand the communication between microbes. [We need] to figure out what are the interactions between different kinds of microbes and how do they influence each other, i.e., social behavior. A lot of time microbiologists try to separate organisms as single isolates but I think that's actually caused us to ignore some of the more important organisms because they need each other. [As] an example, there is one organism-a thermophile- that you can grow only if you grind up another thermophile: there's something the other thermophile's producing that this thermophile needs.\nThe average person on the street is going to ask why you care so much about what microbes do for a living and why should we care?\nBecause if you took them away you wouldn't be here. This is one of the big questions that I'd want my students to be thinking about. I want them to be challenged by questions, so a lot of the time I will feed them with something I am very interestedin and see where they go with that. I always hope they will go beyond what I'm thinking. I am hoping they are going to ask me questions that I don't know answers for because that's going to challenge me.\nActually that's part of the fun thing of being a professor: you have students who are continually challenging your knowledge. But also your wonderment of nature because they'll see things. I see things in a certain way even though I try not to be myopic and colleagues and students in particular can come and see things at a very different angle. That's what makes science so exciting, because you've got different ideas from different angles sort of congealing in a very big picture.\nSo what are some of the unanswered questions in this field?\nSome of the real big unanswered questions are, how did life originate? We really have no idea. We don't know how early life evolved, really. What the steps are, whether thermophiles came first or whether chemolithoautrophs or heterotrophs werefirst. Those are huge questions.", "label": "No"}
{"text": "Drink Up: Why Clean Water is So Important for Your Health\nAt some point in your life, probably during a high school science class, you might remember being told that your body is made up of mostly water. That “mostly” translates to an actual percentage. For example, babies are born consisting of 70% water, whereas adults’ range between 50-65% depending on age and daily water consumption.\nSo, why aren’t we splashing down the street, leaving little puddles trailing in our wake? It’s because all that water has a job. Well, many jobs actually. The H20 we’re consuming is hard at work making sure our bodies are performing at their best.\nWhat Does Water Do For Our Bodies?\nThe first thing to understand about water is that, rather than being digested, it actually gets absorbed. Water heads down the esophagus and into the stomach, but instead of interacting with our stomach acids to initiate the digestive process, it gets absorbed into the bloodstream primarily through the small intestine.\nIn addition to aiding our digestive process, water has countless other functions. First, it acts as a thermostat within our bodies helping to regulate temperature. When you get hot, hydration creates perspiration, which is one of the body’s tricks for ridding itself of toxins. Water is also essential for urination and bowel movements. Together, these 3 functions represent your built-in body detox system.\nSkin health happens from the inside out, and hydration is a crucial part of maintaining a healthy complexion. It helps your skin stay bouncy and plump by preventing trans epidermal water loss. Water helps oxygenate your blood and improve cell function throughout your entire body, and it acts as a joint lubricant, so your body moves easier as you age.\nWhy Water Quality Matters\nDrinking clean water is just as important as eating clean, whole foods. That’s because water, despite its crystal-clear appearance, is packed with essential minerals. Your body depends on these minerals in order to function. When contaminants are present, it puts more pressure on your body because it must work harder to filter out contaminants.\nThat begs the question: What kind of water should you be drinking?\n6 Different Types of Water\nIf you’ve ever caught yourself staring blankly at the water aisle in the grocery store and found it completely overwhelming, then you’re not alone. Analysis paralysis is real, whether you’re choosing from 7 types of Greek yogurt or 9 varieties of kombucha. So, what is the actual difference between the types of H20 you see on the shelves?\nBasic tap water that flows from your sink can seem harmless enough. But this all depends on where you live, the water source, and how it’s treated. In an industrial world, unfortunately, water contamination is all too common. The WHO lists a host of diseases such as cholera, diarrhea, and dysentery that have all been linked to contaminated drinking water.\nSo, what about all those bottles on the shelf? Are they any better?\nSpring water is usually what you’ll find in all those plastic bottles at the store. The labels often paint a picture of a pristine mountain spring, but as some studies have shown, those claims are often exaggerated, and the industry itself is under-regulated. According to an investigation conducted by the non-profit Environmental Working Group, you can’t always believe what you read on the label.\n“Unlike tap water, where consumers are provided with test results every year, the bottled water industry is not required to disclose the results of any contaminant testing that it conducts.”\nGlacier water comes with similar caveats. It’s supposedly bottled at a crisp, cold glacial source that’s free from industrial contaminants. That doesn’t mean it’s free of potential biological contaminants, however. Depending on the purity of the source, it can contain mineral levels that are too high, and potential bacteria and viruses that could result in gastrointestinal discomfort.\nOften sourced in places like Hawaii, the main selling point of volcanic water is that it’s been naturally filtered through volcanic stone. For this reason, it has a higher pH (above 7), making it alkaline. This is said to help neutralize body acidity, which in theory, is helpful for acid reflux and some digestive issues. The jury is still out on whether or not there’s any substantiated truth to these claims.\nAn ionizer is a device that’s used to ionize regular tap water, increasing its pH to make it more alkaline. There are claims that alkaline water is better for your complexion, aids digestion, and hydrates you more effectively. However, there’s no evidence as of yet that has been able to validate the perks.\nReverse Osmosis Water\nReverse osmosis is a filtering process that removes unwanted chemicals and contaminants from your drinking water. It is effective, but sometimes, it’s actually too effective. It also filters out the beneficial minerals that your body needs. According to experts, it’s a safe way to make potable water when you’re in a pinch, but it’s not ideal for everyday drinking because it doesn’t provide enough nutritional value.\nHow to Sip From the Best Source\nWith so many choices and so much marketing spin, it’s hard to know which type of water you should have at home. The truth is that it’s largely up to the consumer to do the digging for themselves. So, don’t put yourself through the analysis paralysis. Instead, just do your homework and learn about the best options for quality drinking water where you live.\nThe best way to know what’s in the water you’re drinking is to check it on the website My Tap Water. Just search in your zip code. Additionally, there’s a family-run website called TestAqua that put together lengthy, unbiased reports of some of the most popular brands of drinking water, and they provide water quality reports by region. Consumer Reports has also created a robust list of 120 brands that can help you determine if your favorite brand is fulfilling its promises.\nPut Down That Plastic\nWhichever type of water you choose, there should be one hard and fast rule you abide by: ditch the plastic. Not only is the use of plastic water bottles bad for the environment, but it’s also bad for your health. Microplastics and other contaminants can seep into your drinking water, and this process is exacerbated when plastic is exposed to heat. If you buy water for your home or on the road, always reach for water packaged in glass.\nHow Much Water to Drink Daily\nA quick online search will lead you to believe that no one really knows how much water you should be drinking daily. The numbers are wildly divergent depending on the source. A 2001 study determined that the Watson Formula provided the highest accuracy because it takes several personal factors into account.\nHere’s how to calculate how much water you should be consuming daily:\nWatson formula for men\n2.447 – (0.09145 x age) + (0.1074 x height in centimeters) + (0.3362 x weight in kilograms) = total body water (TBW) in liters\nWatson formula for women\n–2.097 + (0.1069 x height in centimeters) + (0.2466 x weight in kilograms) = total body weight (TBW) in liters\nIf you don’t feel like dusting off your calculator, then a good rule of thumb is to try and get at least 64oz daily. If you have a job that’s physically demanding or you work out every day, then you’ll want to consume a bit more.\nThe Best Water is Clean and Consistent\nWhen it comes to choosing the water you drink at home, just remember that better water means a better-functioning body. First, be sure you’re drinking enough water. And the single most important factor in the water you choose to drink is whether it’s clean. These resources will help you find a clean, reputable source near you.\nFor more information about your unique hydration needs and sourcing the cleanest drinking water near you, reach out to us to set up a consultation. We can help!\nTo discover how Functional Nutrition can help you with health and gut issues you may be experiencing, contact our team: https://projectyoubewell.com/wellness-services/", "label": "No"}
{"text": "Each category is presents a level of morbidity and mortality information or wellness risk. If the BMI Calculator reads below 18.5 you are regarded underweight, when it says between 18.5 to 25 you are at an ideal fat; if the BMI Calculator reads 25 to 30 your are over weight, when it says 30 or above than you are considered fat (over 40 morbidly obese). Patients that report above a 30 certainly are a major issue of the medical profession. Reports have shown that being overweight can make a splash on your current health. These same studies show how obesity is reducing our average living span.\nConsidering that the medical occupation has had the oppertunity to link both together they have removed on a crusade to instruct persons how they can change their lives. That being obese doesn’t have to be a demise sentence. Everything begins with the tiniest of changes. First, visit you are my medical practitioner and have him use his Bmi berekenen to determine which group you drop into. If you are on the heavier area of the scale, it is additionally vital to keep in touch with him about your options.\nThere is a great percentage of the people that is very new to what a Bass Mass List (BMI) is. They do not realize how important that index is to their over all health. The BMI index is what doctors use to find out a persons body fat or health percentile ranking. By using a BMI calculator they may calculate a person overall body weight and fat density.\nThe process doesn’t calculate the human body fat directly, however the rating does correlate with an immediate way of measuring human anatomy fat. Applying a BMI measurement is considered really low priced and easy set alongside the option of spending a company to execute a primary excess fat test.\nThe BMI index works on the individual fat and height to find out their general health percentile ranking. The standing is age and sex-specific, and not really a genetic reading. Following combining a person age and fat, the BMI calculator assigns lots to different categories. The groups are than rated by levels such as for instance; underweight, healthy weight, heavy and obese. The BMI calculator is not a diagnostic instrument, but a gage on a person’s morbidity and/or mortality risk. A physician will have the ability to gage if a person fat creates a health risk.\nAll of us know that eating proper and training is the key component. However, this isn’t the simplest way for many American’s to take. Carrying out a fad diet of searching for a magic tablet is generally only a short-term fix. You’re speaing frankly about the remainder of your daily life, therefore when you take a seat along with your physician ask him about all the options available to you. That could contain some uncomfortable possibilities, but modify can be really beautiful.\nGeoff Master may be the Sales Manager and webmaster several Hospiatel website’s. He has built an on line BMI Calculator where you are able to check out our BMI Calculator and he attracts you to go to his extensive Aesthetic Surgery web site which he bags packed with helpful information.", "label": "No"}
{"text": "The Eucharist as The Lamb's Supper\nfrom a talk by Scott Hahn\nOne of the most important ways that the Old Covenant foreshadows the New is in its use\nof the image of the sacrificial lamb. Let's see how this relates to the Eucharist in\nFirst, take a look at Revelation 5. In Revelation 5, there is a scroll with seven seals\nthat nobody can break open and everybody is really upset. In fact John almost begins to\ncry. In 5, verse 2, \"A strong angel proclaimed with a loud voice, 'Who is worthy to\nopen the scroll and break its seals?' And no one in heaven and on earth or under the earth\nwas able to open the scroll or to look into it.\" What is the scroll? The word is\nbiblion. Most likely it's a reference to a covenant document, the New Covenant document\nthat nobody is worthy to break open. \"And I wept much, but no one was found worthy to\nopen the scroll or to look into it,\" because this scroll would consummate and fulfill\nthe promises of the Old Testament.\n\"Then one of the elders said to me, 'Weep not. Lo, the Lion of the tribe of Judah,\nthe Root of David, he has conquered so that he can open the scroll and seven seals.'\"\nYou could almost feel the hallelujah rising up from within your soul. The Lion of the\ntribe of Judah! You turn. You look and John turns to look and what does he see in verse 6,\n\" And between the throne and the four living creatures and among the elders I\nsaw,\" what? Aslan, the lion? No. David crowned with glory? No. You'd think so, a lion\nand a king are the words used to describe it. \"I turned and I saw a lamb standing,\nlooking as though it had been slain.\"\nJesus Christ is the son of David and the king of the new and heavenly Jerusalem. He is\nthe Lion of the tribe of Judah and He is the Lamb of God, slain from the foundation of the\nworld, as it said elsewhere in Revelation. But here in heaven on the throne of glory,\nafter His crucifixion, Hs resurrection, His ascension, His enthronement, He still looks\nlike a lamb. He still looks as though He had been slain. Why not clean up the body? Why\nnot wipe away the wounds? Why continue resembling a lamb? Because He's continuing the\nPassover offerings, the sacrifice. Not by dying, not by bleeding and not by suffering but\nby continuing to offer up Himself as the firstborn and as the unblemished lamb, as the\nperpetual, timeless, everlasting sacrifice of praise to the Father.\nAnd what do the people do? They rejoice and they break out into a song. And what is the\nsong, \"Worthy art thou to take the scroll and to open its seals for thou was\nslain.\" Past tense, \"And by thy blood didst ransom men for God from every tribe\nand tongue and people and nation.\" And what has he done? He's become a priest to be\nsure, but for what purpose? \"He has made them a kingdom and priest to our God.\"\nHe has made those whom he has saved priests. And what do priests do? They offer sacrifice.\nHas Christ's sacrifice ended all sacrifices? No. Christ's sacrifice has ended all\nineffective, bloody animal sacrifices that never did anything anyway. Now for the first\ntime in history we can really begin to offer sacrifice to God. Romans 12 says, \"Offer\nyour bodies as a living sacrifice, holy and acceptable to God.\" And it wouldn't be\nholy and acceptable except that it's united to Christ's perpetual sacrifice. He's not\nbleeding. He's not dying. He's not suffering, but he is offering a sacrifice as a lamb\ndoes, as a priest king does continually, forever.\nAnd that's what it's all about. John wouldn't see a lamb looking as though it had been\nslain if the whole kit and caboodle was completed and done. Yes, it's completed and done,\nbut it's still going on, and it's going to go on forever in the future. Why? Because Jesus\nChrist is the same yesterday, today and forever, as Hebrews tells us.\nNow, is this strange? Is this teaching novel? Well, let's take a look at 1st\nCorinthians and see how natural it seems to the apostle Paul. We have already looked at\n1st Corinthians 5, \"Christ, our Passover,\" that's in verse 7, \"Christ, our\nPaschal Lamb has been sacrificed. Let us therefore celebrate the festival not with the old\nleaven, the leaven of malice and evil, but with the unleavened bread of sincerity and\ntruth.\" What's he talking about? Is he talking about leaven being like sin. No. He's\nsaying let us celebrate the feast with unleavened bread. What feast? The Eucharist! The\nsacrifice continues because communion must be celebrated. We've got to eat the lamb, the\nresurrected, glorified, enthroned lamb that still looks as though he'd been slain because\nhe's still giving himself to us.\nTurn over with me now to Corinthians, chapter 9, verse 13. He says, \"Do you not\nknow that those who are employed in the temple service get their food from the temple and\nthose who serve at the altar share in the sacrificial offerings in the same way the Lord\ncommanded. That those who proclaim the gospel should get their living by the gospel.\"\nNow we might be tempted to read Corinthians 9, 13 and 14 and say, \"Well, back in the\nOld Testament they did temple service and altar service and sacrifice, but now in the New\nTestament they only proclaim the word.\"\nThe problem with that is that Paul goes on to say, Corinthians 11, as we will see, how\nChrist's death is proclaimed. Take a look with me at 1st Corinthians, 11:23-26. \"For\nI received from the Lord what I shall deliver to you.\" Interesting, he received it\nnot from Peter and the apostles. When Jesus appeared to Paul on the road to Damascus or\nperhaps at some other time, what did Jesus deliver to Paul? Instructions for the\nEucharist. \"I received from the Lord what I also deliver to you. That the Lord Jesus\nChrist, on the night when He was betrayed, took bread, and when He had given thanks, He\nbroke it and said, 'This is my body, which is for you. Do this in remembrance of me.' In\nthe same way also the cup after supper saying, 'This cup is the New Covenant in my blood.\nDo this.\" Commandment, imperative tense. \"As often as you drink it in\nremembrance of me. For as often as you eat this bread and drink the cup, you proclaim the\nLord's death until He comes.\"\nYou proclaim the gospel. Let's go back then to Corinthians 9, verse 14, \"In the\nsame way the Lord commanded that those who proclaim the gospel should get their living by\nthe gospel.\" How does Paul proclaim the gospel? Just by preaching? Or by celebrating\nthe Eucharist? \"As often as you do this, you proclaim the Lord's death until He\ncomes.\" That's the gospel. Paul is talking in verses 13 and 14 about how he should be\nsupported as an apostle and he does so in conjunction with temple service at an altar\nwhere there is sacrificial offerings which he as an apostle has the right to receive from.\nWhat's he talking about? A New Covenant temple? A New Covenant altar? A New Covenant\nsacrifice where he proclaims the gospel by celebrating the Eucharist.\nNow let's go on to Corinthians 10 and get things straight really quickly here because\nCorinthians 10, gives us a proper warning. In the first ten verses of Corinthians 10, Paul\nsays that back in the Old Testament with Moses, verse 3, \"They all ate the same\nsupernatural food and all drank the same supernatural drink.\" The water from the rock\nand the manna in the wilderness and both, Paul says in a sense, were signs of Christ's\npresence among them. Nevertheless, verse 5, \"with most of them God was not pleased\nfor they were overthrown in the wilderness.\"\nIn the next three verses he describes the Golden Calf incident where thousands of them\ndied. In other words just because you receive supernatural food and drink doesn't mean\nyou've got it made in the shade. You have to set things right with God and keep things\nright with the Lord. Verse 11, \"Now these things happened to them as a warning, but\nthey were written down for our instruction upon whom the end of the ages has come.\"\nWe now have a greater and much more supernatural food and drink. So we can relax? No.\nWe've got to be even more circumspect in searching out our hearts and making sure we are\nright with God.\nHe goes on in verse 16, \"The cup of blessing which we bless, is it not a coenia, a\ncommunion, a participation in the blood of Christ?\" Not a symbol. But a share, a\ncommunion. The bread which we break , is it not a coenia, a communion in the body of\nChrist. \"Because there is one bread, we who are many are one body for we all partake\nof the one bread.\" He doesn't mean to say that there's one enormous loaf that we all\ntake a piece from. There are many loaves of bread. There are many breads in that earthly\nsense, but there's only one bread in the heavenly sense, and that's Christ. Because we\nreceive from one bread Christ, the Bread of Life, we who are many become one body, namely,\nthe Body of Christ. He's suggesting that we become what we eat.\nHe goes on to contrast our sacrifice with other sacrifices and he says, verse 18,\n\"Consider the people of Israel. Are not those who eat the sacrifices partners in the\naltar?\" What he is saying is back then when you eat the sacrifice, you have a\ncommunion in the altar of those animals. Now we have a communion on all of our altars in\nthe New Covenant with Christ, the Lamb of God. Verse 21, \"You cannot drink the cup of\nthe Lord and the cup of demons. You cannot partake of the table of the Lord and the table\nof demons. Shall we provoke the Lord with jealousy? Are we stronger than he?\" For\nsome reason God takes this with the utmost seriousness. Why?\nCorinthians 11, he spells it out even clearer. We've already read verses 23 through 26.\nNow we can conclude with verse 27 where he says, \"Whoever, therefore, eats the bread\nand drinks the cup of the Lord in an unworthy manner will be guilty of the Body and the\nBlood of the Lord.\" Now that language is actually like civil judicial language.\nSomebody who's practically guilty of murder or capital offense is guilty of the body and\nblood. Now if it's only a symbol, he might be guilty in some lesser sense, but when you\nprofane the Lord's Supper, you actually become guilty of profaning the Body and Blood of\nthe Lord. \"Let a man examine himself, therefore, and so eat of the bread and drink of\nthe cup. For anyone who eats and drinks without discerning,\" -- the symbolism? No.\n\"...the body, eats and drinks judgment upon himself.\"\nNow is he just speaking metaphorically? He couldn't be because in the next verse he\nsays, \"That is why many of you are weak and ill and some have died.\" To receive\nthe Eucharist in a state of mortal sin is playing with fire of the worst sort. He goes on\nin chapter 12, verse 12, \"For just as the body is one,\" the Church, that is,\n\"...and has many members and all the members of the body though many are one body, so\nit is with Christ for by one Spirit we were all baptized in the one body.\" When we\nreceived the water of Baptism, we received the Spirit of God. \"And all were made to\ndrink of the one Spirit.\" When we receive Eucharist, Communion, we receive the Spirit\nas well as the flesh and the blood and the body, soul, humanity and divinity of Christ.\nThis is significant, very significant. This, in fact, gives us the whole interpretive\nkey to the Book of Revelation. Many non-Catholic as well as Catholic scholars have noticed\nthat the whole structure of Revelation is a big Passover liturgy where Christ, the Priest\nKing, the firstborn Son and the Lamb looking as though it's been slain conducts and\ncelebrates the heavenly liturgy. And the earthly liturgy is meant to be a reflection in\nthat, a participation in that, and the early Church took it for granted. There is the Lamb\nlooking as though it's been slain and making all of the people in heaven priests so they\ncan assist in the offering of the firstborn son of God to the Father and join themselves\nAbridged from Scott Hahn's audio and video tape presentation,\n\"Eucharist: Holy Meal\" as it appears in the \"Catholic Adult Education on\nVideo Program\" with Scott and Kimberly Hahn.\nFull text available in our library.\nSt. Joseph Communications\nBoth the individual audio and video cassettes and the entire 20 cassette\nlibrary, complete with study guides, are available from:\nPO Box 720\nWest Covina, CA 91793\nElectronic text (c) Copyright EWTN 1996. All rights reserved.", "label": "No"}
{"text": "Learn More About\nVEHICLE SAFETY FEATURES\nAbout The Program\nEver wondered why ABS makes the noise that it does? Or how electronic stability control keeps your car on the road if you accidentally take that corner a little too fast?\nStudies show that vehicle safety features can prevent crashes and injuries, especially when combined with safe driving practices. However, the majority of Canadian drivers are unfamiliar with newer safety features that are available, how they work, and when they would be useful.\nBrainonBoard.ca is your one-stop-shop to learn about the many vehicle safety features that are rapidly becoming standard on vehicles, and how to maximize the protection they provide by combining them with safe driving behaviours. This new program, launched in January 2013, shares the facts about safety features and safe driving, and tackles the myths and misconceptions about them so that drivers can stay safe on the road. The program is designed to share knowledge about the best ways for drivers to interact with safety features and contains a variety of user-friendly tools, including radio public service announcements, informative posters, fact sheets and question and answer pages.\nKeep an eye out for updates to the site and come back often to learn more about your vehicle's safety features.", "label": "No"}
{"text": "The Greatest Purveyor of Violence in the World\nToday Obama enjoys his inauguration bash. It is also Martin Luther King Day, and the president was sworn in on the Civil Rights leader’s own Bible.\nAcross the spectrum, Americans celebrate King’s Civil Rights leadership. Yet he was just as prophetic and bold in opposing the U.S. war in Vietnam. He is less remembered for this, perhaps because it’s much easier for the government to co-opt the cause of racial equality, given the Civil Rights Act and other laws passed since, than it is for the government to co-opt his principled opposition to war, an issue that exposes the violent, destructive, and illiberal nature of federal power.\nIn recognition of King’s legacy, I would recommended readers peruse his stirring April 4, 1967, speech in New York, where he criticized American political leaders for grandstanding on domestic unrest while perpetuating far worse criminality in Vietnam. King condemned American war-making and concluded that until it is addressed, America’s internal problems with racism and violence would persist:\nI knew that I could never again raise my voice against the violence of the oppressed in the ghettos without having first spoken clearly to the greatest purveyor of violence in the world today—my own government. For the sake of those boys, for the sake of this government, for the sake of the hundreds of thousands trembling under our violence, I cannot be silent.\nFor those who ask the question, “Aren’t you a civil rights leader?” and thereby mean to exclude me from the movement for peace, I have this further answer. In 1957 when a group of us formed the Southern Christian Leadership Conference, we chose as our motto: “To save the soul of America.” We were convinced that we could not limit our vision to certain rights for black people, but instead affirmed the conviction that America would never be free or saved from itself until the descendants of its slaves were loosed completely from the shackles they still wear. In a way we were agreeing with Langston Hughes, that black bard of Harlem, who had written earlier:\nI say it plain,\nAmerica never was America to me,\nAnd yet I swear this oath –\nAmerica will be!\nNow, it should be incandescently clear that no one who has any concern for the integrity and life of America today can ignore the present war. If America’s soul becomes totally poisoned, part of the autopsy must read: Vietnam.\nNot only has Obama failed utterly to rein in institutional racial inequality in the United States—instead intensifying the drug war and escalating deportations of illegal aliens—he has widened the indefinite war on terror to ever more theaters abroad. He tripled the U.S. presence in Afghanistan, vastly expanded the prison camp there, and started a unilateral war in Libya. He bombed Yemen and intervened in Somalia. He is on the brink of direct war in Syria and has tightened deadly sanctions on Iran. He has targeted American citizens for assassination and greatly escalated the drone bombings in Pakistan, killing thousands of civilians and hundreds of children. His policies have in multiple ways fueled the drug war violence in Mexico that has taken fifty thousand lives.\nProgressive Democrat Lyndon Johnson had more blood on his hands than does Progressive Democrat Barack Obama—so far—and if we look at the brutality of some democidal regimes throughout the world, the United States has some worthy competition for the distinction as “greatest purveyor of violence in the world.” But if you consider the sheer size of the American state, the authority it claims over most of the globe, the list of countries it has bombed, sanctioned, or bullied, the surveillance powers, the nuclear arsenal, the unparalleled defense establishment, the burgeoning prison population and militarized domestic policing, the U.S. government is sure on the short list of major belligerents.\nI don’t agree with everything Martin Luther King did or said, but I surely do agree that America will never get its house in order so long as it’s an empire at perpetual war. This kind of mass violence breeds conflict at home and worsens nearly every domestic problem, including the violence involving firearms that Obama has purported to address with new legislation.\nThe year after King’s speech, Lyndon Johnson signed the Gun Control Act of 1968. It did virtually nothing to disarm criminals, of course, but it did make lawbreakers out of peaceful Americans while stripping everyday people of the means to protect themselves. Obama seeks to go much further, pushing the most significant expansion of federal gun control legislation since at least the New Deal.\nInstead of disarming the American people and giving police and prosecutors yet one more tool to throw people in prison, Obama should follow King’s advice and stop contributing to mass violence himself. These wars only perpetuate the never-ending cycle of violence. It was, after all, U.S. Cold War intervention that helped give rise to radical Islam and terrorism in the Muslim world. Who knows what extremist violence Obama’s drones are inciting? Peace with the rest of the world would also go far in encouraging Americans to seek freedom and domestic tranquility, allowing a monumental reduction in government power and taxation, which a cynic might say is a big reason Obama doesn’t seek peace.\nKing prescribes several immediate steps the United States should take, including:\nNumber one: End all bombing in North and South Vietnam.\nNumber two: Declare a unilateral cease-fire in the hope that such action will create the atmosphere for negotiation.\nThree: Take immediate steps to prevent other battlegrounds in Southeast Asia by curtailing our military buildup in Thailand and our interference in Laos.\nI would carry over this advice to the present day: the United States ought to end all bombing of Pakistan and elsewhere, declare a unilateral ceasefire, and reverse the military buildup throughout the Muslim world.\nEventually, the United States left Vietnam in shameful defeat, having failed to stop Communism there, and having bombed Cambodia so terribly so as to give rise to Communism in that country in the form of the Khmer Rouge. Had Americans taken King’s advice in 1967, millions of people would have been spared. I only wish Americans would take his antiwar advice today. To do so requires demystifying Obama and his government. They are not the embodiment of Civil Rights. They are not the solution to domestic crime. They are, instead, among the “greatest purveyors of violence in the world.” How dare Obama tout King’s legacy today in celebration of his earth-shaking power, only to return to his office and carry out the very kind of violent hypocrisy that King so eloquently condemned?", "label": "No"}
{"text": "Breeding ecology, survival rates, and causes of mortality of hunted and nonhunted greater sage-grouse in central Montana\nDeclines in productivity have been implicated in population declines for greater sage-grouse (Centrocercus urophasianus) in several areas, but there is considerable variation in reproductive effort, reproductive success and female survival, both temporally and spatially, and more data are needed. Despite declining populations, sage grouse are still legally harvested in most of their current range, including Montana, and uncertainty about how harvest impacts sage grouse vital rates remains. The reproductive activity, survival rates, and causes of mortality of hunted and nonhunted sage grouse females were monitored year round using radio-telemetry in central Montana during 2004 and 2005. Data on nest survival and brood survival were also collected. Nest survival was greater for renests, 0.56, than for first nests, 0.32. Brood survival to 30 days posthatch was estimated as 0.79. Reproductive effort and reproductive success were higher in 2005. Female survival during the nesting season was constant, 0.94 monthly.Female survival during July of both years was similar on both sites, 0.99 to nearly 1.00, but survival was lower during August and declined between 2004 and 2005 from 0.94 to 0.84 on the hunted site and declined from 0.98 to 0.94 on the nonhunted site. This decline in survival between years in August was likely due to West Nile virus, as it was first detected in sage grouse in this area in August 2005. Female survival during the hunting season was lower for females that spent more days brood-rearing than those that spent few or no days brood rearing, and females on the hunted site had lower survival than females on the nonhunted site. However, lower survival rates on the hunted site could not be attributed to hunter kill, because no radio-marked females were bagged or reported by hunters and no evidence of hunter kill was observed. During the hunting season, monthly survival estimates ranged from 0.87 for hunted-site females that invested heavily in brood rearing to 0.99 for nonhunted-site females that invested little or no time in brood rearing. Overwinter survival was different between years, and monthly survival during winter 2004-05 was estimated as 0.98 and as 0.97 during winter 2005-06.", "label": "No"}
{"text": "Get ready to tweet to the cosmos.\nTwitter users around the world may be able to find followers 22 light-years away thanks to \"Tweets in Space,\" a project that hopes to beam 140-character missives to a potentially habitable planet this fall.\nDuring a live performance set for September 21 at the Albuquerque Balloon Museum, collaborators Scott Kildall and Nathaniel Stern plan to beam tweets carrying the hashtag #tweetsinspace all the way to GJ667Cc.\nScientists say the recently discovered planet has the potential to support some form of life.\n\"We look at it from the standpoint of democratizing deep space transmissions,\" Kildall told the Daily News. \"All tweets sent during the performance, whether you're at the event or at home on your computer, will be transmitted.\"\n\"We thought it would be worthwhile to show the sea change in how information is broadcast in our culture,\" he added.\nKildall and Stern expect to send out their interplanetary Twitter feed via a high-powered radio transmitter. They hope to pay for the gear with donations they collect via the fundraising website rockethub.com.\nSo far, they've amassed nearly $1,600 of the $8,500 they say they'll need to beam the messages a distance of five light-years.\nThere hope is that five light years is far enough into space for any ET's on GJ667Cc who might be tuning in to pick up the signal.\n\"We're making some assumptions about their listening technology,\" Stern told the Daily News. \"We're assuming a similar intelligence to our own can pick out patterns.\"\nA light-year is the distance light travels in a year, or the equivalent of 5.88 trillion miles.", "label": "No"}
{"text": "Benson Hill Teams Up with The African Orphan Crops Consortium to Combat Malnutrition Through Underutilized Crops\nCrop Design Platform will play a vital role in empowering African plant scientists to develop healthier, diverse, and more nutritious food\nNewswise — ST. LOUIS, MO—January 14, 2019—Benson Hill Biosystems, a crop improvement company unlocking the natural genetic diversity of plants, is joining the African Orphan Crops Consortium (AOCC), to contribute vital genomics training and the power of its CropOS™ design platform for long-lasting solutions for Africa’s nutritional security. The AOCC is hosting a workshop during the International Plant & Animal Genome XXVII Conference, the largest agricultural genomics meeting in the world, taking place in San Diego, Jan. 12-16, 2019\n“The goal of AOCC is to improve the productivity and sustainability of highly nutritious crops that are critical to the health and livelihood of African farmers and consumers through the adoption of modern breeding methods,” Howard-Yana Shapiro, Chief Agricultural Officer, Mars, Incorporated. “The user-friendly interface and predictive power of Benson Hill’s Breed™ application, powered by its CropOS platform, will accelerate the ability of African scientists to develop better seeds and improve the diets of Africa’s children,” Allen Van Deynze, Director of Research, Seed Biotechnology Center, University of California, Davis and Scientific Director of the African Orphan Crops Consortium.\nThough there are over 30,000 edible plant species on the planet, two-thirds of global calories are derived from just five crops, which have received the majority of R&D attention. The African-led AOCC is sequencing the genomes of 101 highly nutritious crops at the heart of cultures across the continent that are staples to 250 million smallholder farmers. Established by the New Partnership for Africa’s Development (NEPAD), Mars, Incorporated, World Agroforestry and UC Davis in 2011, the consortium makes the genetic information about these crops publicly available free to use by anyone without patents or restrictions.\nThe AOCC is also training 150 of Africa’s plant breeders in the latest strategies in plant breeding, statistics and quantitative genetics including application of genomics in crop development. “Training local scientists to translate the genomic information into tangible benefits for farmers and consumers is a key component of the project,” said Rita Mumm, Director of the African Plant Breeding Academy developed and operated by UC Davis. “Benson Hill’s computational platform will ensure the 150 African plant breeders we are training can access the most advanced technologies and scientific knowledge available to support critical decisions for crop improvement.”\nBenson Hill’s CropOS™ revolutionary crop design platform combines the most advanced data analytics and biological knowledge with cloud-based computing to empower organizations to develop food and ingredients with better flavor, nutrition and environmental sustainability. CropOS uses Artificial Intelligence to improve with every data set, enhancing the platform’s ability to predict biological outcomes and accelerate product development.\n“The African Orphan Crops Consortium empowers local scientists to leverage the natural genetic diversity of plants to improve food production, an objective that fits squarely with our purpose and values,” said Matt Crisp, CEO and co-founder of Benson Hill Biosystems. “We are thrilled to partner with local and international organizations that respect the role food plays in the health of people, our planet and in the celebration of culture.”\nAbout the African Orphan Crops Consortium\nThe consortium’s goal is to sequence, assemble and annotate the genomes of 101 traditional African food crops, which will enable higher nutritional content for society over the decades to come. The resulting information will be put in the public domain with the endorsement of the African Union New Partnership for Africa’s Development (NEPAD), Alliance for a Green Revolution in Africa (AGRA), Agricultural Research Council (ARC), Benson Hill Biosystems, Biosciences Eastern and Central Africa – International Livestock Research Institute (BecA-ILRI), BGI, CyVerse, Corteva Agriscience, Food and Agriculture Organization of the United Nations (FAO), Google Genomics, Illumina Inc., James Hutton Institute, Integrated Breeding Platform, LGC, Mars, Incorporated, Thermo Fisher Scientific, UNICEF, University of California, Davis, VIB-University of Ghent Center for Plant Systems Biology, Wageningen University, World Agroforestry, and the World Wildlife Fund for Nature.\nAbout Benson Hill Biosystems\nBenson Hill empowers innovators with a revolutionary crop design platform to develop healthier and more sustainable food and ingredients. Our CropOS™ platform combines machine learning and big data with genome editing and plant biology to drastically accelerate and simplify the product development process. More information can be found online at www.bensonhillbio.com. Follow us on Twitter at @BensonHillBio.", "label": "No"}
{"text": "[T]he atmosphere admits of the entrance of the solar heat, but checks its exit; and the result is a tendency to accumulate heat at the surface of the planet.\nMany online citations seem to attribute this quote (or so it appears) to a talk he gave in 1859 that was published in 1861 under the title “On the Absorption and Radiation of Heat by Gases and Vapours, and on the Physical Connexion of Radiation, Absorption and Conduction”. But this is not the correct citation.\nThe correct citation is John Tyndall, “On the transmission of heat of different qualities through gases of different kinds”, from the Weekly Evening Meeting of June 10, 1859, published in Notices of the Proceedings at the Meetings of the Royal Institution of Great Britain, Vol. III (1858-1862), pages 155-158. (The quote above appears on page 158.)\nHere is the Google Book version.", "label": "No"}
{"text": "The researchers modelled how molecular clouds are sucked into black holes\nAstronomers have shed light on how stars can form around a massive black hole, defying conventional wisdom.\nScientists have long wondered how stars develop in such extreme conditions.\nMolecular clouds - the normal birth places of stars - would be ripped apart by the immense gravity, a team explains in Science magazine.\nBut the researchers say stars can form from elliptical discs - the relics of giant gas clouds torn apart by encounters with black holes.\nThey made the discovery after developing computer simulations of giant gas clouds being sucked into black holes like water spiralling down a plughole.\n\"These simulations show that young stars can form in the neighbourhood of supermassive black holes as long as there is a reasonable supply of massive clouds of gas from further out in the galaxy,\" said co-author Ian Bonnell from St Andrews University, UK.\nTheir findings are in accordance with actual observations in our Milky Way galaxy that indicate the presence of a massive black hole, surrounded by huge stars with eccentric orbits.\nThe simulations, performed on a supercomputer - and taking over a year of computing time - followed the evolution of two separate giant gas clouds up to 100,000 times the mass of the Sun, as they fell towards the supermassive black hole.\nThe simulations show how the clouds are pulled apart by the immense gravitational pull of the black hole.\nThe disrupted clouds form into spiral patterns as they orbit the black hole; the spiral patterns remove motion energy from gas that passes close to the black hole and transfers it to gas that passes further out.\nThis allows part of the cloud to be captured by the black hole while the rest escapes.\nIn these conditions, only high mass stars are able to form and these stars inherit the eccentric orbits from the elliptical disc.\nThese results match the two primary properties of the young stars in the centre of our galaxy: their high mass and their eccentric orbits around the supermassive black hole.\n\"That the stars currently present around the galaxy's supermassive black hole have relatively short lifetimes of [about] 10 million years, which suggests that this process is likely to be repetitive,\" Professor Bonnell explained.\n\"Such a steady supply of stars into the vicinity of the black hole, and a diet of gas directly accreted by the black hole, may help us understand the origin of supermassive black holes in our and other galaxies in the Universe.\"", "label": "No"}
{"text": "Castañar de Ibor\nCtra. del camping s/n\n10340 Castañar de Ibor, Cáceres (Extremadura)\nThe fragile and spectacular nature of the underground environment\nThis cave is a genuine treasure of nature and is set in one of the most outstanding landscapes in Extremadura.\nIt was discovered by chance by a farmer in 1969. It is formed by ancient rocks approximately 500 million years old, and has spectacular interior ornamentation. The abundance and variety of the speleothems (mineral formations) which cover the ceilings, walls and floors of the chambers and galleries, is unique. Its chambers have names like “Snow-covered”, “White”, “Red”, “Chamber of the Flags”, “the Garden”, “the Library”, “the Corals” and “the Lakes” and offer an impressive spectacle of shapes and colours, in one of the most evocative underground landscapes in natural Extremadura. The formations include aragonite flowers, needles, arborescent crystallisations, stalactites, stalagmites and columns. It was declared a Natural Monument in 1997. The cave is currently closed to the public. However, it has a visitor centre where people can learn more about the natural characteristics of the area and can also (with the help of multimedia systems) go deep down into the world of underground caves, and visit a reproduction of the Castañar cave itself.\n- 建筑: Caves and tourist mines\n- 从 15 六月 到 14 九月\n从 周三 到 周日从 09:00 到 14:00 从 17:00 到 19:00\n- 从 15 九月 到 14 六月\n从 周三 到 周日从 09:00 到 14:00 从 16:00 到 18:00\nThe cave can not be visited, only the visitor centre.", "label": "No"}
{"text": "Each Racket module typically resides in its own file. For example, suppose the file \"cake.rkt\" contains the following module:\nThen, other modules can import \"cake.rkt\" to use the print-cake function, since the provide line in \"cake.rkt\" explicitly exports the definition print-cake. The show function is private to \"cake.rkt\" (i.e., it cannot be used from other modules), since show is not exported.\nThe following \"random-cake.rkt\" module imports \"cake.rkt\":\nThe relative reference \"cake.rkt\" in the import (require \"cake.rkt\") works if the \"cake.rkt\" and \"random-cake.rkt\" modules are in the same directory. Unix-style relative paths are used for relative module references on all platforms, much like relative URLs in HTML pages.\nThe \"cake.rkt\" and \"random-cake.rkt\" example demonstrates the most common way to organize a program into modules: put all module files in a single directory (perhaps with subdirectories), and then have the modules reference each other through relative paths. A directory of modules can act as a project, since it can be moved around on the filesystem or copied to other machines, and relative paths preserve the connections among modules.\nAs another example, if you are building a candy-sorting program, you might have a main \"sort.rkt\" module that uses other modules to access a candy database and a control sorting machine. If the candy-database module itself is organized into sub-modules that handle barcode and manufacturer information, then the database module could be \"db/lookup.rkt\" that uses helper modules \"db/barcodes.rkt\" and \"db/makers.rkt\". Similarly, the sorting-machine driver \"machine/control.rkt\" might use helper modules \"machine/sensors.rkt\" and \"machine/actuators.rkt\".\nThe \"sort.rkt\" module uses the relative paths \"db/lookup.rkt\" and \"machine/control.rkt\" to import from the database and machine-control libraries:\nThe \"db/lookup.rkt\" module similarly uses paths relative to its own source to access the \"db/barcodes.rkt\" and \"db/makers.rkt\" modules:\nDitto for \"machine/control.rkt\":\nRacket tools all work automatically with relative paths. For example,\non the comamnd line runs the \"sort.rkt\" program and automatically loads and compiles required modules. With a large enough program, compilation from source can take too long, so use\nraco make sort.rkt\nSee raco make: Compiling Source to Bytecode for more information on raco make.\nto compile \"sort.rkt\" and all its dependencies to bytecode files. Running racket sort.rkt will automatically use bytecode files when they are present.\nA collection is a hierarchical grouping of installed library modules. A module in a collection is referenced through an unquoted, suffixless path. For example, the following module refers to the \"date.rkt\" library that is part of the \"racket\" collection:\n#lang racket (require racket/date) (printf \"Today is ~s\\n\" (date->string (seconds->date (current-seconds))))\nWhen you search the online Racket documentation, the search results indicate the module that provides each binding. Alternatively, if you reach a binding’s documentation by clicking on hyperlinks, you can hover over the binding name to find out which modules provide it.\nA module reference like racket/date looks like an identifier, but it is not treated in the same way as printf or date->string. Instead, when require sees a module reference that is unquoted, it converts the reference to a collection-based module path:\nSecond, require implicitly adds a \".rkt\" suffix to the path.\nTo a first approximation, a collection is implemented as a filesystem directory. For example, the \"racket\" collection is mostly located in a \"racket\" directory within the Racket installation’s \"collects\" directory, as reported by\n#lang racket (require setup/dirs) (build-path (find-collects-dir) ; main collection directory \"racket\")\nThe Racket installation’s \"collects\" directory, however, is only one place that require looks for collection directories. Other places include the user-specific directory reported by (find-user-collects-dir) and directories configured through the PLTCOLLECTS search path. Finally, and most typically, collections are found through installed packages.\nMore precisely, racket/gui is provided by \"gui-lib\", parser-tools/lex is provided by \"parser-tools\", and the \"gui\" and \"parser-tools\" packages extend \"gui-lib\" and \"parser-tools-lib\" with documentation.\nRacket programs do not refer to packages directly. Instead, programs refer to libraries via collections, and adding or removing a package changes the set of collection-based libraries that are available. A single package can supply libraries in multiple collections, and two different packages can supply libraries in the same collection (but not the same libraries, and the package manager ensures that installed packages do not conflict at that level).\nFor more information about packages, see Package Management in Racket.\nLooking back at the candy-sorting example of Organizing Modules, suppose that modules in \"db/\" and \"machine/\" need a common set of helper functions. Helper functions could be put in a \"utils/\" directory, and modules in \"db/\" or \"machine/\" could access utility modules with relative paths that start \"../utils/\". As long as a set of modules work together in a single project, it’s best to stick with relative paths. A programmer can follow relative-path references without knowing about your Racket configuration.\nSome libraries are meant to be used across multiple projects, so that keeping the library source in a directory with its uses does not make sense. In that case, the best option is add a new collection. After the library is in a collection, it can be referenced with an unquoted path, just like libraries that are included with the Racket distribution.\nYou could add a new collection by placing files in the Racket installation or one of the directories reported by (get-collects-search-dirs). Alternatively, you could add to the list of searched directories by setting the PLTCOLLECTS environment variable.If you set PLTCOLLECTS, include an empty path in by starting the value with a colon (Unix and Mac OS X) or semicolon (Windows) so that the original search paths are preserved. The best option, however, is to add a package.\nCreating a package does not mean that you have to register with a package server or perform a bundling step that copies your source code into an archive format. Creating a package can simply mean using the package manager to make your libraries locally accessible as a collection from their current source locations.\nFor example, suppose you have a directory \"/usr/molly/bakery\" that contains the \"cake.rkt\" module (from the beginning of this section) and other related modules. To make the modules available as a \"bakery\" collection, either\nUse the raco pkg command-line tool:\nraco pkg install --link /usr/molly/bakery\nwhere the --link flag is not actually needed when the provided path includes a directory separator.\nUse DrRacket’s Package Manager item from the File menu. In the Do What I Mean panel, click Browse..., choose the \"/usr/molly/bakery\" directory, and click Install.\nAfterward, (require bakery/cake) from any module will import the print-cake function from \"/usr/molly/bakery/cake.rkt\".\nBy default, the name of the directory that you install is used both as the package name and as the collection that is provided by the package. Also, the package manager normally defaults to installation only for the current user, as opposed to all users of a Racket installation. See Package Management in Racket for more information.\nIf you intend to distribute your libraries to others, choose collection and package names carefully. The collection namespace is hierarchical, but top-level collection names are global, and the package namespace is flat. Consider putting one-off libraries under some top-level name like \"molly\" that identifies the producer. Use a collection name like \"bakery\" when producing the definitive collection of baked-goods libraries.\nAfter your libraries are put in a collection you can still use raco make to compile the library sources, but it’s better and more convenient to use raco setup. The raco setup command takes a collection name (as opposed to a file name) and compiles all libraries within the collection. In addition, raco setup can build documentation for the collection and add it to the documentation index, as specified by a \"info.rkt\" module in the collection. See raco setup: Installation Management for more information on raco setup.", "label": "No"}
{"text": "Dante created contrapasso – the idea that divine punishment of the damned in Hell would mirror the sin being punished.\nDante Alighieri was born in approximately 1265 in Florence to poor but noble parents. He became involved in Florentine politics, was a delegate to Pope Boniface VIII, was sent into exile when his political enemies (and possibly eventually his allies too) took exception to him, and died in 1321 in Ravenna at the approximate age of 56. He was married into a politically powerful family and fathered several children, but he fell in platonic love with Bice Portinari, ostensibly at first sight at the age of nine. Dante fought several battles over the years, mostly over which faction ruled Florence, but was not a remarkable soldier.\nIn most respects Dante was an unremarkable man. Yet that one way – his poetry, and especially The Divine Comedy – has had an unusually large influence on not just Italy and the Italian language, but also western civilization and Christianity in general.\nBefore Dante, Hell was where sinners suffered generally due to their inability to feel God’s love. But Dante invented the concept of contrapasso, the idea that sinners should be punished in a way that mirrors or resembles the sin. And so it has been, to a greater or lesser extent, ever since Dante imagined his Inferno.\nThe geography of the Inferno\nDante divided Hell up into three major subdivisions according to the type of sin, but with two areas that sit apart from the sinful. Outside of Hell proper is the Vestibule, where the cowardly souls who refused to commit to either virtue or vice are punished. The First Circle is where those virtuous pagan souls who died unbaptized or who died prior to the coming of Christ reside. They can’t be saved, but neither are they truly punished in the same tortuous ways that Dante will describe for those deeper into Hell.\nSins of incontinence (ie sins resulting from the inability to control one’s base desires) are punished in Circles Two through Five. According to Dante the Poet (as opposed to Dante the Pilgrim, the main character in The Divine Comedy) those sins are lust, gluttony, hoarding or squandering money, and the mirrored sins of anger and sloth.\nThe sins of violence are punished in the next two circles, but they’re grouped somewhat oddly. The heretics of the Sixth Circle form something of a bridge between the “passive” sins of incontinence and the “active” sins of violence, fraud, malice, and treachery. The heretics are punished above a tall cliff that leads to the sins of violence, but are walled off from the rest of the sins of incontinence by a wall that is patrolled by Furies. At the base of the cliff is the Seventh Circle where the sins of violence are punished. Dante breaks these sins up into three groups and so splits the Circle into three concentric rings, one each for those violent toward others, toward the self or one’s property, or toward nature. Dante’s view of “nature” is quite different than the modern understanding, including such things as blasphemy, “unnatural” sex acts, and usury (think loan-sharking).\nBelow the Great Barrier (a massive cliff that Dante the Pilgrim and his guide Virgil can only descend with the help of a flying demon) are the Eighth and Ninth circles. The sins of fraud and/or malice are punished in the Eighth Circle, but there are so many types that Dante divided them up into ten circular “Malebolgia.” And below yet another cliff lies the sinners punished for their treachery.\nContrapasso in the Inferno\nNearly every punishment described in Inferno is intended to represent a contrapasso, a reflection of the sin being punished. Dante first introduces the reader to the idea in the Vestibule, where the uncommitted are punished. Because they were uncommitted in life, they are forced to forever chase, but never catch, a pennant while being tormented by stinging insects. In addition, since they never did great deeds for good or ill, their identities are impossible to discern. Dante the Poet considers them to have never truly been alive, and thus now they can never truly die either.\nLimbo is the only place within Hell that contrapasso doesn’t apply. After all, the only “sin” the virtuous pagan committed was something they ultimately had no control over – being born before Christ and/or dying without having been baptized. According to the Christian Church of Dante’s time, such souls could not be saved (although Dante writes that several were saved by the personal intervention of Jesus, who led them out of Hell following his crucifixion), but Dante felt that such souls would be condemned least of all, suffering no physical tortures, only the mental anguish of knowing that they could not know God’s love. Dante’s guide through Hell and later Purgatory is one of these virtuous pagans – the poet Virgil, who wrote the Aeneid.\nThe contrapasso in the Second Circle isn’t obvious as it is in many other circles, but the translation notes of my Penguin Classics version (translated by Mark Musa) indicate that tossing sinners around forever in a dark storm is supposed to reflect how the Lustful allowed their reason to be ruled by their passions. It’s Dante’s description of the Lustful that contains one of my favorite descriptions in Inferno:\nand as the wings of starlings in the winter\nbear them along in wide-spread, crowded flocks,\nso does that wind propel the evil spirits:\nnow here, then there, and up and down, it drives them\nwith never any hope to comfort them –\nhope not of rest but even of suffering less.\nWhile I’m not sure how Dante meant the mud and battering rain and hail to be contrapasso with respect to the Gluttons in the Third Circle, being attacked forever by a three-headed dog is pretty obvious. In this case, the sin of eating too excess is punished by having a ravenous monster tear at and devour parts of the souls, which, being eternal, eventually heal only to be attacked and devoured yet again.\nWhile the contrapasso in the Fourth Circle is unclear to me, it’s quite obvious in the Fifth. Here is a marsh created by the river Styx. In the marsh the wrathful are forever condemned to fight each and “tore each other limb from limb” without rest or reason. The slovenly, representing what Dante considers to be the opposite sin from wrath, are submerged below the marsh’s surface, prevented from moving at all.\nThe Sixth Circle is also the City of Dis, and it’s where the heretics are punished. The “city” is mostly a massive circular plain of sepulchers and sarcophagi that are heated with fires so that the heretics within them are punished by the heat. In addition, in the case of heretics who led sects of non-Christian religions, all the heretical followers are also jammed into the same burning sepulcher with the heretical leader.I don’t personally see this as contrapasso either, but rather eternal “purification” of heresy by flame.\nThe outer ring of the Seventh Circle, where the violent are punished, is a river of boiling blood. Sinners who were violent toward others are punished by varying levels of submersion – true tyrants are completely submerged in it while those who were less violent toward others may only be forced to stand or sit in it. This is another obvious example of contrapasso – those who spilled blood are punished by blood forever.\nIn my opinion, Dante’s description of the middle ring – the Wood of the Suicides – is one of the most striking in the entire Inferno. Unlike all other sinners, who are judged and placed precisely where they belong within their Circle, the souls of the suicides are tossed randomly into the Wood, where they grow into trees and bushes that can only cry out in pain when their branches are broken by ravenous dogs or by the harpies who nest in them:\nLike a green log burning at one end only,\nsputtering at the other, oozing sap,\nand hissing with the air it forces out,\nso from that splintered trunk a mixture poured\nof words and blood.\nAnd after the Second Coming, when the souls of the dead are reunited with their bodies for eternity, the suicides will be forced to wear their bodies upon their branches, unable to inhabit a body that, in Dante’s view, they once tossed aside:\nLike the rest, we shall return to claim our bodies,\nbut never again to wear them – wrong it is\nfor a man to have again what he once cast off.\nWe shall drag them here and, all along the mournful\nforest, our bodies shall hang forever more,\neach one on a thorn of its own alien shade.\nThe inner ring of the Seventh Circle is an expanse of sand drenched in a rain of fire. Here are those who were violent against nature in some way. The blasphemers are forced to lie upon the sand, the usurers (more or less loan sharks) crouch on the sand with heavy bags of money around their necks, and the sodomites (those who have “unnatural” sex, not necessarily just homosexual acts) wander through the storm in groups. As vivid as the images are, again I’m not sure how these torments qualify as contrapasso to Dante, and Musa’s translation notes in my version don’t provide any answers.\nThe sinners guilty of fraud and malice are punished in ten Malabolgia of the Eighth Circle, but not all have good examples of contrapasso. Rather than describe each punishment, I’ll instead focus on the sins that best illustrate Dante’s concept of contrapasso.\nFlatterers are punished for speaking bullshit in life by being stuck forever in raw sewage. The soothsayers, who sought to see the future in life, are punished by being forced to walk with their heads twisted around to look over their back, never again to see where they’re going. Thieves alternate between human and serpent form and the serpents can only become human shaped again by biting (and thus stealing) the form of another sinner who is presently human. Creators of scandal and schism are punished by being cut asunder by a demon with a great sword, only to heal as they walk around in a great circle and be cut apart again when they next encounter the demon.\nThe Ninth and final Circle of Hell is the frozen lake of Cocytus and it houses those committed treachery by murdering kin, turning against their country, killing their guests, or killing their lords. And again, while the descriptions of individual sinners illustrate some contrapasso, I don’t understand why treachery would necessarily be deserving of being frozen in place like an ice sculpture or embedded in ice up to one’s neck or forced to look up so that one’s tears freeze in place or even being entombed entirely below the surface. Of course, the punishments are certainly unpleasant, but more unpleasant than being burned by sand and a rain of fire?\nWhere would your sins place you?\nI’ve read Inferno at least five times. After the second or third reading I sat down to figure out where in Dante’s Hell would I be consigned for all eternity. While I’m a neo-pagan, I’m also baptized, so I couldn’t be so lucky as to spend eternity in Limbo. Over the years I’ve been lustful, a glutton, a spendthrift, even a profligate (those sinners who, by doing violence to their own property, are chased by ravenous dogs through the Wood of the Suicides). I’m certainly a heretic (earning me a spot in the City of Dis) and could certainly qualify as a blasphemer (prostrate upon the burning sands under a rain of fire). I’ve also used Tarot cards to seemingly foretell the future and, as with every person I’ve ever met, I’ve both lied and been a hypocrite. But where I think I would find myself is in the 9th Bolgia of the 8th Circle – in with the sowers of discord.\nInitially, my main reason for reaching this conclusion was my personal faith. After all, I’m not just a Christian apostate, I’m also someone who created his own spirituality from bits and pieces of others, and as such I might be fairly considered a religious schismatic. However, I can hardly compare to Mohammad, whom Dante also places in the 9th Bolgia for his “sin” of splitting Islam away from Christianity and Judaism. On the other hand, over the last few years I’ve spent a great deal of time writing about how I think the Christian god cannot logically exist, how the zygote personhood movement is essentially trying to enslave women into being baby factories, and similar disruptive ideas, especially with respect to religion. If that’s not creating schisms, I don’t know what is. This is why I think that, if Dante’s Inferno were real, I would find myself having my entrails spilled and my limbs chopped off by sadistic devil with a nasty sword for all eternity.\nWhen I asked my fellow Scrogues if they would be interested in placing themselves somewhere in the Pit, one of them was good enough to dig up a quick online quiz that placed you in your specific circle based on your answers. When I took the quiz, it placed me in the 6th Circle along with the heretics – also a fair place given my views on the sins of Christianity. Here’s how some some of my fellow Scrogues fared:\n- Sam Smith found himself in the 2nd Circle with the lustful.\n- Cat found herself in the 3rd Circle with the gluttons.\n- Frank (Ars Skeptica) found himself in the 5th Circle with the wrathful\n- Dr. Denny found himself down in the 6th circle with the heretics.\nLet us know where you’d end up in the comments.", "label": "No"}
{"text": "What Should My Macros Be?\nTracking your diet isn’t only interesting, but a great way to find out about the foods that you’re eating. Many of us don’t know the amount of calories, fat, carbohydrates, and protein in our meals or the importance of them. Even just tracking your diet for a few weeks will give you a lot of information about how your body responds to different foods. Calories and macros are more than just for body composition, they affect your energy levels, your mood, and your digestive process among a variety of other things.\nToday, we’re going to look at why you should track your food and what your macros should be to help you lose weight and build muscle more effectively and efficiently.\nFirst of all, if you haven’t already guest, the term ‘macros’ is a shortened version of macronutrients. Macronutrients are simply nutrients we eat a comparatively high amount of compared to micronutrients. The three main macronutrients are fat, carbohydrates and protein. Each ‘macro’ has its own caloric value which is how the total amount of calories in a food or meal is worked out.\n- Fat = 9 calories per gram\n- Carbohydrate = 4 calories per gram\n- Protein = 4 calories per gram\nSo, let’s say you have a granola bar which contains 10 grams of fat, 25 grams of carbohydrates and 5 grams of protein. The 10 grams of fat would contribute 90 calories, the 25 grams of carbohydrate would contribute 100 calories, and the 5 grams of protein would contribute 20 calories making for a total caloric value of 210 calories. Usually supplies are allowed a +/- 10% leeway on their products which is why the total calories and macronutrient value on the packet might not always add up.\nBoth fat and carbohydrate usually come with sub categories, too. For instance, on a nutritional label you’ll see total fat listed and then saturated fat underneath it usually written as ‘of which saturates’. Carbohydrates are similar in that the total carbohydrates will be listed with ‘of which sugars’ underneath it.\nWeight Loss, Weight Gain, Meal Timing and the Best Diet\nThe amount of weight you lose and gain is dependent on a process often shortened to ‘CICO’ or ‘Calories In Calories Out’. Energy balance (the amount of calories we expend versus the amount of calories we consume) is the overruling factor of all body composition changes. If you take in more calories than your body expends, then you’re going to gain weight. If you take in less calories than your body expends, then you’re going to lose weight.\nAn extremely comprehensive study looking at the effects of different diets on body composition found there to be no benefit to any once total calories and protein were matched. Meaning that higher fat or higher carbohydrate diets work dependent on preference opposed to specific physiological processes in all of us. Vegan, atkins, paleo, fruitarian, IIFYM, zone, and all of the other diets are correct for the people who can stick with them for the longest time. When choosing to follow any diet, make sure it’s something that makes you happy, works with your lifestyle and is sustainable for the long-term. The best diet really is the one you can keep up.\nYou’ll also hear people say “you need to eat constantly throughout the day to stoke your metabolism” and this is true to a degree. When you eat, your metabolism does increase, therefore burning more energy. Many people forget that digesting does actually require energy and calories. However, recent research has found that the amount to which your metabolism increases is dependent on the caloric value of the meal. So, if you’re eating 2000 calories a day, it doesn’t matter whether you eat that in one go or in six 330 calorie meals spread evenly over the course of the day, your metabolism will use the same amount of energy in total. Meal timing isn’t something that many people need to worry about, so just do what works for you.\nNow, the amount of calories you need for your goal might be different to someone else’s. If anyone tells you to eat a certain amount of calories without knowing any personal information, then the chances are that they’re wrong. We all have different activity levels and different metabolism speeds, meaning that one person might have to diet on 1500 calories whilst another can get away with 2000 calories. This is why tracking can be so important as it can let you know so much more about your body than you currently do.\nAs a good starting point, multiply your weight in pounds by 14 to find out the amount of calories you need to lose weight. For instance, an 150lb individual would need to eat around 2100 calories. If you want to gain weight, then multiply your weight in pounds by 18. So, an 150lb person would need 2700 calories a day.\nWhen you track your calories, you also need to weigh yourself. Many people weigh themselves every day, but because weight can fluctuate so much, then 2 times a week should do it. This will give you an idea of how your body’s responding to your diet. As well as this, taking progress photos every couple of weeks will let you know where the weight is coming from. Weight can refer to so many different things such as muscle, water, fat and bone to name just a few, but we want to make sure the weight we’re losing and gaining is coming from the right place. Anyone can lose weight by eating 600 calories a day, but a lot of this weight will come from quality lean tissue i.e. muscle. You’ll also see people bulking on 4000 calories when they really don’t need it. Sure, they end up putting on a substantial amount of size to their frame, but a lot of it is fat which means they have to end up cutting for a ridiculously long amount of time to see the muscle they’ve added. Progress pictures tell you exactly where that weight change from the scale is coming from.\n- Fat loss: – 1-2lbs per week\n- Muscle gain: +0.5-1lb per week\nIf you’re weigh is straying in the wrong direction, then you know you need to alter your total calories in accordance to the change. For instance, trying to lose fat but staying at the same weight? Try taking off 200 calories from your total and see if that helps or introduce some extra activity to your week such as a brisk walk to burn those calories off. Want to gain muscle but the scale won’t budge? Add on 200 calories. It’s really that simple. These calories should come from fat and carbohydrates with your protein staying the same. 200 calories equals around 10 grams of fat and 25 grams of carbohydrates, but you can split it however works for you.\nWe’ll start by working out the total amount of protein you need for your goal. Contrary to popular belief, you should actually eat more protein when you’re cutting compared to when you’re bulking due to the satiating effects. Protein helps to keep us full and maintain lean tissue, perfect for when we’re in a caloric deficit and trying to lose fat. Yet, when we’re bulking you want to keep your hunger levels up so you can eat more calories.\n- Fat loss: 1-1.2 grams per lb of bodyweight\n- Muscle gain: 0.7-0.8 grams per lb of bodyweight\nWith these levels, our 150lb individual would need 150-180 grams of protein per day when cutting and 105-120 grams per day when bulking.\nNow, we need to take into account our caloric values from earlier. Protein has four calories per gram, so let’s say the individual wants to eat 150 grams when cutting and 105 grams when bulking. This works out to 600 calories and 420 calories from protein respectively. All we do then is take this number away from our total caloric goal.\n- Fat loss: 2100 calories (150 x 14) – 600 calories (150 x 4) = 1500 calories left\n- Muscle gain: 2800 calories (150 x 18) – 420 calories (105 x 4) = 2380 calories left\nHopefully, you’ve managed to keep up with all of that. So, we did our weight in pounds multiplied by either 14 or 18 dependent on whether you’re cutting or bulking, then took away the amount of calories from protein so we can work out how much fat and carbohydrates we need. As protein is 4 calories per gram, we multiplied the amount of grams by 4 to get our total amount of calories from protein which for the example 150lb individual was 600 when cutting and 420 when bulking.\nFat & Carbohydrates\nMoving on to the ‘energy’ macros as that’s they’re main responsibility, you’ve most likely heard at some point that one of these is bad for you. Yet, you’ll be pleased to hear that’s not the case. In reality, as long as you keep your calories the same, then you can eat the ratio of carbohydrates to fat that suits you.\nMany people lose a substantial amount of weight by cutting out all carbs, but this doesn’t make them evil. This type of diet is called ‘keto’ and puts us in a state of ‘ketogenic’. We can enter this state either through fasting or limiting the amount of carbohydrates we ingest per day to under 50 grams. It is true that when you’re in a ketogenic you burn more fat. However, that’s because you’re ingesting more fat. If you eat more carbs, then you’re going to burn more carbs. Yet, studies have shown that when calories and protein are equated, ketogenic diets have no beneficial effects on fat loss over and above that of any other diet.\nThere are however, essential fats which is why there’s a minimum requirement for fat intake per day. The reason you can eliminate all carbohydrates with no serious repercussions is because there are no essential carbohydrates. Yet, carbohydrates have been shown time and time again to be beneficial for athletic performance. This means that if you care about your performance in the gym, then having at least a moderate intake of carbohydrates will be the best approach.\nOnce again, it’s important to stress the effectiveness of individuality. Just because something works for one of your friends doesn’t mean it will work for you. You might thrive on a ketogenic diet or you might find limiting your fats to be the best approach. Track your diet, work out what’s best for you and take it from there.\nSo, we’re currently left with 1500 calories for our cutting person and 2380 calories for our bulking person. As a starting point let’s do a 60/40 split of carbohydrates and fats.\n- Fat loss: 60% of 1500 is 900. 900 divided by 4 (as carbohydrates have 4 calories per gram) equals 225. This means we’d need 225 grams of carbohydrates. 40% of 1500 is 600. 600 divided by 9 (as fat has 9 calories per gram) equals 67. So, we would need 67 grams of fat.\n- Muscle gain: 60% of 2380 equals 1428. 1428 divided by 4 (as carbohydrates have 4 calories per gram) equals 357 grams. 40% of 2380 equals 952. 952 divided by 9 (as fat has 9 calories per gram) equals 106. This means we’d need 106 grams of fat.\nIn total this means our 150lbs individual would need:\n- Fat loss\n- 150 grams of protein\n- 225 grams of carbohydrates\n- 67 grams of fat\nThis makes for a total of 2,103 calories.\n- Muscle gain\n- 105 grams of protein\n- 357 grams of carbohydrates\n- 106 grams of fat\nThis makes for a total of 2802 calories.\nStart with these calorie and macronutrient goals based upon your own bodyweight and see how they affect you. If you’re not losing weight but don’t want to eat less, try increasing your activity or swapping some of the carbohydrate and fat calories for protein. If you’re training your butt off but can’t seem to build muscle, then all you have to do is eat more. It really is as simple as that.\nMany of you won’t want to track your calories day in and day out, and that’s perfectly fine. Instead set aside two days for tracking each week and don’t consciously change your diet. This will give you a good view of the foods you’re eating and a rough estimate of the total calories you’re getting in each day.\nFinally, just enjoy the process. Changing your body in any respect is never quick, so you need to find a way to fall in love with the process. Try new things, experiment a little, Soon enough you’ll get into an easy groove and everything with fall into place.", "label": "No"}
{"text": "Missionary work is a cornerstone of the Mormon Church. Mormons have been taught through the scriptures that it is their role to “teach all nations” the truthfulness of Jesus Christ’s message. According to Mormon Newsroom,\nMore than 85,000 [full-time] missionaries are serving missions for The Church of Jesus Christ of Latter-day Saints at any one time. Most are young people under the age of 25, serving in more than 400 missions throughout the world.\nMissionaries can be single men between the ages of 18 and 25, single women over the age of 19 or retired couples. Missionaries work with a companion of the same gender during their mission, with the exception of couples, who work with their spouse. Single men serve missions for two years and single women serve missions for 18 months.\nMissionaries receive their assignment from Church headquarters and are sent only to countries where governments allow the Church to operate. Missionaries do not request their area of assignment and do not know beforehand whether they will be required to learn a language.\nFor the first time, young women amount for slightly over half of new missionary applications. Over 1,000,000 Latter-day Saints have served missions since the Church was founded. The success of Mormon missionaries and the missionary program is evident through the number of people converting to the Mormon faith each year.\nDuring missionary service, Mormon missionaries suspend their usual activity in educational, vocational, and family pursuits in order to serve. Missionaries pay for their own monthly expenses while in the mission field, though the Church pays for transportation costs to and from the field of service. In 2015 the monthly cost for young people serving a mission was $400. Senior missionaries, however, pay monthly expenses demanded by the areas where they serve. In 2015 the cheapest missions were in South America, India, and the Philippines, while the most expensive missions were in Europe.\nIn addition to teaching the gospel of, missionaries provide valuable community service. Indeed, some missions are service, rather than proselyting missions. An example would be Humanitarian Aid missionaries.\nSenior missionaries serve for 6 months to two years, and may give very specialized service based on their former vocational experience and hobbies. Some senior missionaries who perform “service missions” are able to live at home while serving in some capacity. This enables seniors with financial or health problems to be able to serve. At the end of 2014, there were 30,404 Service Missionaries.\nMission presidents serve for three years and are supported financially by the Church during their term of service.\nYoung people with disabilities are increasingly able to serve, as the Mormon Church takes the gospel online. Online missions have been very successful. Most contacts come through Mormon.org, which gives basic information about the Church and the gospel of Jesus Christ. People who go to the site can chat with a missionary at their leisure. This relaxed method of communication enables the curious to ask any sort of question or even chat at times when they have special needs.\nThere are also very short, very specialized missions, such as those for youth for the summer, who act and perform in Nauvoo.\nMissionaries don’t “sell” the gospel, but present the tenets of the Church, ask investigators to read the scriptures, especially the Book of Mormon, and then to pray for a witness from the Holy Ghost that the Book of Mormon is true, and the Church is true. A spiritual experience in response to prayer helps converts anchor themselves in their personal relationship with Christ and not the likable missionaries. Missionaries are also transferred often to new locations, so converts don’t get too attached to them.\nTraining Mormon Missionaries\nMormon missionaries receive training before they go out into the “mission field.” Training is longer for those who must master a foreign language in order to teach the gospel. Training takes place in Missionary Training Centers (MTCs) located around the world, with the largest in Provo, Utah. In 2015 there were 15 MTCs. In addition to Provo, centers are located in Argentina, Brazil, Chile, Colombia, Dominican Republic, England, Ghana, Guatemala, Mexico, New Zealand, Peru, the Philippines, South Africa and Spain.\nEven a few weeks of intensive training at an MTC, however, is not enough for a missionary to be able to serve well. Their schedules are rigorous, and living conditions can be entirely different than they are used to. Homesickness and culture shock must be faced and overcome. Especially since Mormon missionaries are being sent out a a younger age than they once were (until 2012 young men served at 19 and young women at 21), much training must occur in the home. A knowledge of scripture and responsibility in church and the community, even scouting, help prepare youth for the responsibility of missionary service.\nAll Mormon missionaries have made higher covenants in Mormon temples, so they are exemplars of committed Latter-day Saints living by the high standards demanded for temple attendance. All male missionaries hold the Melchizedek Priesthood, or higher priesthood of the Church.\nMissionaries are called into one of over 400 missions worldwide. A “mission” is an area of administration with a “mission president” who oversees the missionary work in the area. Some missions are geographically small, and others are very large, depending on the Mormon presence in the area and local interest. For instance, the city of […]\nAll missionaries serving for The Church of Jesus Christ of Latter-day Saints, or Mormon missionaries, have one common goal in mind. That goal is to bring souls unto Christ. Missionaries throughout the world teach the same message of Jesus Christ and the blessings that can come from accepting Him into one’s life. Put simply, Mormon missionaries are sent to […]\nPeople of different ages, backgrounds, genders, and skill levels are serving as Mormon missionaries throughout the world today. The basic prerequisites for serving as a Mormon missionary are faith in Jesus Christ, personal worthiness, and belief founded in the doctrines of the Mormon Church. To be a Mormon missionary, one must be a baptized, confirmed member of […]", "label": "No"}
{"text": "Every time NASA lands a rover on Mars--or even makes the attempt--it is cause for celebration. On August 5th, the heavens themselves are aligning to mark the event.\nOnly a few hours before the Mars Science Lab spacecraft reaches the red planet and drops Curiosity on a hair-raising descent mission planners have dubbed the \"seven minutes of terror,\" Mars itself will be put on a special show in the sunset skies of Earth: Together with Saturn and Spica (a blue giant star in the constellation Virgo), the Red Planet will form a \"Martian Triangle\" visible from almost all parts of our planet.\nGo outside after sunset on August 5th and look west where the setting sun has just disappeared. As soon as the sky fades to black, a triangle of first-magnitude lights will pop out of the twilight. The vertices are Mars, Saturn, and Spica. Together, they form an equilateral triangle about 5 degrees on each side. This means you could hide the Martian Triangle behind your outstretched palm. It would also fit comfortably inside the bowl of the Big Dipper. The tightness of the triangle makes it extra eye-catching.\nThe three objects are very different: Mars is a small rocky planet relatively close to Earth; Saturn is a ringed gas giant halfway across the solar system; Spica is a massive binary star on the other side of our galactic spiral arm. Nevertheless, they shine with the same intensity as seen from Earth. On the scale of astronomical brightness, all three are ranked first magnitude. This makes them easy to see with the unaided eye.\nNot long after the Martian Triangle follows the sun below the horizon, the real action begins:\nAt approximately 10:30 pm PDT, Curiosity's entry capsule will slam into the upper atmosphere of Mars raising temperatures around the heat shield to 2100 C--more than twice as hot as basaltic lava.\nWhat happens next seems almost unbelievable. Because Curiosity is so much bigger and heavier than any previous rover, old ways of landing, such as air bags, wouldn't work. Mission planners had to come up with something new and unorthodox. Reporter Scott Gold of the LA Times described it this way:\n\"In the time it takes to drive to the grocery store, the spacecraft will change shape like a toy Transformer six times, slowing from 13,000 mph to 1.7 mph while using 76 pyrotechnic devices, ropes, knives and the largest supersonic parachute ever built.\"\nAt the end of the maneuver, a \"Sky Crane\" gently lowers the rover onto the floor of Gale Crater.\nIf the rover survives the hair-raising descent and lands intact as planned, it will mark the beginning of an extraordinary mission of discovery. Bristling with the most advanced sensors ever sent to Mars, the one-ton rover will spend the next two years (at least) finding out whether one of the most intriguing places in the solar system ever offered an environment favorable for microscopic life.\nLet's just say, it's a good reason to go stand outside under the stars.\nAfter the Martian Triangle sets, go inside and turn on NASA TV for the Mars landing itself. The real show is about to begin.", "label": "No"}
{"text": "This housing report looks at housing typologies in Nepal, with a focus on traditional oval-shaped rural stone houses. This is a typical rural construction concentrated in the central mid-mountain region, particularly in the Kaski, Syangja, Parbat, and Baglung districts. (The country is divided into 75 administrative districts.) These primarily residential buildings are basically loose-fitting, load-bearing structures, constructed of uncoursed rubble stone masonry walls and a timber structure for the floor and roof. Village artisans play a pivotal role in these owner-builtbuildings. Because of the loss of integrity during an event, they are expected to be extremely vulnerable from the effects of an earthquake.", "label": "No"}
{"text": "This is because older people tend to suffer from a combination of ailments brought on by aging, said the study, which was conducted by scientists from the University of Southern California, Harvard University, Columbia University, the University of Illinois at Chicago and other institutions.\n“When we treat someone with cancer, or heart disease, or stroke, we are treating a manifestation or byproduct of biological aging -- the underlying process marches on unaltered by this approach to disease,” said Jay Olshansky, a professor at the University of Illinois School of Public Health in Chicago and a co-author of the study.\n“This means that even if we succeed for a time in extending life by treating disease, either that disease or another will emerge with time….Slowing aging alters the risk of all diseases simultaneously by attacking the origins of all of the things that go wrong with us as we grow older.”\nThe study cited research into the genetics of centenarians and animal studies of caloric restriction, as well as hormone manipulation, altering insulin-signaling pathways, and removal of senescent cells as showing potential for delaying the aging process.\nThe study coincides with Google’s September announcement that its next startup, Calico, will focus on delaying aging and extending the human lifespan. Another California-based company, SENS research foundation, also seeks to repair the damage done in the aging process.\nCurrently, a long life does not necessarily mean a healthy life; disability rates have increased along with life expectancy, the study said. The current population of young Americans is expected to have higher incidences of health problems like obesity and diabetes than their older counterparts, according to projections using federal data.\nThe number of Americans over 65, now around 43 million, is expected to more than double in the next fifty years, to 106 million. Around 28 percent are currently disabled, and the decades-long gains in the functional status of older Americans ended in 2002, the study said.\nEven modest scientific advancements in delayed aging would result in an additional 11.7 million healthy people over 65 by 2060, according to the study. It would also raise life expectancy by around 2.2 years.\nDelaying aging would be costly because of longer entitlement outlays, but the study said that the costs could be offset by raising the age for official Social Security retirement and Medicare eligibility to 68. It also predicted that delaying aging could save $7.1 trillion in the next fifty years, as people stay in the workforce longer and live without having major medical expenses associate with aging.", "label": "No"}
{"text": "“The best way to predict the future is to create it.”\nThe quote has been ascribed to a lot of different people, including Peter Drucker and computer scientist Alan Kay. But according to the Quote Investigator,\n“The earliest evidence appeared in 1963 in the book “Inventing the Future” written by Dennis Gabor who was later awarded a Nobel Prize in Physics for his work in holography:\n“We are still the masters of our fate. Rational thinking, even assisted by any conceivable electronic computers, cannot predict the future. All it can do is to map out the probability space as it appears at the present and which will be different tomorrow when one of the infinity of possible states will have materialized. Technological and social inventions are broadening this probability space all the time; it is now incomparably larger than it was before the industrial revolution—for good or for evil.\n“The future cannot be predicted, but futures can be invented. It was man’s ability to invent which has made human society what it is. The mental processes of inventions are still mysterious. They are rational but not logical, that is to say, not deductive.”\nI.e., we can speculate — as we’ve been doing in this series — about where present trends might take us, but it’s useful to remember that “we are still the masters of our fate.” We can shape where those trends take us by engaging with them, and thus we can invent the future — the future we want, not just the one that will happen to us.\nAs Dr. Gabor points out, the process by which we do that is “rational but not logical.” We looked at the mindfulness trend earlier In this series. In that spirit, how about we might try a mindfulness approach to creating the future for ourselves? If you’re game, here’s a simple exercise in four steps:\n- Pick one of the predictions I’ve made. Go ahead, we’ll wait. Is there one in particular that has a lot of energy for you, so that when you read it you say, “Oh yeah!” Or if there are several, is there a theme that runs across them? Don’t over-think – just go where you feel a tug – the stronger the better.\n- Express it as a goal or intention — something you are committed to making happen. Complete this sentence, filling in the blank: “My response to this prediction is to create ________________.” Maybe it’s a career or practice shift, or something personal. It doesn’t matter what your goal is. What matters is your commitment to it.\n- Beatify it. Yes, you read that right. No, we’re not making anyone a saint here, we’re using “beatify” in the sense of “extreme blissful happiness.” Yes, you read that right, too. What we’re after here is to take your goal/intention and take it to an extreme level of emotional reward/satisfaction. What would creating it give you that you don’t have now and would really like to have? How would it revolutionize you, your career?\n- Watch where your thoughts go with this. What ideas and feelings come up?. Be prepared to write fast and take good notes — the energy of the idea that grabbed you plus your commitment to it will pop the cork on your creativity.\nThat’s it. Have fun with it. Use it for as many predictions as you like. And then…\nWelcome to the future — the one you’re creating.", "label": "No"}
{"text": "October 23-31st is National Red Ribbon Week. It’s an awareness, education, and advocacy effort by the National Family Partnership (formerly the National Federation for Drug Free Youth). They invite us to take the following pledge:\nAs parents and citizens, we will talk to our children and the children in our lives about the dangers of drug abuse.\n- We will set clear rules for our children about not using drugs.\n- We will set a good example for our children by not using illegal drugs or medicine without a prescription.\n- We will monitor our children’s behavior and enforce appropriate consequences, so that our rules are respected.\n- We will encourage family and friends to follow the same guidelines to keep children safe from substance abuse.\nThe Family Partnership’s research shows that kids whose parents talk to them regularly about the dangers of drug use are 42% less likely to use drugs, yet only about 25% of kids surveyed identify having those discussions with their families.\nI know the feel good efforts of these folks are well intended. The best investment we can make in overcoming our addiction epidemic is prevention. It’s just nowhere near enough. I note that this organization formed in 1980 (the “Just Say No!” era). The pledge above is easy to make at face value until you consider it carefully:\n“…our children and the children in our lives.”\nWhat’s our comfort level talking to kids who aren’t ours about life choices? How readily do we show concern for their home lives? Too many of us are overly cautious about connecting to other people’s kids. I have a hundred kids. They’re mine because they’re nobody’s.\n“We will set clear rules about not using drugs.”\nRight, that’ll work. I agree that it’s better than not addressing it at all but I have yet to meet a kid who declined drugs because “Mom told me not to.” That leads us to…\n“We will set a good example by not using illegal drugs…”\nOk, sure – and how about legal drugs like alcohol (conspicuously absent from the plege)? What else goes into that example? Kids whose needs aren’t met are at exponentially higher risk for drug use. Kids who lack love and acceptance are at greater risk. Where do we take the pledge to be men and women who model compassion, empathy, kindness and being part of a community?\n“We will monitor our children’s behavior…”\nIs that the same as being involved in their daily lives? I raised two teenagers. I know it’s hard to maintain those connections when they seem to be pushing us away at every turn. I also know that monitoring alone is authoritative and I have yet to meet an at risk adolescent that doesn’t have huge issues with authority.\nBetter to build them up. Better to follow the simple brilliance of Frederick Douglass:\n“It is easier to build strong children than to repair broken men (and women).”\nMeeting the needs of our children is a community responsibility. If you want to help curb addiction, invest in every child you meet. Feeling valued and a part of is the best defense against developing substance use and addiction. Show up. Volunteer. Mentor. Coach. Teach by example and help us save lives.", "label": "No"}
{"text": "Telling the patient and the family the bad news -- it's a daunting first-time experience for physicians and a staple of television medical dramas frequently portrayed as \"There's a first time for everything. Just get out there and do it.\" But in real life, how do medical/health professionals learn to communicate a less than positive diagnosis or prognosis of an illness or -- even worse -- the death of a loved one?\nTwo papers published in the August issue of Simulation in Healthcare: the Journal of the Society for Simulation in Healthcare, explore recent studies in \"real life\" teaching approaches that seek to improve the necessary communications skills in breaking bad news.\nIn \"Evaluation of the Impact of a Simulation-Enhanced Breaking Bad News Workshop in Pediatrics,\" medical educators report on a simulation-based training that, according to the ratings of participating pediatric residents, produced a 100% improvement in their communication skills. Most importantly, when evaluating the residents' post-workshop skills, parents who had previously received \"bad news\" and experts [a physician and bereavement social worker] reported improvement in 14 of 17 of the communications skills measured. Authors Kathleen Tobler, M.D., Estee Grant, M.D., and Cecile Marczinkski, PhD of Alberta Children's Hospital in Alberta, Canada, developed their simulation-based workshop -- which featured teaching scenarios with actors, observations, and debriefings -- because \"the way news is communicated is highly memorable and has a significant impact on a family's coping and experience going forward.\" They also observed that \"physicians consistently identify a desire and need for further education\" in developing these communications skills.\nThe second article, \"Teaching Communications Skills -- Using Action Methods to Enhance Role-Play in Problem-Based Learning,\" illustrates the use of structured techniques, including \"action methods\" brought from psychodrama and sociodrama. Authors Walter Baile, M.D. and Adam Blatner, M.D. at the University of Texas MD Anderson Cancer Center in Houston, TX, found such methods, including role-creation, doubling, role-reversal, group-processing, and role-training, can substantially enhance the effectiveness of role-play to teach communication skills for challenging conversations. A particularly effective method in creating empathy and group involvement is \"doubling,\" where participants watching a role-play are invited to stand behind the chair occupied by the learner playing a character, imagine what the learner might be feeling or thinking, and speak their thoughts in the first person as if they were a voice-over or the learner's \"alter-ego.\" The authors found this technique and the others they used can also reveal important unspoken thoughts and emotions. Attending to hidden feelings and thoughts and using self-reflection to anchor new learning can, for example, \"raise awareness of how a doctor's own anxiety can lead them to avoid end-of-life discussions with patients and families or to be overly optimistic about available treatments.\"\nThe journal's founding and current editor-in-chief, David Gaba, M.D. of Stanford University School of Medicine and the Veterans' Administration Palo Alto Health Care System, notes that \"people often think about simulation in terms of teaching the clinical and technical skills in healthcare, but it is increasingly being used to teach a variety of non-technical skills.\" He added that \"these papers delve into the important skills of communication, whether with patients, families, or co-workers. I chose the first paper on bad news disclosure in pediatrics because it provides actual data on the impact of such training, and in a particularly challenging task; the second because it introduces \"action methods\" -- from psychodrama and socoiodrama -- that are new to the simulation community. While many of us use role-play in our simulation teaching, the additional techniques presented in these papers may greatly enhance our work.\"\nCite This Page:", "label": "No"}
{"text": "The lake that time forgot\nAfter 20 million years below the Antarctic ice, Lake Vostok will finally reveal its secrets\nAt the bottom of the Earth, two miles below Antarctica’s ice sheet, scientists have broken a 20-million-year silence. A Russian team has drilled 3,770 metres (2.3 miles) through the polar ice to a vast freshwater lake, called Lake Vostok. It has lain undisturbed for four times as long as human beings have been separate from apes.\nIt has taken the team 22 years to drill through, and the day after they achieved their goal they had to leave, before the brief Antarctic summer came to an end and the air became too cold for aeroplanes to fly. So it will not be until December that any frozen samples can be retrieved, and not until the end of next year that liquid water from the vast lake, as large as Lake Ontario, will be examined.\nAs well as the physical peril for the researchers, there is the risk of contaminating this most untouched of wildernesses – so the team are going to extraordinary lengths to avoid bringing the germs and chemicals of the outside world into Vostok’s black depths.\nWhen they do bring samples to the surface, what do they hope to find? Dr Lewis Dartnell, an astrobiologist at University College London, says that for the study of life, both on Earth and elsewhere in the universe, it could be a breakthrough. “It’s a pristine environment,” he says. “It’s like discovering a lost world – we have no idea what’s in there, after 20 million years sealed off from the rest of the biosphere. Even if it’s only microbial life we find, it’s a completely new habitat.”\nIts self-contained nature will also help us. Fully understanding the carbon and nitrogen cycles, and the behaviour of other nutrients and elements, should give a clue to how they work on Earth as a whole. Yet it is as a mirror of other worlds that Vostok is most exciting. There are a few places on Earth – the Atacama Desert in Chile, or the McMurdo Dry Valleys in Antarctica – that are analogues of Mars: cold, dry and harsh. Lake Vostok and the other sub-surface lakes of Antarctica are analogues for Europa, Jupiter’s ice-moon, which is considered the most likely place in the solar system for life to be found.\n“The Europan ocean is also miles deep below solid ice and doesn’t have any sunlight,” says Dr Dartnell. “So life in Lake Vostok would be in a very similar environment. You don’t get to rely on plants, or the oxygen or food they produce.” Instead, life would be geothermal, relying on the heat of the planet, or chemo-autotrophic, relying on energy from inorganic ions.\nThis world will be one of utter dark, incredible cold, and crushing pressure: more than two and a half tons per square inch. But, weirdly, it’s not impossible that there will be complex life down there. “The pressure isn’t a problem, because you find animal life at very high pressures at the bottom of the ocean,” says Dr Dartnell. Crabs and fish live in the Challenger Deep, seven miles below the surface of the Pacific, at pressures of well over 10 tons per square inch. Similarly, the cold isn’t a problem: there are insect-like creatures called ice crawlers that live on frozen mountaintops at -20C (-4F), with natural antifreeze in their bodies.\nWhat may limit the size and complexity of the life that exists in Vostok’s pressure-freezer is the amount of energy and oxygen. “There probably isn’t enough energy in the system for animal life,” says Dr Dartnell. “And Vostok is almost certainly anoxic – there’s no oxygen dissolved there. Until a year or so ago, there was not a single example of an animal that could spend its life cycle without oxygen.”\nThe discovery of an anaerobic animal, in the sediment at the bottom of the Mediterranean last year, overturned a lot of what was thought to be known about animal life, but the odds against it happening again are high. But as Dr Dartnell says, whatever we find, “it’s going to be special stuff, unique stuff, lifeforms we’ve never enountered before”. And it will shed new light on distant worlds.\nIf nothing else, surely the Indyref will teach us all to stop paying attention to outlier polls\nSeptember 19th, 2014 4:20\nGood night to bury bad news? As Scottish count continues, Lib Dems quietly announce that Mike Hancock has quit\nSeptember 19th, 2014 0:28\nWithout exit polls, what is the BBC meant to talk about for the next four hours?\nSeptember 18th, 2014 23:33\nBe grateful for the Met Office. It basically gets stuff right\nSeptember 15th, 2014 13:03\nWhy diamonds will always be everyone’s best friend\nSeptember 11th, 2014 7:52", "label": "No"}
{"text": "Talking from 9 to 5: Chapter 2\nUnnecessary apologies in social settings are conversational rituals intended to solve misunderstandings. However, needlessly admitting a fault in which the blame is not equally shared can place one party in a subordinate position. The intent of ritual apologies is for both parties to accept responsibility and likewise, save face together.\nWhen an individual habitually apologizes in conversations, it creates a negative impression upon others. The speaker appears to be insecure and lack confidence. Similarly, ritual thanks are often expressed and require mutuality to maintain an equal balance between speakers. Tannen evaluates:\n“All these rituals depend on mutuality. If one person apologizes and the other simply accepts the apology, or if one person is doing all the thanking, then the result is an imbalance—and a loss of face” (57).\nTypically, women have incorporated these conversational rituals as habits in attempt to appear congenial and considerate. Conversely, men favor ritual opposition and initiate arguments with opponents to determine logical flaws. Women may perceive these challenges as personal attacks, especially if they are unaccustomed to more aggressive environments.\nFurthermore, women tend to solicit the opinions of others before executing a decision. Once again, this gives an impression of uncertainty. Tannen claims:\n“Everything you say becomes evidence of your competence, or lack of it. Most jobs, especially high-level ones, involve the need to make decisions. Someone who appears to need help making decisions can easily be judged negatively” (62-63).\nAdditionally, women are more prone to complimenting others in the workplace, even if they think of criticisms. Meanwhile, men are less involved in asserting praise and tend to approach subordinates only if problems arise. As a result, women place themselves in an inferior position if their compliments are not returned and may think their male superiors are dissatisfied with their work.\nWomen gravitate toward these rituals because interactions with other women have trained them to not assume a one-up position. In fact, women’s conversational rituals often include self-deprecating speech but other women reciprocate the ritual, maintaining equality.\nTannen concludes that both conversational rituals are conventional, however, each works best when both parties share the same ritual. Misunderstandings are frequently avoided if the conversational styles are the same.\n1) Which conversational rituals do you use on a regular basis?\n2) Are there ways you will reevaluate your speech patterns after reading this chapter?\n3) Why do you think women tend to apologize and thank others more than men?", "label": "No"}
{"text": "Friday, December 1st marks the 30th World AIDS Day.\nOne aim of the event is to show support for people living with HIV, the virus that causes Acquired Immune Deficiency Syndrome, or AIDS. Another aim is to remember the people who have died from conditions related to AIDS.\nSince 1984, about 35 million people have died from HIV and AIDS-related diseases. This number makes \"it one of the most destructive pandemics in history,\" according to the World AIDS Day website.\nThe Joint United Nations Programme on HIV/AIDS, or UNAIDS, released a report before the World Day observances on Friday.\nThe report noted progress in containing HIV. It said 21 million people who have the virus are getting treatment. That number is more than half of all people living with HIV.\nThe UN's goal is to end the AIDS pandemic by 2030.\nAmerican Anthony Fauci has been working in the fight against AIDS since the 1980's. At that time, an HIV infection was considered a death sentence. Now people with the virus can expect to have a normal life if they get treatment.\nFauci heads the National Institute of Allergy and Infectious Diseases at the United States government’s National Institutes of Health. He says that we have \"the ability to end the pandemic as we know it.\"\n\"What I mean is that we have extraordinarily effective drugs. But recently those drugs have been shown – over the past few years – not only to save lives of the people who take the drugs, but also to bring the level of virus in an infected person so low, below detectable level, that it makes it virtually impossible for that person to transmit the virus to someone else.\"\nHowever, people taking medications face the same problems as anyone else who takes medicines on a daily basis.\nNot everyone remembers to take their medications, and doctors’ prescriptions often need to be renewed.\nSixteen million people infected with HIV are not getting treatment. Many in this group do not know they have the disease, so they continue to spread the virus. Some of them are lacking in healthcare, so they don't get tested.\nUNAIDS reports that some 1.8 million people became infected with HIV in 2016. That estimate is 39 percent lower than the number of newly-infected people in the late 1990s.\nIn African countries south of the Sahara Desert, new HIV infections have fallen by 48 percent since 2000.\nHowever, the report notes that new HIV infections in Eastern Europe and Central Asia have risen by 60 percent since 2010. In addition, AIDS-related deaths have increased by 27 percent.\nEven with the tools we have, Fauci does not see an end to the AIDS pandemic without an HIV vaccine.\nSeveral years ago, researchers tested an experimental AIDS vaccine in Thailand. That vaccine was 31 percent effective.\nBy comparison, the measles vaccine protects up to 99 percent of those who get vaccinated.\nFauci told VOA he is not sure if scientists can develop an AIDS vaccine that would be as effective. But he adds that even a vaccine with 50 or 60 percent effectiveness combined with other measures \"could turn around the trajectory of the epidemic and essentially end it as we know it.\"\nAnother vaccine trial is taking place in South Africa. The results will not be available until 2019 at the earliest, and there is no way of telling if that vaccine will be good enough to help end AIDS.\nFor now, testing, anti-AIDS drugs, and changes in behavior are three tools to limit the spread of AIDS, according to UNAIDS.\nBehavioral change includes limiting the number of sexual partners, using clean needles and syringes, and using condoms during sexual activity.\nBoth Fauci and UNAIDS say ending AIDS is up to the world community – and how much effort and money it is willing to use toward the goal.\nI'm John Russell.\nCarol Pearson reported on this story for VOANews.com. John Russell adapted her report for Learning English. George Grow was the editor.\nWe want to hear from you. Write to us in the Comments Section.\nWords in This Story\npandemic – n. a situation in which a disease spreads very quickly and affects a large number of people over a wide area\naccording – adv. as stated by or in\ndetectable – adj. capable of being discovered or noticed\ntransmit – v. to cause (a virus or disease) to be given to others\nmedication – n. a substance used in treating disease or easing pain\nprescription – n. written directions for use of a medicine\ntrajectory – n. the curved path along which something (such as a rocket) moves through the air or through space -- often used figuratively to describe a process of change or development that leads toward a particular result\nneedle – n. a very thin, pointed steel tube that is pushed through the skin so that something (such as a drug) can be put into your body or so that blood or other fluids can be taken from it\ncondom – n. a thin rubber covering that a man wears during sex to prevent a woman from becoming pregnant or to prevent the spread of diseases", "label": "No"}
{"text": "An influential movement in literary criticism in the mid 20th century, which stressed the importance of focusing on the text itself rather than being concerned with external biographical or social considerations. Associated with the movement were John Crowe Ransom, who first used the term in 1941, I. A. Richards, and Cleanth Brooks.\nDefinition of New Criticism in:\n- The US English dictionary", "label": "No"}
{"text": "Black and White in Indiana\nIndiana Business Research Center, Kelley School of Business, Indiana University\nStatistics and emotions do not generally coincide, but the innocuous looking documents titled working papers numbers 56 and 76 from the U.S. Census Bureau contain a chilling reminder of the early decades in our national and state history. The plain blue covers and inexpensive binding display lengthy titles generally reflective of research tomes, Historical Census Statistics on Population Totals by Race, 1790 to 1990, and by Hispanic Origin, 1790 to 1990.\nThe working papers, written and compiled by one of the Census Bureau’s talented and knowledgeable statisticians, Campbell Gibson, provide us with two important historical documents.(1,2) These documents comprise a numerical history lesson, documenting the changing structure of race in our states and larger cities since the first census of the United States was conducted, as constitutionally mandated, in 1790.\nA Compelling Reminder of American History\nIn 21st century America, we are far removed from the ways of life of the founding Americans. But one look at a simple table reveals how people living in the United States of America were counted by federal officials. It also serves as an uncomforting reminder of the ways we were then able to define human beings as being free or slave and in later decades, attempting to numerically define how black a person was if their lineage was of mixed races. While Indiana has offered hope to African Americans, some believe that the latest census in 2000 harkened back to those times by including the new option for checking all races that apply, again bringing up the question of how much of a race someone is with a numbing array of 164 racial combinations being possible.\nAs we can see in Table 1, the black or African American population prior to the Civil War was counted specifically by census takers in three ways. First, it was determined if the persons were black (or negro in the terminology of the times). Then, those persons were determined to be either free or slave. It is important to note here that such questions were not asked of the individuals and this is true even today. Rather, the question was posed to the head of the household. The head of the household told the census taker how many people were part of his household (since generally it was a male to whom the census taker turned for responses) and to indicate what their status was—wife, child, other relation, or slave. In the case of so-termed free blacks, the head of their household was interviewed by the census taker, unless they were workers living on a householder’s land.\nBlack Population Prior to the Civil War, as Counted by the Census\nClick for larger image\nThe American decennial census has long been a mirror of the society it counts and since race questions have changed with almost every census during our history, we can see the way America continues to grapple with the issue of race.\nIn the early censuses of 1790 to 1840, the term negro was the only racial identifier for blacks, with the concept of being free or slave as an additional characteristic. However, in later censuses, as Gibson writes, “enumerators were instructed to identify Mulattoes (and Quadroons and Octoroons in 1890) among the Black population.” Since, as the author further notes, such delineations were of dubious accuracy, they were not included in the reports cited here. Indeed, over much of this country’s history of defining race, the issue of who is black became a mathematical formula, once based on the notion that each person consists of 128 parts and the combination of white and black in those parts would determine how much a negro someone was and ergo, such terminology as mulatto or quadroon.\nBlack and White Population Trends in Indiana\nWhile Indiana has been home to African Americans since the time of the Indiana territory (which under the 1787 Northwest Territory Ordinance was free), the state had few blacks who were counted as slaves; by 1830 and 1840, only three such individuals were counted in the entire state. Indiana historians indicate that many black pioneers settling in Indiana were farmers from Virginia and North Carolina, likely fleeing subjugation in those states.(3) By the time of the Civil War, no slaves were enumerated in the Hoosier State. The same cannot be said for the United States as a whole, in which the vast majority of blacks were slaves—nearly four million were counted just prior to the war. Between 1800 and 1860, a majority of blacks were also enslaved in the Midwestern states (see Figure 1).\nSlave Population as a Percent of the Total Black Population Prior to the\nClick for larger image\nHowever, lest we believe Indiana was immune to these issues, the Indiana Constitution of 1851 had an exclusionary clause (Article 13) that restricted blacks from settling in Indiana (invalidated in 1866).(4) We see direct evidence of this in the census counts. The black population in Indiana was more than doubling each decade between 1820 and 1850 by the addition of at least 2,000 persons. Suddenly, between 1850 and 1860, there was growth of only 200 black persons.\nPost-Civil War Trends\nIndiana’s black population growth was slow but steady during the decades after the war. African Americans continued to settle in Indiana throughout the 1900s, with growth rates in percentage terms consistently higher than those of whites (see Figure 2). The exception was the time period between 1900 and 1910, when the growth in population was 7.4 percent for whites and only 4.9 percent for blacks.\nPercent Change in Black and White Populations in Indiana, 1900 to 2000\nClick for larger image\nBy 1930, the count of African Americans moved past the 100,000 person mark, and by 1960, there were 269,000 counted as residents. This 1960 count nearly doubled by Census 2000, to more than 500,000 blacks (see Figure 3).\nIndiana’s Black Population, 1800 to 2000\nWhile early African American settlers were predominantly farmers, the greatest population growth of this group over time was in the urban areas of the state. Between censuses, the percentage growth of seven of Indiana’s largest cities and towns (as included in the Census Bureau publication cited) was often considerable.\nSome examples include the 1,402 percent increase in the black population of Evansville between 1860 and 1870 and a 1,284 percent increase in the black population of the new city of Gary between 1910 and 1920, driven largely by the new steel mills in that part of the state (see Table 2). New Albany, on the other hand, was the only one of these seven large cities to lose black population prior to the 1990 Census. Between 1910 and 1940, a period of significant migration of blacks to more northern industrial areas, New Albany lost hundreds of blacks each year, although its African American population has been relatively consistent with between 1,200 and 2,200 people. Indianapolis has the largest African American population in the state, with more than 200,000 counted in Census 2000.\nPercent Change in Black Population, Early 1800s to 1990\nClick for larger image\nCensus data help us to quantify our population and are reflective of societal trends in our country, states, and communities. However, while the numbers provide us with indications of the effects of our customs and laws as enforced at the time, we must explore further into our own experiences and the research of historians to gain deeper insights.\n- Campbell Gibson and Kay Jung, Historical Census Statistics on Population Totals by Race, 1790 to 1990, and by Hispanic Origin, 1970 to 1990, for Large Cities and Other Urban Places in the United States, Working Paper No. 76, prepared by the Population Division, U.S. Census Bureau (Washington, D.C., February 2005). Available at www.census.gov/population/www/documentation/twps0076/twps0076.html.\n- Campbell Gibson and Kay Jung, Historical Census Statistics on Population Totals by Race, 1790 to 1990, and by Hispanic Origin, 1970 to 1990, for the United States, Regions, Divisions, and States, Working Paper No. 56, prepared by the Population Division, U. S. Census Bureau (Washington, D.C., September 2002).\n- Indiana Historical Bureau, Black Settlers in Indiana (1993). Available at http://www.statelib.lib.in.us/www/ihb/publications/7015.pdf\n- The Constitution of 1851 (original). Available at www.statelib.lib.in.us/www/ihb/resources/constarticle13.html.", "label": "No"}
{"text": "This commentary was published in CALmatters on February 10, 2020.\nGov. Gavin Newsom has put forward a framework for managing water and habitat in the Delta and its watershed. As far as we can tell, no one is very happy with the framework—and that may be a good sign.\nThe framework is the product of years of effort to negotiate an agreement among water users, other stakeholders, and regulatory agencies. Details are yet to be worked out, including firm commitments for water and funding, along with critical negotiations with the federal government on how to cooperatively manage upstream dams and the Delta pumps. Ultimately, the package has to be acceptable to state and federal regulators.\nThe scope of this effort is vast.\nOver the next 15 years, the proposal is to spend more than $5 billion on new river and floodplain habitat to benefit salmon and other native fish species.\nThis funding will also pay for a mix of new water projects, water purchases, and fallowing of farmland will provide additional water for the environment. Additionally, new governance and science programs will manage the water and habitat in the Delta, as well as the rivers that flow into it.\nFor many years and in multiple publications by the Public Policy Institute of California, we have been calling for a negotiated agreement in the Delta and its watershed. This agreement needs robust management that includes shared governance, reliable funding, strong science support, and regulatory backstops if parties fail to live up to their obligations.\nThese must-haves are outlined in our recent report: A Path Forward for California’s Freshwater Ecosystems.\nIt is also time to shift away from the traditional approach to addressing environmental concerns in the Delta, which has overemphasized a handful of endangered fishes and a single management tool: the volume of water dedicated to these fishes.\nSuccess will require a broad portfolio of actions to manage the connections between water, land, and the many species—including humans—who rely on healthy ecosystems. The proposed framework makes an earnest attempt to take this broader approach.\nA negotiated agreement will, by necessity, be imperfect and controversial. That’s because it is just not possible to satisfy all interests in the Delta. The trade-offs are real, sometimes painful, and can only be resolved through compromise.\nMany Delta combatants are dug in, committed to fighting the same battles with the same arguments that they have been using for decades.\nWe can appreciate why many parties would want to hold out for a better deal, and absent that, turn to the courts in the hopes of getting their way. But as seasoned veterans of the Delta know well, the delay-and-litigate strategy has inherent risks because the outcomes are hard to predict.\nIn the meantime, the Delta and its watershed are changing rapidly—faster than science and management can keep up.\nMany factors are to blame, including current and historic land and water management, the introduction of innumerable non-native species, declining water quality, the inexorable rise of sea level, and the changing climate.\nThis important ecosystem needs attention now, before conditions deteriorate further.\nAn agreement, with all its imperfections, provides some measure of certainty to water users and the environment alike.\nIf a coalition of interests sign on, even if reluctantly, the likelihood of success goes up, because all parties will have an interest in making the agreement work.\nPerhaps most importantly, an agreement is the only way to comprehensively address the Delta’s problems. Drawn-out legal battles over how much water is allocated to the environment ignore all the other factors that affect ecosystem health.\nWe are not endorsing the specific contents of the Newsom Administration’s proposed framework. But we believe it has the “bones” of an eventual agreement that can be durable and binding, avoiding lengthy delays in addressing the Delta’s many problems.\nThe many Delta interests should persevere and try to make this agreement happen. This is an opportunity—the kind that comes along rarely—to shift from fighting about the Delta’s future to actually shaping it.", "label": "No"}
{"text": "St. James’s Park, is the oldest castle garden owned by the British monarchy. The park is located in City of Westminster, Central London with an area of 23 hectares. St. James’s Park is surrounded by three palaces namely Buckingham Palace in the west, St James’s Palace in the north and the Palace of Westminster or now known as the House of Parliament in the south. In the middle of the park there is a lake there are two islands, the West Island and Duck Island.\nSt. James’s Park in antiquity is a forest with vast expanse of grassland with many swamps. This area was then used as agricultural land and livestock. In the 13th century, established a special hospital for leprosy patients, namely St. James’s Hospital. Since then, the area around the hospital named St. James’s area.\nMost areas of St. James’s this form of swamps because it is one place that is often impassable by the flood of the river Tyburn prior to the River Thames. A forest area accompanied by the swamp to make this place as an ideal place for hunting, one of the predilection of the king of England at that time, King Henry VIII. He then bought most of this area and make it as a place to hunt deer. In addition, he also established a castle in the area, known as the St. James’s Palace.\nAt that time, the official residence of the king was the Palace of Westminster. In the reign of King James I, precisely in 1603, this area, then dried and made into a park. A park with several ponds, lakes and even an island where they’re king put some pet animals such as camels, crocodiles or elephants. The park is known as the St. James’s Park.\nAt the time of King Charles II seized the throne, he ordered St. James’s Park was redesigned. He uses the services of the French landscaper namely Andre Dr Molet to change the appearance of the park. In the middle of the park created a small river along 2560 feet to the width is 126 feet, with a wide variety of trees planted by its side. In the reign of King Charles II is St. James’s Park opened to the public.\nSome changes to the St James’s Park occurred in the 19th century to become a park with a more natural style. Small river in the middle of the park there is then converted into a lake there are two islands. Besides St. James’s Park, some of the surrounding areas were also built like Buckingham Palace, Regent’s Park and Regent’s Street.\nThe renovation was done under the direction of architect John Nash and the last big change until today. One of the main attractions of St. James’s Park is a lake located in the middle of the park. In the middle of the lake there are two small islands, namely West Island and Duck Island. A duck Island name given because of the many kinds of ducks and birds that live around the island and the lake. One duck species most widely viewed around the lake is Mallard, wild duck with green head, brown body, yellow beak with some sort of white lines on his neck.\nIn addition, there are also other types of ducks that are Tufted Duck who are migrants from Iceland and Northern Europe in winter. Tufted Duck is smaller than a mallard with most color is black with shades of white on the side. The uniqueness of the Tufted Duck is they have some sort of crest on the back of the head. Other types of British fowls that are around the lake are Shelduck, Wigeon, Gadwall, Teal, Pintail, Shoveler, Goldeneye and Black Swan.\nBut of the many types of fowls, one of the most fowls that becomes an attraction in St. James’s Park is a Pelican bird. The Pelican bird first became residents of the park since 1664 as a gift from the Russian ambassador. Park visitors will be able to see this Pelican bird sunbathing or eating fresh fish in their favorite rock at 2:00 p.m. to 3:00 p.m. daily.\nIn addition to the lake with various types of poultry, St. James’s Park also has another beauty of the trees of various species of birds and mammals that live in old trees such as squirrels and bats. A flower garden with a semi-circular design with planted a variety of flowers that match the flower garden at Buckingham Palace. The flower garden is named Memorial Gardens, built in 1901 by Sir Aston Webb in memory of Queen Victoria.\nIn the area of St. James’s Park there are also several pieces of the facilities that can be used by visitors to rest. One of them is the Inn the Park restaurant is open throughout the season and offers a variety of delicious menus. The restaurant is open from 8:00 to 18:00, while on weekends open starting at 9:00. There is also a children’s playground. St. James’s Park is the oldest palace gardens and situated in the central London.", "label": "No"}
{"text": "Cats possess the righting reflex which allows them to always land on their feet after a fall, even if they are dropped with their back towards the ground. At first, this ability may seem like it violates the Law of Conservation of Angular Momentum; the cat starts with zero angular momentum and no external force acts on it, so it must turn its self over while maintaining zero angular momentum. To achieve this, a cat will bend its back, creating two different axes of rotation on its body, one on its front half and one on its back half. Next, the cat will tuck its front legs towards itself, lowering the moment of inertia of the front half, and rotate so its front half is facing the ground. Simultaneously, the cat will stretch its hind legs out, increasing the moment of inertia of its back half while it rotates in the opposite direction as the front half did to maintain zero angular momentum. Due to the back half's large inertia, the angular velocity of the back half will not be as big as the front half's and it will not rotate as much. Once the front half of the cat is facing the ground, the cat will rotate its hind legs to face the ground. To do this, the cat will straighten the front legs, increasing the moment of inertia and lowering the angular velocity. The hind legs are brought into the body, lowering the moment of inertia and increasing angular velocity. As a result, the rear end of body rotates to face the ground while the front half barely rotates due to its large inertia.", "label": "No"}
{"text": "Sea cucumbers are marine invertebrates that live on the seafloor. They're named for their unusual oblong shape that resembles a fat cucumber. Although people occasionally eat sea cucumbers, these chubby, worm-like sea creatures aren't related to their namesake fruit (and they wouldn't make a very appetizing salad topping if you were expecting a crunchy, refreshing bite).\nThere are about 1,250 species of sea cucumber, all of which belong to the taxonomic class Holothuroidea. This class falls under the Echinodermata phylum, which also includes many other well-known marine invertebrates, such as sea stars, sea urchins and sand dollars, according to National Geographic.\nSea cucumbers range in size from about three-quarters of an inch (1.9 centimeters) to more than 6 feet long (1.8 meters) and live throughout the world's oceans, from nearshore shallow waters to the ocean's deepest trenches, according to the National Wildlife Federation. No matter the depth, their main residence is on the ocean floor, often partially buried in sand.\nRelated: 7 Bizarre Facts About the Ocean\nSea cucumbers, like all other echinoderms, exhibit radial symmetry, according to the University of California, Berkeley's Museum of Paleontology (UCMP). But instead of having five arms arranged in a circle like sea stars or sand dollars, sea cucumbers have five rows of tiny feet that run lengthwise down their bodies, from mouth to anus. Their tube-shaped feet serve mainly to anchor the limbless creatures to the seafloor, according to Woods Hole Oceanographic Institution (WHOI). Sea cucumbers move across the seafloor by changing the water pressure in their feet; they increase the amount of water in their feet to stretch them out and release the water to contract them.\nWhat do sea cucumbers eat?\nAs the creatures slowly meander about, they use the extra 20 to 30 little tube feet around their mouths to shovel everything in, including sand. They feed primarily on tiny pieces of algae and marine creatures, which get broken down into smaller and smaller pieces, similar to how earthworms break down organic matter in gardens, according to the National Oceanic and Atmospheric Administration (NOAA).The sand that the sea cucumbers ingest passes straight through their system and comes out the other end in the form of a sandy poop log.\nAlong with the sand, sea cucumbers excrete byproducts that benefit ocean ecosystems, particularly coral reefs. A 2011 study published in the Journal of Geophysical Research found that sea cucumbers' natural digestion process gives their waste products a relatively high (or basic) pH, which means the water surrounding sea cucumber habitats is somewhat protected from ocean acidification. Sea cucumbers also excrete calcium carbonate, which is a primary ingredient in coral formation, and ammonia, which acts as a fertilizer and promotes coral growth.\nAnatomy and reproduction\nSea cucumbers have a relatively simple internal anatomy, consisting of three main sections: digestive, respiratory and reproductive, according to the book \"Marine Benthic Fauna of Chilean Patagonia\" (Nature in Focus, 2010).\nAlthough sea cucumbers don't have bones, many species of the animal have a rudimentary skeleton made of microscopic plates of calcium carbonate that lie loosely scattered underneath the skin, according to UCMP. Some species can align their skeletal plates when threatened so that their bodies become rigid, according to the University of Alaska Southeast.\nThe digestive tract consists of a long intestine coiled between the mouth and the anus that's approximately two to three times the length of the sea cucumber. Occasionally, if disturbed or stressed, sea cucumbers will expel their entire digestive system, but they can grow a replacement in just a few weeks, according to WHOI.\nA sea cucumber's respiratory system is made up of two respiratory trees on either side of the digestive tract, according to the University of Alaska Southeast. Water flows into the body through the base of the two Y-shaped trees at the anus, and oxygen is transferred across a thin membrane into the body cavity.\nMost species of sea cucumbers reproduce sexually via external fertilization, according to National Geographic. This means that the males release their sperm into the water and females release their eggs into the water, and hopefully a few egg and sperm run into each other. The animals must release hundreds of thousands of sperm and egg cells to increase the chances of fertilization occurring.\nThe sea cucumber larvae drift with the currents until they grow large enough to latch onto the ocean floor.\nScientists have identified at least 16 species of sea cucumber that can also reproduce asexually, by splitting in two, according to a 2017 article published in the journal Ecology and Evolution. Each half of the split sea cucumber regenerates the organs it's missing and essentially becomes a clone of the original animal.\nPeople eat lots of sea cucumbers\nThe International Union for Conservation of Nature and Natural Resources (IUCN) categorizes a few species of sea cucumber (such as the brown sea cucumber, Isostichopus fuscus) as vulnerable or endangered. But most species are considered a species of least concern, or there are not enough data to make an accurate assessment of the species' population.\nWith the exception of some populations in temperate waters in the Northern Hemisphere, sea cucumbers are heavily fished, according to a 2010 report from the Food and Agriculture Organization of the United Nations (FAO). Most of the animals that are harvested are exported to Asian markets, where sea cucumbers are considered a delicacy.\nIn some areas, such as Papua New Guinea, overfishing of sea cucumbers has completely decimated the local population, Cool Green Science reported. Much of the sea cucumber trade occurs on the black market, according to the U.S. Department of Justice.\nThe FAO has released guidelines for the sustainable harvesting of sea cucumbers around the world. These guidelines have become laws in some countries, but many places don't have the resources to enforce the regulations. As scientists continue to learn more about sea cucumbers, the FAO has revised its guidelines accordingly.\n- Have you seen a sea cucumber recently? Figure out which species of sea cucumber you encountered with the Marine Species Identification Portal.\n- Learn more about sea cucumbers in this video from the XL Catlin Seaview Survey.\n- Watch another weird and rare video of sea cucumbers swimming, from the Monterey Bay Aquarium Research Institute.", "label": "No"}
{"text": "Swiss Family Robinson\nDavid Stuart Davies looks at this much-loved, much-adapted story of a family shipwrecked on a ...\nWhen writing the Introduction to the Wordsworth edition of Shakespeare’s Othello, I discussed the play’s notorious ‘double time scheme’. It was Thomas Rymer who, in the 17th century, pointed out that there was something very peculiar about the chronology of Othello: so peculiar, indeed, as to render impossible the repeated adultery of which Desdemona is accused by Othello. But this is not the only case of chronological oddity in Shakespeare’s works; and, frequently, the plays offer us cultural impossibilities too.\nIn Titus Andronicus, the setting is pagan Rome. Shakespeare draws on several phases in Rome’s history, but that the culture is pre-Christian is without doubt. The deities invoked by characters include Enceladus and Pallas (Greek), and Mercury, Virgo, Saturn, Diana, Jupiter and Astraea (Roman). Demetrius recognises a quotation from Horace, and Lavinia displays Ovid’s Metamorphoses. But then, see what happens in Act 4, scene 4. In strolls a Clown (we may take the word ‘Clown’ to mean ‘a rural proletarian’), and when Titus asks him for a message from the god Jupiter, he says:\nAlas, sir, I know not Jubiter; I never drank with him in all my life.\nHe is employed by Titus to take to Emperor Saturnine a letter demanding justice. This is how the Clown addresses the emperor:\nGod and Saint Stephen give you godden. I have brought you a letter and a couple of pigeons here.\nIn Shakespeare’s plays, clowns sometimes have the magical pilot’s licence to fly through time and space. This Clown seems to have arrived from Shakespeare’s rural England, bringing an incongruous Christian greeting to the ruler of pagan Rome. Some moments of surrealistic comedy ensue; for Saturnine, understandably infuriated, cries: ‘Go, take him [the Clown] away and hang him presently,’ The Clown responds with an exclamation (invoking the Virgin Mary) and a jest:\nHanged, by’ Lady! Then have I brought up a neck to a fair end.\nHere we see that the comedy involving the Clown derives a bit of its humour from the wit (‘fair end’ meaning both ‘beautiful head’ and ‘just death-sentence’) and most of its humour from its obvious breach of theatrical decorum as a clownish insouciant Christian intrudes into grim pagan Rome: anarchic fun within a gory tragedy.\nIf we seek cultural and chronological muddles, there is no better play than Hamlet. Just ask yourself, ‘In what time is the action set?’, and you will find numerous answers. Much of the time, the action seems contemporaneous with Shakespeare’s days. Hamlet himself often expresses a modern, sceptical sensibility. The duel is fought with rapiers. There is discussion of the controversial success of the child actors in the city: and this clearly refers to the city of London, not a city in Denmark, for ‘The Children of the Chapel’, a company of boy actors at London’s Blackfriars Theatre, became fashionable in 1600 and 1601. On the other hand, Hamlet’s father, with his full armour including a helmet with a visor, seems to belong to an earlier period, perhaps mediaeval; and the Ghost says he comes from Purgatory (which Catholics believed in but Protestants denied). Yet Hamlet, with modern scepticism, describes death as that bourn from which no traveller returns, even though he has recently met such a traveller. In Act 4, scene 3, Claudius says that the English court will carry out his instruction that Hamlet be killed there, because England has so recently been punished by Danish forces and is obliged to pay tribute. This refers to the period between the ninth and eleventh centuries when England was obliged to pay massive sums of ‘protection money’ (the ‘Danegeld’) to the powerful Danes. So, culturally, geographically and chronologically, the play contains some striking inconsistencies.\nFurthermore, in 1931, the critic A. J. A. Waldock argued persuasively that Hamlet’s character is complicated because it is a palimpsest – a muddle of old and new. Part of the time, as when Hamlet says ‘Now could I drink hot blood’ and ruthlessly dispatches Polonius, Rosencrantz and Guildenstern, we are encountering the ruthless Amlothi or Amleth (a name meaning ‘Dimwit’) of the ancient Danish source-tale; and part of the time, in contrast, we are hearing the sophisticated, sensitive Hamlet whom Shakespeare has introduced. Our Hamlet lurches between brutal action and, in contrast, sensitive introspection and civilised humanity; and this is because the nastiness of the ancient progenitor is repeatedly infiltrating the likeable modern character.\nIn King Lear, the cultural and chronological references are, again, a muddle.\nThe legendary Lear was a pre-Christian leader, and characters invoke ‘the gods’, Jupiter, Juno, Apollo, Hecate and Nature: so the action seems to be located in a post-Roman but pre-Christian Britain. Yet the characters also invoke God, Satan, Adam and Eve, St Mary, churches and holy water: so at those times, the action seems to be taking place in the Christian era. Other references, to Tom o’Bedlam, schoolmasters, spectacles, and fops who frequently visit the barber, for instance, suggest times contemporaneous with Shakespeare’s. In Act 3, scene 2, however, the Fool tells the audience that he lives before the time of Merlin (the legendary Welsh magician described by Geoffrey of Monmouth in the 14th century); but, at the end of Act 1, scene 5, he is clearly contemporaneous with the actual performance in the Jacobean theatre, for he says that any virgin in the audience who dares to laugh as he goes off-stage will soon be deflowered. No wonder Samuel Johnson complained that Shakespeare ‘commonly neglects and confounds the characters of ages by mingling customs ancient and modern.’ We might also ask what becomes of Lear’s many knights, who seem to vanish as the story advances: fair-weather friends or poor map-readers? And, notoriously, the Fool disappears without explanation. (When Lear says ‘And my poor fool is hanged’, editors explain that ‘fool’ could be a term of endearment, so the reference is to Cordelia. But the phrasing naturally brings the male Fool to mind, and thus renders conspicuous his absence from Acts 4 and 5. One theory is that the actor who played the Fool also played Cordelia.)\nFrom the time of Geoffrey Chaucer to the late 17th century, authors frequently muddled cultural allusions – often mixing, with bizarre inconsistency, the classical and the Christian. For example, at the end of Chaucer’s Troilus and Criseyde (written circa 1385), the spirit of the slain pagan Troilus ascends to Heaven, scorns the vanity of the world which contrasts so greatly with the felicity which Heaven provides, and then goes to the place allotted to him by the Roman god Mercury. In John Milton’s elegy Lycidas (written in 1637), the mourning poet is consoled by Phoebus Apollo, the Hellenic god, before he declares that Jesus has granted Lycidas a place in Heaven, Nevertheless, given the intense religious questioning within King Lear, the muddle there becomes frustratingly prominent. As the nature and, indeed, the very existence of divine justice are fiercely debated in the play, the theological inconsistencies become tantalising.\nAmong the comedies, The Merry Wives of Windsor offers us remarkable chronological confusions. The play contains allusions to the royal Order of the Garter ceremonies at Windsor in 1597, and the work’s general tone fits the 1590s. But the presence of Falstaff and his cronies Pistol, Nym and Bardolph, together with Nym and Mistress Quickly, implies the early 15th century (the fictional time of Henry IV, Part Two, in which these characters appear). Page tells us that young Fenton (who is now reformed) ‘kept company with the wild prince [Hal, later Henry V] and Poins’; and Henry lived from 1386 to 1422. The Merry Wives of Windsor thus seems to be a comedy of the 1590s in which characters from an earlier century have been incongruously resurrected. This Falstaff proves to be an inferior relative of the brilliantly subversive Falstaff of the histories, whose poignant death was reported in Henry V.\nIn the late Romances (Pericles, Cymbeline, The Winter’s Tale and The Tempest), we encounter another rich mixture of allusions. The notable example of muddle occurs in The Winter’s Tale. The very title is odd, since much of the action takes place in summer, the sheep-shearing time. In that play, the declaration by the oracle of Apollo is crucial to the plot, Perdita invokes Jove, and Hermione praises the gods; yet, early on, there is a reference to the Christian doctrine of original sin; later, Perdita speaks of ‘Whitsun pastorals’, and Autolicus (that, and not ‘Autolycus’, is how the First Folio spells his name) mentions not only the Prodigal Son but also hallowed items which ‘brought a benediction to the buyer’. Camillo mentions Jesus and Judas. We are told that a statue of Hermione has been completed by the famous Giulio Romano, and he was a real-life architect and sculptor who had died as recently as 1546. Autolicus, with his songs, tricks, and thieves’ slang, belongs distinctly to Shakespeare’s day, as do the country folk at their festival. The currency of Bohemia proves to be pounds and shillings. Thus, the historical era veers to and fro between ancient and modern, while the cultural frame of reference is sometimes polytheistically classical and sometimes strongly Christian. At times we are located in ancient Sicily and at other times the location seems to be Shakespeare’s Warwickshire. Although Sicily was the traditional homeland of pastoral poetry, here Bohemia is the main provider of pastoralism. Hermione is eventually found to be alive, even though her death had been reported and believed (and she had presumably been buried, for Leontes often prayed at her grave), and her ghost had appeared to Camillo. Ghosts surely emanate from the dead, not from the living. Another oddity: in Act 4, scene 1, the character Time tells us that sixteen years elapse, but the very next scene says that fifteen years have elapsed. Thus, muddles abound. Because parts of the play are remarkably intelligent, its apparent stupidities become the more noticeable. Notice that in The Tempest, Shakespeare elegantly coordinates the religious (Christian and classical) and sceptical allusions: for example, in the masque of Ceres, Iris and Juno, the deities are played by spirits at Prospero’s command. Here is no muddle but an exquisite harmony.\nI began this essay with a reference to the famous ‘double time scheme’ of Othello. You’ll recall how it operates. Iago persuades Othello that Desdemona has committed adultery with Cassio – not once but on numerous occasions. But only thirty-three hours or so elapse between Desdemona’s arrival on Cyprus and her death at Othello’s hands. No time for the repeated adultery to occur. But the play also contains some inconsistent ‘long-time’ references: for example, Bianca’s reproaches to Cassio that he has neglected her for a week, and Emilia’s claim that Iago has asked her ‘a hundred times’ to steal the handkerchief. So audiences, while sensing that something is amiss, tend to accept as plausible the sequence of events. The variable clock probably makes us sympathise more with Othello; for, as he is fooled by Iago’s manipulation of evidence, we may sense subliminally that we are fooled by Shakespeare’s: our plight has analogies to Othello’s. What is subliminal to audiences in the theatre may, of course, be fully conscious to readers in their studies, for readers have leisure to pause and look forwards and backwards to assess temporal consistency or the lack of it, and textual editors draw attention to discrepancies.\nShakespeare was indeed a maestro of the double time scheme: he uses it in Love’s Labour’s Lost, Richard II, The Merchant of Venice and Measure for Measure, for example. The playwright intensifies the drama by compressing the action, but that produces a chronological split. The action in the foreground is rapid, but its plausibility depends on the inconsistently longer time-scale indicated by ‘long time’ allusions. In Measure for Measure, the main dramatic events concerning Angelo, Claudio and Isabella (from the time of Claudio’s arrest to the return of the Duke) seem to take only four or five days: in 1.2.59-61, Overdone says that Claudio is to be executed ‘within these three days’. The period of the Duke’s supposed absence, however, appears to take months rather than days: he is thought to have travelled as far as Poland, Rome, or even Russia; and, in his guise as ‘Friar Lodowick’, he becomes well established, paying frequent visits as advisor to Mariana. The tribulations of Overdone and Pompey imply a longer time-span than is appropriate to Claudio’s desperate plight.\nThus, suspense is maintained by our sense that the Duke must act very speedily to save Claudio and outwit Angelo, while the long-time references enable us to believe that Angelo’s rule has become fully established and its many consequences unfolded. Strangely, in this play the anomalies seem to matter little to theatre audiences, perhaps because of the intensity of the short-time drama. Readers of the play, in contrast, as we have noted, have greater leisure to question the chronology. In the theatre, human memory becomes fallible as we concentrate on the ‘human interest’. We know that Elizabethan and Jacobean plays often lack the chronological discipline that we expect in many a modern novel, so we may stifle expectations of precision. In any case, awareness of a double time scheme may remind us that in everyday life we experience time as multiple and contradictory: the electric clock says one thing; the mental clock (varying its pace in pleasure and pain, retrospection and anticipation, dreaming and waking) says another.\nThe marked contrast between the untidy Winter’s Tale and the elegant Tempest, written within a year or so of each other, shows that Shakespeare was well able to curb muddles and provide orderly drama when he wished. The fact that two of his most muddled tragedies, Hamlet and King Lear, are among his greatest achievements is surely a tribute to the power of audiences, actors and directors to magnify the human drama and to veil or minimise the inconsistencies. When Polonius says that he will treat the players ‘according to their desert’, Hamlet responds:\nGod’s bodkin, man, much better! Use every man after his desert, and who shall scape whipping? Use them after your own honour and dignity: the less they deserve, the more merit is in your bounty.\nSuch generosity of spirit must often have greeted Shakespeare’s muddles. Indeed, we (readers, spectators) are Shakespeare’s constructive co-authors.", "label": "No"}
{"text": "Wikipedia:What is an article?\nWhat is an article?\nA Wikipedia article is a page that has information suitable to be in an encyclopedia. See Special:Allpages for a list of all Wikipedia articles and Wikipedia:Statistics for information on Wikipedia and its growth. \"Articles\" belong to the main namespace of Wikipedia pages (also called \"article namespace\") which does not include any pages in any of the namespaces below that are used for other purposes, such as:\nBut not all pages in the article namespace are considered to be articles; the most notable exceptions are:\nThe automatic definition used by the software at Special:Statistics is: any page that is in the article namespace, is not a redirect page and contains at least one wiki link. The statistics software currently has no method of detecting disambiguation pages, however; nor does it disregard stubs (but in any case, many articles tagged as stubs are quite substantial) or stublists (lists templates with little or no content).\nQuality of articles[change | change source]\nArticles range greatly in quality, from very good articles to candidates for quick deletion. Some articles are quite long and have a lot content while others are shorter (possibly stubs) and of lesser quality.\nRelated pages[change | change source]\nOther websites[change | change source]", "label": "No"}
{"text": "Understanding Fever And Its Possible Causes\nOur body is unique that it has a built-in thermoregulator that controls the body’s temperature, not to cold or not to hot. I could assume that all people living in our planet have experienced having a high temperature or medically termed as having a fever. In some studies, normal temperature is defined as a morning temperature of 37.2 degrees C or 98.9 degrees F, and a PM temperature of 37.7 degrees C or 99.9 degrees F. Fever is defined as an elevation of body temperature from the normal values mentioned above. Once our body sensed a change in body temperature, it has its own mechanism of decreasing body temperature back to normal. What is more important is to know thepossible causes of fever to be able to apply proper remedy and halt the increasing body temperature.\nInfections – infections can caused an increase body temperature due to its inflammatory nature. May it be a viral, bacterial or a fungal infection, these invaders can trigger an inflammatory cascade in the body causing the body temperature to increase. Aside from fever, chills and cold sweats could also manifest when having an infection. When having an infection, it is important to know the source, as to be able to target it and cure the disease. So when you have a fever, think of infection as a possible cause.\nInflammatory disease – inflammatory disease like your rheumatoid arthritis or your systemic lupus erythromatosus (SLE) could manifest with fever as a presenting sign. Usually fever is part of a constellation of symptoms associated with inflammatory diseases. Inflammatory cells like your TNF, IL1, usually cause fever in this type of diseases. Consider inflammatory disease as a differential when faced w/ a vague fever.\nMalignancy -The number of malignant cases worldwide are growing with Lung cancer as the leading form causing death. Cancer like the first two disease entities also has an inflammatory nature therefore could also cause fever. Fever may be the initial symptom or it could be a part of several systemic manifestations like body malaise, weight loss, etc leading to malignancy. Cancer should be caught early to be able to aim for cure and just pallation.\nDamage to the Brain – insults to the brain could increase the thermoregulation point hence producing fever. Body temperature is being controlled by our hypothalamus. Hence an insult to this part usually could elevate the normal temperature threshold in the body. Brain haemorrhage, a brain infarction or uncontrolled epilepsy, these could all produce fever by meddling with the set point made by our hypothalamus.\nThere are still a lot of possible causes of fever, some are usually benign but some could be life threatening. It could be easily cured by your over the counter paracetamol but sometimes your fever could just be a start of something big. Others could be simply relieved with sleep while some would need some medical attention. So when face with fever, don’t underestimate it, as it could be just the tail of a life changing disease.", "label": "No"}
{"text": "The model you made of Earth's solar system in elementary school is obsolete. If it includes Pluto, anyway.\nThanks to a controversial August 2006 demotion, Pluto was rendered a dwarf planet. And Neil deGrasse Tyson helped lead the charge by refusing to refer to Pluto as the solar system's ninth planet in the Hayden Planetarium's display. Pluto, with its elongated orbit and 50 percent ice composition, was too different from the other planets, Tyson insisted; it was simply the first of a new class of objects that weren't realized until the early 1990s [source: NPR].\nPluto and Tyson, who were dubbed \"frenemies,\" began a complicated relationship that played out in the media. While Tyson's been quick to say he wasn't solely responsible for Pluto's \"killing off\" as a planet, he admits he was an accessory to the fact. \"All I did was drive the getaway car\" [source: Houston].\nProfessionally, Tyson stands by his actions. Personally, however, his feelings remain mixed. So much so that three years after Pluto's demotion, he opened up on his blog. \"I feel compelled to defend Pluto's honor,\" Tyson wrote. \"It lives deeply in our 20th century culture and consciousness and somehow rounds out the diversity of our family of planets like the troubled sibling of a large family.\"", "label": "No"}
{"text": "Manual of engineering drawing 4th edition elsevier. Focusing on the graphic aspects of engineering and industrial technology, technical drawing 4e integrates key coverage of design and visualization for. Angle projection symbol in the drawing thats what we use and what i expected to see. Buy large isometric ellipses template projection drafting and design template stencil symbols technical drawing scale. Engineering drawing important symbol for mechanical trade.\nIn technical drawing and computer graphics, a multiview projection is a technique of illustration by which a standardized series of orthographic twodimensional pictures are constructed to represent the form of a threedimensional object. This projection planes serves the same purpose in technical drawing as is served by the movie screen. When oeiso 10579 is placed on the drawing, all geometrical tolerances that do not have the symbol oee in the tolerance frame apply in the restrained assembled condition. Third angle orthogonal projection symbol because there are two projection systems used worldwide, all drawings must show a projection symbol to identify the system used. Axonometric drawing that show all three dimensions of an object in one view. First angle projection is widely used throughout all parts of europe and often called european projection. In technical drawing, the principles of geometry are employed constantly, but instruments are not limited to the basic two as tsquares, triangles. Coverage spans from basic to advanced aspects of engineering and industrial technology, providing readers with fundamental exposure to design and visualization for computer modeling, as well as the more traditional methods of technical drawing. The ability to read and understand drawings is a skill that is very crucial for technical education students.\nFirst angle and third angle projection engineering insider. Recognize and sketch the symbol for thirdangle projection. Technical drawing style,jis standard,general dimensioning. A 3d projection or graphical projection maps points in threedimensions onto a twodimensional plane. First angle orthographic projection technology student. Advices weve heard for mechanical drawing symbols mechanical engineering symbols. Drag a sheet format, border, title block, or sketched symbol and drop it at the appropriate position in the browser.\nThe mechanical engineering branch, mechanical systems division, has been delegated. As graphics are usually displayed on twodimensional media such as paper and computer monitors, these projections are widely used, especially in engineering drawing, drafting, and computer graphics. Fundamentals handbook engineering symbology, prints, and. When the 3d object is projected into 2d paper after projected front view the top view is placed on the top and the left view is placed on the left. Initials of staff who have designed, checked and approved.\nMechanical engineering drawing book pdf luxury chris kordecki. Drawing important symbol for mechanical trade mechanical trade engineering drawing important symbol. Pdf technical drawing presentation and practice researchgate. Technical drawing style,jis standard,general dimensioning and. Textbook of engineering drawing, second edition xfiles. Third angle in the system used in north america and. Chapter six orthographic projection technical drawing with. There are some technical drawing styles to follow to make technical drawing either freehand or by using cad applications. Engineering drawing practice for schools 81 colleges bureau ofindianstandards manak bhavan, 9 bahadur shah zafar marg new delhi 12. Templates for drawings inventor autodesk knowledge network. The projection symbol must be added to the completed drawing to indicate which system has been used. Sep 26, 20 erwann, that symbol is just block or sketch entities and doesnt relate to type to projection used in the sheet. Orthographic projection orthographic drawing, engineering. These are isometric, orthographic, oblique, and perspective.\nThird angle projection, isometric view, orthographic. This newly updated edition focuses on the drawing skills and information that are vital to a successful career in drafting. Fundamentals handbook engineering symbology, prints, and drawings module 1 introduction to print reading this document, and more, is available for download at martins marine engineering page. Acquiring the above said ability and doing small drawings is not a simple task. Feb 11, 2011 we use your linkedin profile and activity data to personalize ads and to show you more relevant ads. Why do we use 3rd angle projection in engineering drawing. Engineering drawing problems workbook series 4 for technical drawing with engineering graphics 14th edition edit edition. Multiview drawing that each view show an object in two dimensions. If you mean how do you project orthographic shapes to trace then the best way would be to place a light 180 degrees behind the object you wanted to draw.\nUniversity of hertfordshire engineering drawing school of. Technical drawing, drafting or drawing, is the act and discipline of composing drawings that visually communicate how something functions or is constructed technical drawing is essential for communicating ideas in industry and engineering. Engineering drawing course and in minimizing discrepancies prevailing. Iso standards state that both systems of projection are equally acceptable but they should never be mixed on the same drawing. Rightclick the sheet formats, borders, title blocks, or sketched symbols entry, and then select sort by name. Nov 01, 2017 first of all, we know that the first angle projection system and third angle projection system both are the methods used for orthographic projection drawing. The chapter presents tolerancing of a nonrigid flexible part according to iso 10579 and provides some principle conditions of drawing nonrigid parts. Again, as the observer is normally supposed to look from the right side of the quadrant to obtain the front view, in this method, the projection plane comes in between the observer and the object.\nIntro to welding symbols fillet welds an introduction into reading welding symbols. The instructor is herewith advised to go through the instructions given below and to follow them in view of imparting much drawing skill in the trainees. Both drawing types are used in technical drawing for communication. May 20, 2018 mechanical trade engineering drawing important symbol. Thus, every drawing of an object will have four things on which projection depends. On engineering drawings, the projection angle is denoted by an international symbol consisting of a truncated cone.\nOrthographic projection technique can produce either 1. Hi there are only 2 possibilities in orthographic projections 1. Oblique drawing projection is a method of drawing objects in 3 dimensions. Engineering drawing i ioe first year syllabus marking. The geometrical tolerancing desk reference sciencedirect.\nJul 12, 2015 the lines in red will take preference to the centre lines. In engineering drawing following four methods of projection are commonly used, these are. The method used for the projection is indicated by a distinctive symbol presentation of view drawing no 1. In the first angle projection system, the object placed in the first quadrant and in third angle projection system the object placed in the third quadrant. Modern engineering drawing, with its precise conventions of orthographic projection and scale, arose in france at a time when the industrial revolution was in its infancy. Thirdangle projection is primarily used in the united states and canada, where it is the default projection system according to asme standard asme y14. A tsquare is a technical drawing instrument primarily used for drawing horizontal lines on a drafting table, it is also used to guide the triangle that is used to draw vertical lines. Presentation of view drawing no 1 first angle projection symbol. A compressed handbook designed for the students of engineering disciplines for learning the basics of engineering drawing. List the six selection from technical drawing with engineering graphics, fifteenth edition book. The current british and iso standards state that these two systems of projection are equally acceptable but they should never be mixed on the same drawing. Another example of first angle orthographic projection is shown below. Convert the pictorial drawing to an orthographic projection.\nThis is more on the drawing templatesheet format to be created correctly. Complex technical drawings were made in renaissance times, such as the drawings of leonardo da vinci. The gsfc engineering drawing standards manual is the official source for the requirements and interpretations to be used in the development and presentation of engineering drawings and related documentation for the gsfc. The projection symbol is part of labeling requirements and is placed on the drawing along with the labeling of. There are a number of techniques of projection that can be used to represent threedimensional objects in twodimensions by projecting their image onto a planar surface. Jul 08, 2018 impncvt 2nd semester engineering drawing paper with answer key simple tutorial exam january 19 duration. Basic setup procedure in this video i will discuss the basic rules of setting up a part using geometric. These books will provide a good platform for achieving the said skills. Notice how the symbol for first angle orthographic projection has been added and the paper has a title block and. Orthographic projection objectives after studying the material in this chapter, you should be able to. Angle projection symbol in the drawing autodesk community. Drawing just like photography is one of the basic forms of visual communication. By analyzing different aspects of 1996 technical drawings included in the fyp about different scopes. The symbols define whether a projection is either first angle or third angle.\nA tsquare is a technical drawing instrument primarily used for drawing horizontal lines on a. Of course, you do need to understand that you are looking at a solid frustum of a cone, not a bucket. Templates free delivery possible on eligible purchases. Description of drawing instruments, auxiliary equipment and drawing materials 1. Follow the blue, red and green guidelines as the front, side and plan view are constructed. In the classroom it is, therefore, necessary to enforce higher drawing standards to allow students the opportunity to constantly practice line types, layout, drawing techniques, projection symbol and types of projection assembly and sectioning. I mean you can put a first angle symbol and set the sheet projection as third angle and there is no way to check that without looking at it. A projection is a drawing or representation of an entity on an imaginary plane or planes. Engineering drawing distant production house university. Mechanical trade engineering drawing important symbol. Technical drawings are based on the fundamental principles of projections. Normally when drawing in first or third angle projection a symbol is drawn underneath this clearly shows which angle of projection has been used.\nThird angle projectionusa, australia in first angle projection, first quadrant is considered to create orthographic views. C and presentation of view drawing no 2 c ft may be observed that while rotating the horizontal plane and the side vertical plane to come in a plane with the vertical plane, the first and third quadrants are always opened and. Drawing is used to record objects and actions of everyday life in an easily recognizable manner. The final arrangement of the views are shown in the drawing below. Different views of an object can be drawn by projections. Ce 100 civil engineering drawing sessional lab manual. The bestselling technical drawing is now updated and better than ever, providing you with complete coverage of the drawing skills and information you need for a successful career in drafting. Projection symbols engineering drawing joshua nava arts. Instrumental drawing, technical lettering practices and techniques 2 hours 1. Drawing projections designing buildings wiki share your construction industry knowledge.1521 1522 1615 559 1328 537 1082 385 24 657 1361 790 757 634 1539 1083 1178 1655 812 523 267 477 207 1003 943 1348 1216 1541 1659 857 274 142 1511 847 672 390 1403 251 851 778 379 1470 615 394", "label": "No"}
{"text": "With the unveiling of the First Public Working Draft of Speech Synthesis Markup Language 1.1, W3C is taking steps to broaden support for languages like Chinese in voice applications on the Web.\nIt is forecast that within three years, the World Wide Web will contain significantly more content from Chinese and Indian language families. In many of the regions where these languages are spoken, people can access the Web more easily through a less expensive mobile handset than through a desktop computer. Today the world has more than ten times as many cellphones as Internet-connected personal computers, and with an improved SSML, people worldwide will have an increased ability to listen to synthesized speech through mobile phones, desktop computers and other devices, extending the reach of computation and information delivery to nearly every corner of the globe.\nSSML 1.1 improves on W3C's SSML 1.0 Recommendation by adding support for more conventions and practices of the world's languages. One new feature helps to disambiguate \"word boundaries\" in languages that do not use whitespace as a word boundary, including Chinese, Thai, and Japanese. SSML 1.1 allows references to language-specific pronunciation alphabets. It clarifies the relationship between the author's specified speaking voice and the language being spoken. It provides finer-grained control over lexicon activation and entry usage.\nIn addition, SSML 1.1 provides features to better integrate with existing and upcoming Speech Interface Framework specifications.\nW3C is an international consortium where member organizations, a full-time staff, and the public work together to develop Web standards. W3C primarily pursues its mission through the creation of Web standards and guidelines designed to ensure long-term growth for the Web. W3C is jointly run by the MIT Computer Science and Artificial Intelligence Laboratory in the USA, the European Research Consortium for Informatics and Mathematics headquartered in France and Keio University in Japan.", "label": "No"}
{"text": "by Benjamin Marks, Economics.org.au editor-in-chief\nThere can be no argument for limited or representative government; only a conflicting mishmash of arguments for government and arguments for anarchy. And, ultimately, if an argument for government does not include divine will,1 then it can be no other than an argument for anarchy, for no one governs the governors. As Aristotle said (in another connection), “[W]hat has been alleged to be the greatest good in states does in fact make for their dissolution; whereas that which is the ‘good’ … makes for its preservation.”2\nAccording to Aristotle, “the king who is ‘subject to law’ does not … amount to a form of constitution.”3 Many political apologists have admitted this, but none put it better than Carl Schmitt when he said, “Sovereign is he who decides on the exception”4 and “The exception in jurisprudence is analogous to the miracle in theology.”5\nAdvocates of limited or representative government are without principle and avoid addressing whether they want government to rule or not; they are crooked, as Dante allegorised, “rectitude or rule … spurns deviation from the straight path.”6 If government should make laws, then all attempts to limit the ability of government to make laws, through constitutions, separation of powers, etc., or to have government represent you, through advisors, elections, lobbies, petitions, etc., are circuitously, frivolously and tortuously self-defeating. Dante understood this well:\n[L]et there be one agent (A) by which something can be brought about, and let there be several agents (A and B) by which it can equally be brought about; now if that same thing which can be brought about by means of A and B can be brought about by A alone, then B is introduced unnecessarily, because nothing [other than attracting the support of those duped] is achieved by the introduction of B, since the same thing was already achieved by A alone.7\nDo you want government to be supported by individuals or individuals to be supported by government? Either way you fall victim to Occam’s razor. If you choose both, then you do not fall victim to Occam’s razor, you fall victim to contradiction instead; your proposed government being either unlawful or no government. As Sir Robert Filmer put it:\nWe do but flatter ourselves, if we hope ever to be governed without an arbitrary power. No, we mistake … There never was, nor ever can be any people governed without a power of making laws, and every power of making laws must be arbitrary. For to make a law according to law, is contradictio in adjecto [self-contradictory].8\n(This was before Hans-Hermann Hoppe’s argumentation ethics.) Filmer explains further regarding limited or representative government:\n[T]he king commands me, or gives judgement against me; I reply, his commands are illegal and his judgement not according to law. Who must judge? If the monarch himself judge, then you … make him absolute … for, to define a monarch to a law, and then to make him judge of his own deviations from that law, is to absolve him from all law. On the other side, if any, or all the people may judge, then you put the sovereignty in the whole body, or part of it, and destroy the being of monarchy. Thus … a plain dilemma: if the king be judge then he is no limited monarch; if the people be judge, then he is no monarch at all. So farewell limited monarchy. Nay, farewell all government if there be no judge.9\nJohn Cotton says the same even more succinctly, “[G]overnment is not a democracy, if it be administered, not by the people, but by the governors … If the people be governors, who shall be governed?”10 And the separation of powers does not remedy the fact, to quote Filmer again:\nEvery supreme court must have the supreme power, and the supreme power is always arbitrary – for that is arbitrary which hath no superior on earth to control it. The last appeal in all government must still be to an arbitrary power, or else appeals will be in infinitum, never at an end. The legislative power is an arbitrary power, for they are termini convertibles [convertible terms].11\nIf one applies the laws that government applies to others, to government itself, then government is seen to be criminal. Therefore, as Hans-Hermann Hoppe put it, an “expropriating property protector [also known as] a tax-funded protection agency is a contradiction in terms.”12 Government is meant to be the enforcer of law, but if government is itself exempt from the law, then it is no different to a protection racket. Government steals off people (through taxation) in order to stop others doing the same. For this reason Albert Jay Nock said, “government claims and exercises the monopoly of crime,”13 and bumper stickers say, “Don’t steal. The government hates competition.” Government does not hold itself to the same standards as it does everyone else; it is hypocritical, making it logically indefensible. How else is one to explain parliamentary privilege, the secret (anonymous) ballot and unsigned yet binding “contracts” (the constitution)? They might say that it is necessary for the functioning of government. I agree with this response; it is an excellent argument against government.\nThe same pattern occurs with economic principles. Monopolistic services tend to be of inferior quality and higher cost than if there was competition to contend with. This is a fundamental application of the law of supply and demand. To deny this is to deny the most basic of economic principles and the very idea of economics as a science, as Gustave de Molinari said, “Either this is logical and true, or else the principles on which economic science is based are invalid.”14 Yet this is exactly what all supporters of government on economic grounds profess. They deny that economics applies to the most important of industries, like defence and education. They also manage to gloss over the little issue of how we are to defend ourselves from government, where government is the monopolist.\nIt is peculiar that everyone admits that governments have negatively sabotaged the economy in the past, and therefore admit that economic laws are not created by government. Yet with governments’ ability to uphold the law, they argue the opposite. They excuse what today would be unjust laws — unjust purely because they are not accepted by government today — as a consequence of a different cultural climate. Why are governments fallible when it comes to economic laws, but not legal ones? It is sabotage of the law that allows government to sabotage the economy.\n- In some circumstances that would be miraculous to recur today (ignoring some minor, though by no means surmountable, scriptural discrepancies), a Christian government would be possible, because they have the keys to heaven (Matthew 16:19). A Jewish government, however, is impossible; Jewish theocracy amounts to anarchy. For a historical survey of scripture-based arguments against Jewish government see Gershon Weiler, Jewish Theocracy (Leiden, Netherlands: E.J. Brill, 1988); and with greater emphasis on modern sources and the modern Israeli government see Yakov M. Rabkin, A Threat From Within, trans. Fred A. Reed with author (London: Zed Books, 2006). I am unsure of the position of other religions on government. I have also ignored any discussion of G_d vis-à-vis “its” unimaginable incorporeality. ↩\n- Aristotle, Politics, trans. T.A. Sinclair, rev. Trevor J. Saunders (London: Penguin, 1992), p. 105, bk. II, ch. ii. ↩\n- Ibid., p. 225, bk. III, ch. xvi. ↩\n- Carl Schmitt, Political Theology, trans. George Schwab (Chicago: The University of Chicago Press, 2005), p. 5. ↩\n- Ibid., p. 36. ↩\n- Dante, Monarchy, ed. and trans. Prue Shaw (Cambridge: Cambridge University Press, 2004), pp. 15-16. ↩\n- Ibid., p. 24. ↩\n- Sir Robert Filmer, The Anarchy of a Limited or Mixed Monarchy, in his Patriarcha and Other Writings, ed. Johann P. Sommerville (Cambridge: Cambridge University Press, 2004), p. 132. ↩\n- Ibid., p. 151. For why John Locke — the most famous respondent to Filmer — and others, put, theoretically speaking, the defence of government on the wrong path see Carl Watner, “‘Oh, Ye Are For Anarchy!’: Consent Theory In the Radical Libertarian Tradition,” Journal of Libertarian Studies, vol. 8, no. 1 (Winter 1986), pp. 111-137. ↩\n- John Cotton, The Correspondence of John Cotton, ed. Sargent Bush, Jr. (Chapel Hill and London: University of North Carolina Press, 2001), pp. 246-45. ↩\n- Sir Robert Filmer, The Free-holders Grand Inquest, in his Patriarcha and Other Essays, as referenced above, pp. 99-100. ↩\n- Hans-Hermann Hoppe, Democracy — The God that Failed (New Brunswick, NJ: Transaction Publishers, 2002), p. 81. ↩\n- Albert Jay Nock, The State of the Union, ed. Charles H. Hamilton (Indianapolis: Liberty Fund, 1991), p. 43. ↩\n- Gustave de Molinari, The Production of Security, trans. J. Huston McCulloch (New York: Center for Libertarian Studies, 1977), p. 4. ↩\n- Why Sports Fans Should Be Libertarians\n- Ron Manners’ Heroic Misadventures\n- Government Schools Teach Fascism Perfectly\n- Deport Government to Solve Immigration Problem\n- The Drugs Problem Problem\n- Self-Defeating Campaigning\n- Gittinomics: Economics for Gits\n- Exclusive Ross Gittins Interview on The Happy Economist\n- Population Puzzle Solved\n- An Open Letter to the CIS\n- Principled Foreign Policy Options: Reinvade or Shut Up and Get Out\n- WORLD EXCLUSIVE: Political Corruption Exposed!\n- Feedback please: Is this worth doing?\n- CIS and IPA Defend State Schooling\n- A Thorough Review Without Spoilers of Wall Street: Money Never Sleeps\n- Dead Reckoning and Government: A Proposal for Electoral Reform\n- Quadrant Defends State Schooling\n- The MPS 2010 Consensus\n- Slogans for Property Rights Funeral\n- Government is Impossible: Introduction\n- Government is Criminal: Part 1\n- Exclusive John Howard Interview on Lazarus Rising\n- Response to Senator Cory Bernardi and the IPA\n- Earn $$$$$ by Justifying Government Against Anarchocapitalism: Survey\n- Statism is Secrecy: WikiLeaks vs Economics.org.au\n- One question the Labor Party, the Liberal Party, the Greens, the CIS, the IPA, Ross Gittins, Ross Garnaut, Ken Henry, Gerard Henderson, John Quiggin, Clive Hamilton, Tim Flannery, Catallaxy Files, Club Troppo, Larvatus Prodeo, Phillip Adams, Robert Manne, Michael Stutchbury, Miranda Devine, Andrew Bolt and Dick Smith are scared to answer\n- Libertarian Philanthropists Should Exploit Tax Evasion Convictions\n- Ronald Kitching Obituary\n- The Minarchist Case for Anarchism\n- Libertarianism in a 300-word rant\n- Economics.org.au in the news again\n- Libertarianism In An Executive Summary\n- The Banking Bubble Blow-by-Blow\n- WARNING: Libertarianism Is NOT ...\n- Would Anything Possibly Convince You that You Are Living Under a Protection Racket?\n- An Open Letter to Dick Smith\n- Economics.org.au at 42\n- \"My boyfriend calls himself a Marxist and votes Labor, what should I do?\"\n- \"He says if I leave him due to politics, I should leave the country too.\"\n- No Booboisie at Gülçin’s Galt’s Gulch\n- \"Hey, Mr Anarchocapitalist, show me a society without government\"\n- The Three Epoch-Making Events of the Modern Libertarian Movement\n- Government is Criminal: Part 2 - Methodological Individualism\n- Government is Criminal: Part 3 - Subjective Utility\n- Government is Criminal: Part 4 - Praxeological Synonyms\n- Government is in a State of Anarchy\n- Limited Government is Absolute Government\n- Why the 2012 double Nobel laureate is coming to Sydney\n- Exclusive Oliver Marc Hartwich Interview on Hans-Hermann Hoppe\n- A Critique of the Opening Two Sentences of the \"About CIS\" Page on The Centre for Independent Studies' Website, www.cis.org.au\n- An invitation for ANDEV members to the Mises Seminar\n- Sell the ABC to Rupert Murdoch: Lid Blown on ABC Funding Disgrace!\n- www.inCISe.org.au, The Centre for Independent Studies new blog\n- The Unconstitutionality of Government in Australia (demonstrated in under 300 words)\n- The Best Libertarian Film Is ...\n- Launch Southeast Asian Military Operations to Free Australian Drug Dealers and Consumers\n- Workers Party Reunion Intro\n- Hoppe's Inarticulate Australian Critics: The Hon Dr Peter Phelps, Dr Steven Kates and James Paterson\n- Vice Magazine Westralian Secession Interview\n- Sideshow to Dr Steven Kates' criticism of the Mises Seminar: Davidson vs Hoppe on Adam Smith\n- The Best Australian Think Tank Is ...\n- Announcing a new magazine to rival Time and The Economist\n- The exciting new Australian Taxpayers' Alliance\n- Neville Kennard Obituary\n- Contrarian Conformism\n- An invitation for Dick Smith, the IPA and other Walter Block fans to the 2nd Australian Mises Seminar\n- Westralian mining legend Ron Manners of Mannkal belongs in The Property and Freedom Society\n- What would Bert Kelly think of the Mises Seminar and Walter Block?\n- Bad news about the Mises Seminar\n- Gina Rinehart Fan Club gives big to Australian political education\n- Sam Kennard wins North Sydney by-election by unanimous consent", "label": "No"}
{"text": "Mother humpback whale and calf near the island of Maui, Hawaii, July 17, 2015. (Photo courtesy NOAA) Public domain.\nBy Sunny Lewis\nGLOUCESTER, Massachusetts, September 22, 2016 (Maximpact.com News) – Years of campaigning and courtroom battles by U.S. conservationists to limit the underwater noise that turns the oceans into hell for whales and dolphins are beginning to pay off.\nOn September 13, the U.S. National Oceanic and Atmospheric Administration (NOAA) released its final Ocean Noise Strategy Roadmap, which will guide the agency in better managing the effects of ocean noise on marine life during the next decade.\nFor many marine animals sound is a primary means of communication, orientation and navigation, finding food, avoiding predators, and mate selection.\nWhile ocean noise can be caused by natural or human sources, it is humans who make the loudest sounds.\nExplosives, oceanographic experiments, geophysical research, underwater construction, ship traffic, intense active sonars, low frequency military sonars, and air guns used in seismic surveys for oil development are among the most disruptive underwater noises.\n“Sustainability and resiliency of marine resources are important to NOAA,” said Eileen Sobeck, assistant NOAA administrator for fisheries. “We knew we had to have a vision for understanding and addressing how growing levels of ocean noise are affecting marine animals and their habitats in complex ways, and the roadmap provides that,” Sobeck said.\nThe roadmap will serve as a guide across NOAA, reviewing the status of the science on ocean noise and informing next steps.\nNOAA is already taking on some of the roadmap’s recommendations, such as the recent launch of an underwater network of acoustic monitoring sensors.\nThe strategy suggests key roles for continuing partnerships and starting new ones with other federal agencies, industries, academic researchers and environmental advocates.\n“NOAA’s ocean noise strategy outlines several approaches that we can take with other federal and non-federal partners to reduce how noise affects the species and places we manage,” said W. Russell Callender, assistant NOAA administrator for its National Ocean Service. “It also showcases the importance that places like national marine sanctuaries have as sentinel sites in building our understanding of ocean noise impacts.”\nNOAA received more than 85,000 public comments on the draft roadmap, and says it improved the final version based on this input.\n“NOAA has the scientific and technical expertise to assess what’s happening with ocean noise, help identify gaps in knowledge, and use various tools to alleviate or mitigate its effects,” said Richard Merrick, NOAA Fisheries chief scientist.\n“Our approach looks for creative and wide-ranging solutions to ensure the agency is effectively understanding and addressing how ocean noise affects the resources placed in our trust in the coming decade,” Merrick said.\nThe roadmap comes a month after NOAA Fisheries released its final acoustic guidance to better predict how human sounds underwater affect marine mammal hearing. The technical guidance is one example of a targeted action the roadmap recommends.\nThis summer, conservationists have been winning in the courtrooms, too.\nOn July 15, a ruling in the Natural Resources Defense Council‘s latest sonar case came down from the Ninth Circuit Court of Appeals, which presides over the western United States. “It was a major victory not only for marine mammals, but for the law that protects them,” wrote Michael Jasny, director of the NRDC’s Marine Mammal Protection Project, Land and Wildlife program.\n“The case concerns the Navy’s SURTASS LFA sonar system, a technology whose powerful, low-frequency signals can impact some marine mammal species – disrupting their ability to feed, breed, and communicate – over hundreds of miles,” Jasny wrote.\nThe case arose in response to a move by the U.S. Navy in 2012. The Navy, which takes the position that the oceans are already too quiet, asked the federal government for permission, under the U.S. Marine Mammal Protection Act, to harm endangered whales and other species across more than 70 percent of the world’s oceans.\nThe Navy argues that it needs the low frequency sonar because with the “advancement and use of quieting technologies in undersea platforms, threats faced by the U.S. Navy are becoming increasingly difficult to locate using the passive acoustic technologies that were effective during the Cold War.”\n“The range at which U.S. anti-submarine (ASW) assets are able to identify submarine threats is decreasing and at the same time improvements in torpedo design are extending the effective weapons range of those same threats,” the Navy explains on its website devoted to SURTASS LFA“\n“SURTASS LFA sonar is providing a quantifiable improvement in the Navy’s undersea detection capability and improving the survivability of U.S. forces by extending the amount of time that naval forces have to react to potential threats,” the Navy states.\nNRDC, the U.S. Marine Mammal Commission, and other conservationists urged the government to take a precautionary approach, especially in the vast reaches of the ocean where little is known. Yet in the end, wrote Jasny, “the Service gave the Navy a virtual blank check, declining to protect habitat in most regions.“\nBut the judges of the Ninth Circuit disagreed. They ruled that “systematic under protection of the marine mammals” could not be squared with the law.\nThis is not the first time a federal court has ruled against the Service on LFA sonar. In 2003 in a case known as NRDC v. Evans, and again in 2008’s NRDC v. Gutierrez, the courts found that the agency’s mitigation measures fell far short of what the law requires.\nIn September 2015, the U.S. District Court for the District of Hawaii entered an order settling two cases that challenged the U.S. Navy’s training and testing activities off the coasts of Southern California and Hawaii. The order secured long-sought protections for whales, dolphins, and other marine mammals by limiting Navy activities in vital habitat.\nThe settlement stems from the court’s earlier finding that the Navy’s activities illegally harm more than 60 separate populations of whales, dolphins, seals, and sea lions.\nThe settlement manages the siting and timing of Navy activities, taking into account areas of vital importance to marine mammals, such as reproductive and feeding areas, migratory corridors, and areas in which small, resident populations are concentrated.\nFor the first time, the Navy agreed to put habitat for numerous marine mammal populations off-limits to mid-frequency sonar training and testing and the use of explosives.\n“If a whale or dolphin can’t hear, it can’t survive,” said David Henkin, an attorney for the public interest environmental law firm Earthjustice, who brought the initial challenge on behalf of Conservation Council for Hawaii, the Animal Welfare Institute, the Center for Biological Diversity, and the Ocean Mammal Institute.\n“We challenged the Navy’s plan because it would have unnecessarily harmed whales, dolphins, and endangered marine mammals, with the Navy itself estimating that more than 2,000 animals would be killed or permanently injured,” said Henkin. “By agreeing to this settlement, the Navy acknowledges that it doesn’t need to train in every square inch of the ocean and that it can take reasonable steps to reduce the deadly toll of its activities.“\nThe settlement will expire late in 2018 and will protect habitat for the most vulnerable marine mammal populations, including blue whales off the coast of Southern California, the world’s largest mammal, endangered after centuries of whaling, and small, resident whale and dolphin populations off Hawaii.\n“This settlement proves what we’ve been saying all along,” said Marsha Green, president of Ocean Mammal Institute. “The Navy can meet its training and testing needs and, at the same time, provide significant protections to whales and dolphins by limiting the use of sonar and explosives in vital habitat.“\nFeatured Image: Lieutenant Commander Joe Pica observes a curious humpback whale during recovery of an underwater acoustic current meter. Dominican Republic. February, 2006. (Photo courtesy NOAA) Public domain", "label": "No"}
{"text": "The Bantu expansion, or a postulated millennia-long series of migrations of speakers of the original proto-Bantu language group, originated from the adjoining regions of Cameroon and Nigeria about 3,000 years ago, eventually reaching South Africa around 300 CE.\nIn what area of Africa did the early Bantu originate quizlet?\nThey migrated towards South-Eastern and South-Central Africa. Where did they originate from? They Began in Central-Western Africa (Nigeria).\nIn what area of Africa did the early Bantu originate Western and Central Africa Eastern Africa northeastern Africa Southern and Central Africa?\nAnswer Expert Verified\nAccording to the Niger-Congo hypothesis, the Bantu Africans originated from the western and central Africa parts, and then went southward and eastward.\nWhat crop did the early Bantu greatly rely?\nSorghum was a big part of African history because various types were grown both for human and for animal consumption. It’s popularity dropped over time and although it’s still eaten nowadays, the amount of it is nowhere near to where it was during the Bantu migrations and developing African settlements in history.\nWhich best describes why the location of the Swahili coast made it a center of trade?\nWhich best describes why the location of the Swahili Coast made it a center of trade? It was accessible to people from different parts of the world. What was the relationship between the Shona people and the groups along the Swahili Coast? They traded with each other.\nHow did Bantu govern themselves?\nThe Bantu peoples also spread their stateless societies. Stateless societies lacked a centralized hierarchy of government officials and a bureaucracy and instead were led by family groups that balanced the ruling power among them and made decisions together for the good of the whole society.\nWhere did the Bantu language originate from?\nOrigin. The Bantu languages descend from a common Proto-Bantu language, which is believed to have been spoken in what is now Cameroon in Central Africa.\nWhere is Africa southeastern Bantu?\nThe Africa Southeastern Bantu region is enormous, extending more than 2,500 miles north to south. It stretches from modern-day Uganda, Kenya and Tanzania in the north; encompasses Zambia, Mozambique and Zimbabwe in its center; and finally opens into Botswana, South Africa, Namibia and Angola.\nWhat are the 7 countries in Central Africa?\nCentral Africa, defined by the UN Subregion, consists of the following countries: Cameroon, Central African Republic, Chad, Congo Republic – Brazzaville, Democratic Republic of Congo, Equatorial Guinea, Gabon, São Tomé & Principe.\nWhich is the most developed country in Eastern Africa?\nPartnership agreements providing preferential access to the European markets) is suffering from discussions linked to their reconduction. Although Kenya is the most industrially developed country in East Africa, manufacturing still accounts for less than 20% of GDP.\nWhere was the original Bantu homeland located?\nDuring a wave of expansion that began 4,000 to 5,000 years ago, Bantu-speaking populations – today some 310 million people – gradually left their original homeland of West-Central Africa and traveled to the eastern and southern regions of the continent.\nWhich best describes the Shona leadership?\nAnswer Expert Verified. One thing that best describes the Shona leadership is it is a council of elders.\nWhat most affected ancient West African trade?\nWhat most affected ancient West African trade? lack of transportation. natural landforms. limited resources for trade. too many merchants.\nWho introduced Kiswahili?\nThe language dates from the contacts of Arabian traders with the inhabitants of the east coast of Africa over many centuries. Under Arab influence, Swahili originated as a lingua franca used by several closely related Bantu-speaking tribal groups.\nWhat was the attraction of the Swahili coast to traders what was the most important trade item where did it come from?\nThe shallow coast was important as it provided seafood. Starting in the early 1st millennium CE, trade was crucial. Submerged river estuaries created natural harbors as well as the yearly monsoon winds helped trade.\nWhat is Swahili ancestry?\nToday’s Swahili, a mixture of African and Arab ancestry, trace their origins to this trading relationship. The Swahili use a Bantu-related language laced with Arabic words, and practice Islam, but enjoy music and food that is distinctly African.", "label": "No"}
{"text": "September 28, 2006\nAlthough transient, low-level increases in viral load, also known as \"blips,\" have been commonly observed in patients receiving antiretroviral therapy, studies have been inconsistent in their ascertainment of the significance of this phenomenon. Some studies seem to indicate it is merely a laboratory artifact that has no clinical significance; other studies have found blips to be associated with a long-term risk of virologic failure. In this study1 by T.J. Podsadecki, from Abbott Laboratories, et al, the relationship between adherence in the occurrence of blips was explored.\nStudy samples were obtained from two clinical trials comparing lopinavir/ritonavir (LPV/r, Kaletra) dosed once or twice daily. Medication adherence was assessed through the use of electronic MEMS (Medication Event Monitoring Systems) monitors, which record when bottles are opened for dosing. For this analysis, adherence was defined as correct if the patient took at least the prescribed number of lopinavir/ritonavir doses. A detectable viral load measurement was considered a blip if there was one plasma HIV-RNA value between 50 to 1,000 copies/mL immediately preceded and followed by an undetectable measurement at less than 50 copies/mL.\nTwo hundred twenty-three study patients had adherence data available, with 92 receiving twice-daily lopinavir/ritonavir and 131 receiving once-daily drug. Thirty percent of the once-daily group and 23% of the twice-daily group experienced transient viremia (a non-significant difference); the median magnitude of the viral load blip was 82 copies/mL.\nWhen medication adherence was reviewed in the time prior to the occurrence of a blip, it was found that the mean number of days a patient took the prescribed doses was lower in the week prior to the blip than during a matched period when a blip did not occur. It was also noted that correct adherence increased shortly following the detection of the blip. The occurrence of blips was not associated with virologic failure. In addition, development of resistance was not more common in patients with transient viremia versus those without.\nThe results of the study provide further data that the occurrence of transient viremia is more than simply a laboratory phenomenon. Given the improvement in adherence after the detection of a blip, it is likely that the detection of HIV RNA was a motivating factor for patients to improve their compliance, with the lack of resistance to the regimen allowing for a return to virologic suppression. This behavioral explanation for both the occurrence of blips and the absence of an association between blips and virologic failure is more plausible than some prior theories, most notably one postulating that a transient exposure to autologous virus augments the immune response, leading to resumed virologic control. It would be interesting to see a similar analysis of the relationship between adherence and blips applied to a non-nucleoside reverse transcriptase inhibitor (NNRTI)-containing regimen, where the threshold for developing resistance is significantly lower than with boosted protease inhibitors.\n|Please note: Knowledge about HIV changes rapidly. Note the date of this summary's publication, and before treating patients or employing any therapies described in these materials, verify all information independently. If you are a patient, please consult a doctor or other medical professional before acting on any of the information presented in this summary. For a complete listing of our most recent conference coverage, click here.|", "label": "No"}
{"text": "Johannes Gutenberg is usually cited as the inventor of the printing press. Indeed, the German goldsmith's 15th-century contribution to the technology was revolutionary — enabling the mass production of books and the rapid dissemination of knowledge throughout Europe.\nThe earliest printed paper in Europe was in 1454, printed on\nmovable type. We are not sure as to how and when Europeans learnt\nprinting. In 12th century designs were printed on textiles, but books\nwere written by hand. Therefore the spread of knowledge was slow\nand costly. Gradually people developed the art of printing in Mainz in\nGermany. Soon, there was a demand for printed books. Within years,\npresses were introduced all over Europe. Books were produced quickly\nand cheaply and in greater quantity. This was a revolution of the time.\nPrinting made the spread of literacy easier. This was welcomed by\nthe renaissance leaders as it greatly contributed to the movement.", "label": "No"}
{"text": "1. The Federal Government \"is acknowledged by all to be one of enumerated powers.\"\n2. The enumeration of powers is also a limitation of powers, because \"[t]he enumeration presupposes something not enumerated.\n3. If no enumerated power authorizes Congress to pass a certain law, that law may not be enacted, even if it would not violate any of the express prohibitions in the Bill of Rights or elsewhere in the Constitution.\n4. The Constitution authorizes Congress to \"regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes.\"\n5. We have recognized, for example, that \"[t]he power of Congress over interstate commerce is not confined to the regulation of commerce among the states,\" but extends to activities that \"have a substantial effect on interstate commerce.\"I'm baffled.\nOf course these quotes come from what Justice Roberts has written over several pages. Quotes 1-3 summarize the meaning of our Constitution of enumerated powers. Quote 4 is the enumerated power in our Constitution which is known as the commerce clause. Quote 5 is a good statement of what the Court has come, over the years, to actually think about the Constitution's commerce clause.\nI don't understand how quotes 1-4 can fit with quote number 5. The last quote says that Congress has been granted more power over commerce, specifically it has been granted power to regulate intrastate commerce, than the power we find granted to Congress when we read the words actually written in the Constitution.\nI do like the Justice's choice of words \"not confined.\" I think this is telling. I think it is inconsistent with quote 2 which says our Congress is a legislature of limited powers. It seems to me reasonable to suggest that \"not confined\" is pretty much the opposite in meaning to \"a limitation of powers.\"\nIt also seems to me reasonable to conclude that over the years the Court has come to change the meaning of the commerce clause. But, in doing that, the Court has done more. It seems the Court has turned a constitution for a government of limited powers into a constitution for a government that is \"not confined\" to expressly enumerated powers.\nAnd, if so, it seems reasonable to conclude that the Court, over the years, has essentially amended the Constitution. Of course, if you read the Constitution, you will not find that the Court has the constitutional power to amend the Constitution.\nPerhaps it is time to put away the Court's commerce clause jurisprudence and end the contortions the Court must go through in presenting it's opinions to convince us that a written constitution for a limited government can also be a constitution for a government that is unconfined?", "label": "No"}
{"text": "You may not think that a written composition may be academic, but in fact, all essays are written using the same considerations. In order to write one that will impress your audience and get you things, you have to know about exactly what your audience is looking for while reading your own work. If you are writing to a professor, you have to know that he or she’ll likely check your grammar, spelling, and references. If you’re writing for a writer, you need to show you’ve taken the opportunity to proofread and edit your work. If you’re writing for a pupil, you need to show that you know the points that they are trying to get across.\nWhen it comes to composing a research paper, you’ve got two choices. To begin with, you can argue from the perspective, i.e., your thesis statement. The second is where you’re doing a literature review, i.e., an objective assessment of the literature. Both styles are used in essays because they allow the essay author to exhibit his/her viewpoint as the fundamental point of this paper. But, there’s a difference between those two writing styles and they both produce comparable outcomes. Every style has its own intent.\nArgumentative essay writing is designed to support or oppose a claim. For instance, in a study paper, the writer will argue in the information and use illustrations to demonstrate how the claim is false or how the data supports the claim. The writer does this throughout the article, using a variety of examples to support every one of their disagreements.\nProofreading is a process which lots of folks do not like. It involves making certain that you have read each word in the written content so that you can make sure that you understood what the author intended. Many students don’t look at their introduction and conclusion and ask themselves whether or not they concur with the main point. If the introduction and conclusion do not answer the query, then the student should go back to the top of the draft and re-read the https://www.wepapers.com/write-my-college-essay/ essay.\nAll these transition words, also referred to as transition phrases, are all significant to a fantastic writer. They help guide the reader from 1 paragraph to another. A good writer makes sure to use transition words and phrases within his/her essays. If a student doesn’t do this, he/she could miss important details the writer is trying to get across. Additionally, it is going to make the essay less readable.\nWhen a student goes back and reads the article, they will see how important the introduction and the conclusion are. Furthermore, they will see how significant the body of this essay is in relation to the conclusion. A good writer doesn’t leave out any details. Because of this, the entire article will be more well written and flow easily. As a result, you can enjoy your written assignment.", "label": "No"}
{"text": "Joiner is a horizontal expansion of two data sources based on some condition. While Union is a vertical expansion of two sources without any condition. Lookup behaves like a detail outer join but we can't say it as a subset of joiner because in Joiner you can use only equal operator in join condition but in lookup you can use other relational opearator like > , >=, <, <=.\nUnion doesn't use cache but joiner and lookup may use cache. Union needs compatibilty structure to peform its opeartion but joiner and lookup doesn't need compatiblity.", "label": "No"}
{"text": "Inflow & Infiltration Reduction\nWhat is Inflow/Infiltration?\nThe City of Naperville maintains two separate and distinct systems of pipes to move wastewater throughout the City. Rainwater and groundwater are typically routed to area rivers and streams through a network of storm drains and pipes called a stormwater system. Sanitary wastewater from bathrooms, sinks, kitchens and other plumbing is moved through a separate network of pipes and pumps (called a sanitary system) to the Springbrook Water Reclamation Center (SWRC), where it is treated and disinfected before being discharged to the DuPage River.\nEach of these systems are designed to accommodate certain levels of flow to maintain optimal operation. Inflow and Infiltration (I&I) occurs when rainwater or groundwater enter the wrong system – the sanitary wastewater system – and overburden it.\nInfiltration occurs when groundwater enters the sanitary system through defects in pipes and manholes. Cracks in pipes, leaking joints and unsealed manholes can all allow groundwater to infiltrate into the sanitary sewer system. Water entering the sanitary sewer system through inappropriate connections is referred to as Inflow. Examples of Inflow are sump pumps, roof drains, yard drains that are connected to sanitary pipes instead of the stormwater system.\nWhy is it a problem?\nEvery wastewater system experiences problems with I&I, particularly as pipes and manholes age. In sanitary sewer systems where I&I is particularly bad, rainwater and groundwater that has entered the system can easily overwhelm the ability of pipes and pumps to move water downstream. This can cause wastewater to back-up and, in some instances, flow back into residences. Excess wastewater in the system also causes pumps and wastewater treatment equipment at the SWRC to run for extended periods of time, which reduces the efficiency of the equipment and shortens their life spans. When wastewater equipment needs to be replaced more frequently, it can negatively affect residents’ wastewater rates.\nInflow and infiltration are most pronounced during periods of wet weather. The graphs below show two separate week-long snapshots of wastewater flow at the same location in the system during one wet week and one dry week. During the week of wet conditions, as rainfall increased, wastewater flow also increased as a result of rainwater entering the sanitary system. Conversely, during the week with dry conditions, wastewater flow remained constant.\nIdentifying I&I Issues\nAs wastewater systems throughout the country continue to age and infrastructure approaches its useful life expectancy, wastewater utilities are exploring different methods of identifying and reducing locations with I&I.\nIdentification techniques include visual inspection or one done with a Closed Circuit Television (CCTV) truck. A CCTV truck is equipped with camera equipment attached to a robotic crawler, which is driven through sewer pipes to inspect for any issues. The crawler relays video to the CCTV truck, where it is recorded, and an operator documents any defects with sewer inspection software. This is an invaluable tool for identifying sources of infiltration that otherwise would not be found.\nAnother common identification technique is smoke testing. This involves placing non-toxic smoke inside wastewater pipes and seeing where it becomes visible above ground. Visible smoke above ground reveals the location of inappropriate connections to the wastewater pipes (like if the smoke starts coming out of a yard drain) or defects in the system itself. For this reason, smoke testing is good at identifying not only inflow, but infiltration as well.\nThe use of flow meters, devices that measure the volume of water passing a given point, can also be useful to identify general areas where I&I is occurring. In a perfect system, there should be no noticeable difference in the volume of water in the sanitary system when weather conditions are dry versus wet. Flow meters that register large differences between the volume of dry weather wastewater flow and wet weather flow are a good sign that I&I is occurring upstream of the flow meter’s location.\nReduction of I&I can take many forms. Inflow resulting from inappropriate connections to the sanitary system can often be resolved by working with property owners to ensure that groundwater and rainwater are directed to the stormwater system instead of the sanitary system. Infiltration resulting from defects in sanitary sewer system pipes or manholes requires a different set of techniques for reduction. The two primary methods for reducing infiltration and rehabilitating the infrastructure are the grouting and/or lining of pipes and manholes.\nOne of the most effective methods for reducing infiltration is through the application of non-toxic chemical grout. The chemicals come in gel form and flow similar to water while being applied. The gel then hardens or \"cures\" into a consistency similar to rubber.\nGrout is applied to sewer pipes by a piece of remote-controlled equipment called a \"packer.\" A mainline packer is lowered into a manhole, placed in a sewer pipe and pulled into place. Grout is then pumped through hoses down to the packer. The grout is forced into a crack or joint and travels through to the exterior of the pipe. Once the grout comes in contact with the soil surrounding the pipe, it cures and forms a watertight collar sealing that point from any further groundwater infiltration.\nAnother effective method in addressing infiltration is through lining sewer pipe. CIPP or \"Cured-In-Place-Pipe\" allows existing sewer pipe to be rehabilitated without any digging.\nThe process involves inserting a flexible felt liner into an existing or \"host\" sewer pipe, where the liner is cured and forms a new, structurally-improved pipe within the existing pipe.\nPrior to installation, the felt liner must be prepared by being injected with resin, which is what allows the liner to form to the host sewer pipe. Liners are usually installed one sewer pipe at a time, or from an upstream manhole to the next downstream manhole. The liner starts off inverted (like a pair of rolled socks) and is fed into the sewer pipe through a manhole. It is then pushed with air pressure or water through the pipe to the next manhole. While being pushed through, the liner is un-inverted. Once the liner has reached the next manhole, the curing process can start.\nThe resin in the liner is heated using hot water, steam, ambient temperature or UV light, accelerating the chemical process that hardens the resin. The resin must reach a certain temperature for an extended length of time to fully cure. If not fully cured, the liner can sag, creating a defective liner.\nOnce the liner has fully cured, a new \"pipe within a pipe\" is formed. A key factor in making CIPP so effective is that the new pipe is tight-fitting and jointless, which seals off any points of entry for infiltration. CIPP-lined pipe also has a life span of 50-100 years, reduces costs needed to maintain the pipe and improves the ability of wastewater to flow through the pipe.\nWhat is Naperville doing to combat I&I?\nSince the early 1990's, Naperville has committed significant resources (more than $3 million annually) towards the goal of reducing I&I using the techniques mentioned above. City staff take a holistic approach when planning and completing rehab projects, taking care to match the proper technique with the existing field conditions and desired outcome. Planning for rehabilitation begins with flow monitoring from I&I studies, which help to form a general 10-year guide for rehabilitation.\nGenerally mainline pipes are the first to be rehabilitated, followed by manholes, and finally individual service lines. The number of assets scheduled to be rehabbed per year are prioritized and can vary based on a number of factors including asset condition and budget. Assets in the same geographic area are all rehabbed before moving on to other areas. All assets in a geographic area can be completed in as little as two years or up to several years-time. Assets that are candidates for grouting typically receive grout prior to any lining in the area.\nLining Qualified Sanitary Sewer Pipe\n\"Cured-In-Place-Pipe\" (CIPP) lining is primarily performed on sanitary sewer pipe constructed of clay or truss. These materials are fragile and qualify for rehabilitation because they are susceptible to leaking joints and invading roots. Other pipe materials are only lined in circumstances where it is more cost efficient to line the pipe rather than perform a different type of rehab.\nClay pipe was an industry standard in the post-WWII building boom. Just under 1.25 million linear feet of qualifying pipe was installed in Naperville between 1960-1990. In the late 1980's, the use of polyvinyl chloride (PVC) pipe and improved construction practices reduced the need for rehabilitation for relatively new development.\nThe graph below shows the total lineal footage of pipe qualified to be rehabbed (in black) compared with the total lineal footage that has been rehabilitated to date (in blue). Due to the low likelihood of any additional clay or truss pipe being installed, the qualified install length will most likely remain stagnant. Each year that rehab work is completed, the rehab length (blue line) will increase, reducing the amount of sewer pipe left to be rehabbed.\nManholes are typically constructed of multiple pre-cast concrete segments with their joints sealed. Older manholes were often constructed of brick and mortar. After construction, manholes are vacuum tested to ensure they are sealed properly, but over time the materials degrade and leaks occur. As with pipes, manholes can be grouted or lined. The process of grouting manholes differs from sewer pipe in that a packer is not used. Instead, a worker can apply grout with hand-held equipment connected to the grout truck. Grout is very beneficial when applied to manholes as it fills voids and stabilizes soil around the exterior of the structure.\nRehabbing Sewer Laterals\nNaperville also addresses I&I through the rehabilitation of sanitary sewer laterals. Laterals are smaller diameter pipes that extend from the sewer main to a building. Even though these pipes are privately owned, maintenance tasks are divided between property owner and the city depending on the nature of the work. Laterals can be grouted and lined just like manholes and sewer mains. Naperville typically performs rehabilitation work on laterals from the sewer main to a sanitary cleanout. This cleanout is installed and used as an access point at ground level (pictured left) during the rehab process on the lateral.\nNaperville's proactive approach to combating I&I has yielded positive results. Since 1998, the population of Naperville has increased by roughly 30,000 people, or about 20%. During that same period, however, the average amount of water treated at the Springbrook Water Reclamation Center has decreased by roughly 18%. Reducing the amount of I&I also allows Naperville to remain in compliance with Illinois Environmental Protection Agency (IEPA) regulations limiting sanitary sewer overflows and water quality discharged to area waterways.", "label": "No"}
{"text": "Environmental Issues > Air Main Page > All Air Documents\nClean Cargo Center\nCommunity Resources for Reducing Diesel Air Pollution from the Freight Industry\nA trail of exhaust stretches from manufacturers abroad, through our ports, along our rail yards and drifts up from freeways as goods are moved from one place to another. Freight transportation hubs may help deliver the products that fill our stores and homes, but for those who live near them -- disproportionately low-income communities of color -- finding ways to clean up cargo is truly as important as the air we breathe. In fact, more than 13 million Americans (3.5 million of whom are children) live near major marine ports or rail yards, and proximity to that polluted air leads to health issues from aggravated asthma, to lung cancer, and even premature death.\nFortunately, the National Environmental Policy Act (NEPA) offers communities public oversight over federal or federally-funded projects that will affect the environment -- including construction projects, permit approvals, and funding decisions involving ports, rail yards, and highways. NEPA gives the public a voice and brings the people's business out of the shadows and into the light of public scrutiny.\nDozens of measures can be incorporated in new freight projects or applied to existing railyards, port terminals and distribution centers to improve air quality and reduce carbon emissions. Cleaner and more efficient new engines can cut soot and smog-forming emissions and save fuel. In many cases, activities using diesel engines can be electrified. The use of more efficient modes, such as shipping goods by train where possible (using locomotives meeting the cleanest standards) instead of by truck, can make a big difference. Finally, any fossil fuel burning engine that remains in use can have modern exhaust controls added to filter out most pollution.", "label": "No"}
{"text": "Pain In the Balls of Your Feet\nWhen your dogs are barking, you just want to kick off your shoes and kick back and relax. Sometimes, though, pain in the balls of your feet remains even after that well-deserved rest, reminding you it’s there as soon as you stand up! Ball of foot pain can occur for different reasons – from bruising to reduced fat pads, and more. The three most common culprits, however, are conditions known as metatarsalgia, Morton’s neuroma, and sesamoiditis.\nMaybe it’s Metatarsalgia\nThis condition results from extreme stress placed on the balls of your feet causing inflammation around the metatarsal bones which connect your toes to your foot. It can occur for a number of reasons, including ill-fitting or worn out shoes, excessive weight, high arched-feet, toe deformities like bunions and hammertoes, and a sudden increase in the intensity of an athletic workout. Pain may be sharp, aching, or burning, and it can worsen gradually or come on fast.\nMore like Morton’s Neuroma?\nIn this case, a thickening of the tissues surrounding the nerves between your toes leads to numbness, pain and other odd sensations, such as the feeling of walking on a pebble stuck in your shoe. Typically, these symptoms occur between the third and fourth toes, but not always. The main contributor to this ball of foot pain happens to be high heels. These types of shoes not only squash toes together, but also put your feet in an abnormal position which places excessive pressure on the balls of your feet.\nSeems to be Sesamoiditis\nOften seen in runners and dancers, this is actually a form of tendinitis. There are two tiny bones called sesamoids that are located near your big toe and are connected by tendons. If these tendons become injured, irritated, or inflamed, the result is pain in the balls of your feet. An overuse injury, it occurs due to repetitive stress placed upon the area.\nTreatment to take a bite out of pain\nNo matter what’s behind your ball of foot pain, treatment is typically the same. First and foremost, rest is needed to give your foot time to heal. Take time off from high-impact activities and choose an option like swimming instead. Take breaks from standing for long periods of time, and avoid doing so on hard surfaces. Ice and medication can help to reduce swelling and other painful symptoms. A switch in footwear is also recommended — stay away from high heels and make sure shoes offer plenty of cushion and are not worn out. Special pads and orthotic shoe inserts can also help to provide additional cushion as well as redistribute pressure away from the area. Finally, be sure to maintain a healthy weight to ensure you do not add any additional stress to the already burdened balls of your feet.\nIf pain in the balls of your feet is keeping you from doing daily activities or things you enjoy, make an appointment with our Clifton Park or Troy, NY office so we can determine the reason behind those barking dogs and get you back to feeling great. Just call (518) 273-0053 or use our convenient online contact form.", "label": "No"}
{"text": "CRACK Uses Unethical Tactics to Stop Women with Substance Abuse Problems\nBased in California and founded by Barbara Harris, CRACKs goal is to permanently or temporarily sterilize women with substance abuse problems. The name CRACK was chosen to stand for Children Requiring a Caring Kommunity. Having failed to pass legislation in California which would have made long-term birth control mandatory for mothers with an addiction, Ms. Harris is now luring women to use these methods with monetary incentives of $200. As of September 1, 1999, 65 women received cash from Harris organization in exchange for their fertility. Of these, 46 women were permanently sterilized by tubal ligation. CRACKs website, www.crack sterilization.com, updates these rising numbers. CRACKs goal is to expand its program. It has opened a chapter in Chicago and is targeting Minnesota, Florida, Seattle and New England.\nREASONS TO OPPOSE THE MISSION OF CRACK\n1. CRACKS MISSION IS ESSENTIALLY EUGENIC.\nReminiscent of eugenic sentiments of birth control advocate, Margaret Sanger, who sought to assist the race toward elimination of the unfit, CRACK seeks to diminish the number of undesirables from the overall population.1 Eugenics is based on prejudiced beliefs that people inherently belong to a superior or inferior race and class. It is also fueled by a fear that the inferiors will breed excessively, thereby threatening the proportion of superiors. Repressive repatriation laws, restrictive immigration quotas and coerced sterilizations formed a manifest part of the eugenics program practiced in the US. twenty-seven states enacted sterilization laws during the 1930s, in order to outbreed undesirables. This denied a selection of people their fundamental right to procreate. It is estimated that some 60,000 Native Americans, African- Americans, the mentally and physically disabled, and the poor were sterilized as a result of these laws.2 International population control efforts led by the United States reveal similar accounts of sterilization abuse. By the 1970s, one third of all women of childbearing age in Puerto Rico were sterilized through US government- sponsored programs.3\nNow, at the end of this century, we have private, monetary incentive programs offering young, educated, and privileged women 2,500 to 50,000 dollars to donate their eggs towards creating a child, while a program such as CRACK offers poor women with substance abuse problems $200 not to have a child.4 Incentives, such as those offered by CRACK, by their very nature have more to do with coercion than choice. Poor women with substance abuse problems are not likely to be able to make an informed decision with regard to their reproductive capacity, if offered cash as an incentive. CRACK takes advantage of this vulnerability, by advertising, Dont Let a Pregnancy Ruin Your Drug Habit, and If You Use Drugs, Get Birth Control, Get $200 Cash. CRACKs disregard for the women it targets is evidenced in Barbara Harris statement: We dont allow dogs to breed. We spay them. We neuter them. We try to keep them from having unwanted puppies, and yet these women are literally having litters of children.5 CRACK denies poor, marginalized women with substance abuse problems their procreative ability, and this is a human rights violation.\n2. CRACK LIMITS BIRTH CONTROL OPTIONS.\nCRACK irresponsibly limits birth control options by compensating woman only for long-term, provider-controlled methods: tubal ligation, Norplant, Depo-Provera and IUDs. Barrier methods and methods which protect against HIV infection and other sexually transmitted diseases are not offered.\n3. CRACK INCREASES THE HEALTH RISKS OF WOMEN WITH SUBSTANCE ABUSE PROBLEMS.\nThe drug-addicted women that CRACK targets are likely to already suffer from poor health conditions, and inadequate access to health care. However, CRACKs high-tech, birth control options require health care screening for contraindications and monitoring for side effects. CRACK may actually increase a womans risk of contracting HIV or other STDs, since it exclusively advances birth control methods which provide no protection against these infections. By promoting Norplant and Depo-Provera, CRACK encourages women on drugs to put even more chemicals, which are associated with strong side effects, into their bodies. A womans health, which is already compromised by drugs and poverty, is put at further risk by these chemical contraceptives.\n4. CRACK IMPEDES THE GOALS OF SUBSTANCE ABUSE TREATMENT.\nCRACKs quick- fix approach effectively gives up on treatment as a solution to addiction. So long as women with addiction problems stop having children, nothing else seems to matter. It does not recognize addiction as a medical problem which responds to appropriate treatment. In a response to CWPEs letter of protest sent to Barbara Harris, Lin Alvarez, an advocate for CRACK, wrote, We are deeply concerned about the inhumane acts certain women willingly perform on newborn babies, (emphasis added) and portrays this as child abuse, criminalizing women with addiction. CRACKs advertisement, Dont Let a Pregnancy Ruin Your Drug Habit, goes so far as to maliciously encourage addiction.\n5. CRACK CAPITALIZES ON THE NOTION OF CRACK BABIES AS WASTED LIVES.\nRecognizing that using drugs while pregnant can harm an infant is very different from CRACKs message that women on drugs should not have babies. The notion of crack babies as wasted human lives came about in the late 1980s when news reporters exaggerated the effect of crack cocaine on infants and preschoolers. They emphasized the most alarming predictions of doctors and researchers that infants of women who used crack cocaine would experience learning disabilities, attention and behavior disorders, and would have to be written off as a lost generation or a biological underclass. Today, there is practically scientific consensus that crack cocaine does no more damage to infants than heavy cigarette smoking and does less damage than heavy alcohol use. CRACK perpetuates the crack babies myth, further stigmatizing the children labeled as such and contributing to misinformation among the public.\n6. OPPRESSION NEEDS TO BE ELIMINATED, NOT THE REPRODUCTIVE CAPACITY OF WOMEN.\nWomen with substance abuse problems need drug treatment, decent jobs, educational opportunities, mental health services, and childcare services. It is the lack of these services and the denial of human dignity, which exacerbate conditions of poverty, racism, social status and gender discrimination. These conditions can lead to women seeking out substances to medicate pain. Therefore, it is oppression that needs to be eliminated, not the reproductive capacity of women.\nThis fact sheet was prepared by: Committee on Women, Population and the Environment Population and Development, CLPP Hampshire College Amherst, MA 01002-5001, e-mail: firstname.lastname@example.org, phone: (413) 559-5506; fax: (413) 559-6045\n1 Sanger, Margaret, The Birth Control Review, Vol. 3, No. 2, p. 11.\n2 Forced Sterilizations: Vermont Laws Spark Controversy, Boston Globe, August 15, 1999.\n3 Sterilization abuses in Puerto Rico are documented in the film, La Operacion.\n4 An advertisement in the Columbia Daily Spectator offered 50,000 dollars to a woman with a height of at least five feet seven inches and SAT scores of at least 1300. (quoted in: Eggs for Sale, by Rebecca Mead, The New Yorker, August 9, 1999)\n5 quoted in Mothers Paid to Stop Having Children, Marie Claire, December, 1998.\n6 Norplant: Effective 24 hours after insertion and lasts for 5 years. Norplant has been associated with prolonged or irregular menstrual bleeding, severe headaches, weight change, migration of the implant in muscle, excess scarring around the area of insertion, difficulties with insertion and removal (including infection) and even nerve damage. Depo-Provera: Each injection prevents pregnancy for 3-6 months and cannot be reversed. Side effects include hair loss, delayed return to fertility, nausea, osteoporosis, depression, and increased risk of cervical and breast cancer. This method also does not protect against HIV infection or STDs and may make women more susceptible. Intrauterine Device (IUD): This method may increase a womans risk of getting pelvic inflammatory disease. Tubal Ligation: Not only does it prevent a woman from having children while she is using drugs, but it would forever preclude her from having children in the future. Vasectomy: CRACKs solution for the male, this method does not prevent against HIV infection or STDs. To date, no man has received the cash incentive from CRACK.", "label": "No"}
{"text": "Endocrine glands: Endocrine organs, called glands, secrete hormones into the bloodstream. Hormones affect the activity of target sites that are often located far from the site of release. Exocrine organs direct the function of their target sites by releasing their active.\nHuman endocrine system: The major endocrine organs include the hypothalamus and the hypophysis, or pituitary gland. Other endocrine glands within the body include: thyroid, parathyroids, adrenals, pancreas, ovaries, and testes.\nThe Menstrual Cycle and Pregnancy\nFrom puberty to menopause, hormonal interplay between the hypothalamus, pituitary, and ovaries results in the monthly menstrual cycle, which has four distinct phases: follicular phase and the luteal phase.\nFertilization on or around day 14 of the menstrual cycle is followed by implantation of the\nzygote and development of the placenta.\nMechanisms of hormone action\nHormones may be grouped into three major categories, depending on their chemical\n- Peptide hormones include simple peptides like ADH,\n- Steroid hormones include fat derived compounds like estrogen and\n- Amino acid-derived hormones include epinephrine and T4.", "label": "No"}
{"text": "home > infectious disease center > infectious disease a-z list > german measles index German Measles German MeaslesRelated Tools & References « Back to German Measles Index Sorted Alphabetically A-Z Sort by popularity Chronic Cough Doctor: Checklist to Take To Your Doctor's Appointment Doctor: Getting the Most from Your Doctor's Appointment Fever Hearing Loss How to Choose a Doctor Joint Pain Rash Swollen Lymph Nodes (Lymphadenopathy) Sorted by Popularity (as on MedicineNet) Sort alphabetically Joint Pain Swollen Lymph Nodes (Lymphadenopathy) Rash Fever How to Choose a Doctor Chronic Cough Hearing Loss Doctor: Checklist to Take To Your Doctor's Appointment Doctor: Getting the Most from Your Doctor's Appointment Suggested Reading on German Measles (Rubella) by Our Doctors Related Diseases & Conditions 15 articles Swollen Lymph Nodes Lymph nodes help the Rash The word \"rash\" means an outbreak of red bumps on the body. The way people use this term, \"a rash\" can refer to many different skin conditions. The most Pregnancy (Week By Week, Trimesters) There are many symptoms involved in the 1st, 2nd and 3rd trimesters of pregnancy. The first early pregnancy symptom is typically a missed period, but others Thrombocytopenia (Low Platelet Count) Thrombocytopenia (low platelet count) refers to a decreased number of platelets in the blood. Symptoms of thrombocytopenia include: Increased Fever Although a fever technically is any body temperature above the normal of 98.6 F (37 C), in practice, a person is usually not considered to have a significant Cough (Chronic Cough) Chronic cough is a cough that does not go away and is generally a symptom of another disorder such as Miscarriage Miscarriage is the medical Mumps Mumps is an acute viral illness caused by the mumps Cataracts A cataract is an eye disease that causes the eye's lens to become cloudy and opaque with decreased vision. Causes of cataracts include diabetes, hypothyroidism, Measles Measles (rubeola) is a highly contagious disease that's caused by a virus. Symptoms include a rash, high fever, cough, runny nose, and red eyes. Treatment Microcephaly Microcephaly is a genetic condition where the circumference of the head is smaller than normal due to underdeveloped brain. Microcephaly is caused by genetic Pregnancy Planning Pregnancy planning is an important step in preparation for starting or expanding a family. Planning for a pregnancy includes taking prenatal vitamins, Are Skin Rashes Contagious? Direct and indirect contact can spread some types of rashes from person to person. Rash treatment depends upon a rash's underlying cause. A rash that sheds Birth Defects Birth defects have many causes and currently, are the leading cause of death for infants in the first year of life. Some of the causes of birth defects Children's Health Children's health is focused on the well-being of children from conception through adolescence. There are many aspects of children's health, including Medications 4 articles Procedures & Tests 4 articles Pictures, Images & Quizzes 3 articles Doctor's & Expert's Views 2 articles Health News 14 articles Health Features 2 articles STAY INFORMED Get the latest health and medical information delivered direct to your inbox! From WebMD Infectious Disease Resources Common Signs of Hep C Is It a Cold, Strep, or Tonsillitis? Tips to Prevent Cold Sores Featured Centers Feeling Short of Breath? What to Eat When You Have Cancer Top 3 Anaphylaxis Triggers Health Solutions From Our Sponsors Frequent Constipation? Greater Food Accessibility Exclusives What Does Psoriasis Look Like? How to Prevent Muscle Cramps Blood Clot? Know the Signs and Symptoms Allergy Triggers: Do You Know Yours?", "label": "No"}
{"text": "Why are plants often sterile when their parents are from different species? How do species remain separate entities in nature?\nAndrea L. Case, Ph.D., associate professor in the Department of Biological Sciences in the College of Arts and Sciences at Kent State University, co-authored an article that may provide some answers to these basic questions in the Proceedings of the Royal Society B, which was recently published online.\nIn their article, \"Selfish evolution of cytonuclear hybrid incompatibility in Mimulus\", Case and her co-authors from the University of Montana (Findley R. Finseth, Camille M. Barr, and Lila Fishman) describe their use of genomic data to document natural selection on genes responsible for hybrid male sterility in Mimulus, commonly known as monkeyflowers. To read the full article, visit: http://rspb.\nOne of the ways that biologists can identify distinct species of animals and plants is to show that they cannot make viable or fertile offspring after they mate.\n\"Many closely related species, those that were recently members of a single species, have lost the ability to make viable or fertile offspring with each other,\" Case said. \"The process of how that happens is still under investigation, and it's particularly important to figure out the genetic mechanisms for the evolution of reproductive incompatibilities between species.\"\nThe article also addresses the consequences of genetic conflict, which arises when one genetic element reduces the fitness of others in the same genome. Male sterility genes in plants have been predicted to cause genetic conflict between maternally inherited mitochondrial genes that aren't transmitted by males, and nuclear genes that are inherited from both males and females.\n\"Our results are consistent with the 'selfish' spread of a maternal mitochondrial male-sterility gene in a single population, followed by strong selection for nuclear suppressors that restore male fertility,\" Case said. \"This is an example intragenomic conflict driving the evolution of selfish genes and suppressors within species, and it may often underlie sterility in hybrids between flowering plant species.\"\nThe specific genes that are in conflict in their study are those that plant breeders use to create new varieties of crops. According to Case, there is little data out there from non-crop plants like Mimulus that show how evolutionary forces like natural selection have acted on these genes in the past.\nIn the paper, the researchers explain how genes that cause male sterility in hybrids between two closely related plant species have evolved. They show that it was not by chance -- natural selection was involved-- and they show that natural selection was strong and direct, acting on the incompatible genes themselves. They show that the outcome of natural selection was the resolution of genetic conflict between a selfish male-sterility gene and its co-evolved suppressor.\n\"The genes we have identified as being involved in male sterility are ones that are ubiquitous in flowering plants, so the genetic mechanism we are studying might also be ubiquitous,\" Case said. \"It may be a very common mechanism that helps maintains species as separate entities in nature.\"\nCase spent the spring of 2015 conducting this research and analysis, on sabbatical, at the University of Montana followed by further analysis in 2016. While the data in this paper shows what has happened in a single population, future research will address if this population is unique or typical. They also want to know if any other elements in the genome are involved in the resolution of genetic conflict, and the potential consequences of conflict for other parts of the genome.\nPhoto captions:1. Yellow monkeyflowers (Mimulus guttatus) at the base of Cone Peak in the Oregon Cascades, USA. Photo credit: Arpiar Saunders, used with permission.\n2. Flowers of hybrid monkeyflowers (Mimulus guttatus x M. nasutus), dissected to show the morphology of the male sex organs (extending from the top of each flower). The flower on the left is from a male-fertile hybrid, right from a male-sterile hybrid. Photo credit: Andrea Case.\n3. Deformed male sex organ from the flower of a male-sterile hybrid between Mimulus guttatus and M. nasutus, stained blue and viewed through a microscope. Photo credit: Camille Barr.\nJim Maxwell, 330-672-8028, firstname.lastname@example.org", "label": "No"}
{"text": "September is Tourism Month in this year we will again be making a number of posts linking our research to the challenges and opportunities in this sector:\nScuba divers of all experience levels need to be educated to reduce ecological impacts on reefs by Serena Lucrezi, TREES.\nScuba diving is a growing form of tourism reflecting positively on the economy of coastal communities. However, negative impacts associated with scuba diving need to be prevented to safeguard the critical ecosystem services provided by reefs. Studies have explored the behaviour of scuba divers by psychological and skill-related factors to formulate plans for the management of reefs and diving tourism.\nIn Sodwana Bay, South Africa, scuba divers (n = 410) were interviewed on their diving motivations, excitement for marine life, experience, and perceptions of impacts, reef condition, and norms. The majority of interviewed divers preferred undisturbed and diverse areas, and those people who had already experienced diving in degraded seascapes supported the implementation of diving restrictions. Some divers lacked basic knowledge on marine ecology and diving impacts. Only direct physical contact with reef organisms such as corals was seen as damaging, while impacts such as associated with special gear, boats, and crowding were not considered severe. Although motivations to dive varied substantially according to diving experience, such experience did not boost environmental awareness among scuba divers.\nThese findings highlight the importance of a stronger educational component across all diving specialisation levels. This could take place in the form of revising diving curricula to prioritize conservation education and awareness. This is particularly relevant for diving instructors in their position as knowledge multipliers. The researchers also recommend that education persist beyond certification through the application of pre-dive briefings and adherence to best practices. Embracing codes of conduct and green initiatives such as the Green Fins initiative in Southeast Asia facilitates environmentally sound diving tourism. Increasing divers’ environmental awareness and minimizing human impacts are not easy tasks for managers. Designing and implementing the recommended actions at different dive sites around the world can help finance conservation of marine species, support local economies, and provide rich wildlife encounters for divers.\nLucrezi, S., Saayman, M., van der Merwe, P. 2013. Managing diving impacts on reef ecosystems: Analysis of putative influences of motivations, marine life preferences and experience on divers’ environmental perceptions. Ocean and Coastal Management 76: 52-63.\nLucrezi, S., Saayman, M., van der Merwe, P. 2013. Perceived diving impacts and management implications at a popular South African reef. Coastal Management doi:10.1080/08920753.2013.822278", "label": "No"}
{"text": "Nowadays, people have become fonder of exercising and working out not solely for the sake of attaining a toner body but more so, for achieving a healthy lifestyle. People of all ages are now doing regular exercises. The most common exercise is cardio.\nWhat Are Cardio Exercises?\nFrom its root word, cardio, these are exercises that work out the cardiovascular muscles the most to increase heart rate and as a result, burn fats and turn it to carbon dioxide or sweat. If your “exercise” doesn’t make you pant, it just means it won’t have any effect on you if you’re trying to lose weight. For your exercise to produce the best weight loss result, you must execute your cardio workout continuously for at least ten minutes, and then slow down (not stop) for a minute, and then back to a faster pace in the next ten minutes.\nCardio exercises should be done for a minimum of fifteen minutes and a maximum of thirty minutes. People often have mistaken cardio workouts to burn more calories if they go on for more extended periods, but the body only burns fats in thirty minutes max. It automatically stops after that period, so any exercises that are done after thirty minutes does not affect the body.\nExamples of Cardio Exercises\nCardio exercises are the easiest workouts that can be done by anyone anywhere, with or without equipment. Here are some examples:\n- Bike riding/cycling\n- Stair Climber\n- HIIT(High-Intensity Interval Training)\n- Circuit Training\nIn the list above, cycling for cardio will be our focus as our exercise in trying to lose weight.\nCycling for cardio is one of the best exercises for those who aim to burn fat and lose weight fast. Mainly, the equipment needed in cycling for cardio is a bicycle. People might think that cycling can be done by just about anyone since most people have experienced riding a bike for extended hours during their childhood, but cycling for cardio requires proper discipline and endurance. Build your stamina, if you want to produce the best results from your workouts. Also, the activities you think that might still be easy for you to do since you regularly did it during your childhood (example, biking, and jump rope) are more challenging to practice now that you’re an adult with less stamina.\nWhy Should You Consider Cycling For Cardio?\nCycling may be out of context for people trying to lose weight since the most common cardio exercise is running (whether on treadmills or outdoors). However, one benefit of cycling is it builds up your cardiovascular endurance (you can go more extended hours and distances of running or biking without panting and getting tired easily) and strengthens your legs as well. If you are recovering from an injury, cycling for cardio is also a good option since this is a low-intensity workout.\nCycling For Cardio Can Be Done In Two Ways And In Two Locations:\nNowadays, cycling for cardio can be done indoors with the use of stationary bikes. This is suitable for people who prefer to exercise in the comfort of their homes, or those who live in metro areas where outdoor space for pedestrians isn't available, or those whose work schedules don’t work with gym operating hours. A stationary bike normally costs $180 to $280, depending on the brand.\nOutdoor cycling for cardio is best for those who seek more thrill and adventure in strolling through different roads. If you want to build more endurance and resistance in your body, outdoor cycling for cardio is the best practice. Commonly, outdoor cycling is included in the agenda of triathlons. With outdoor cycling, you can learn to increase and decrease speed and resistance depending on the road they are trailing. Uphill and downhill roads will best stretch the biker’s muscles and best cardio practice.\nBest cycling routines according to location\nUnlike running on treadmills, cycling isn’t an exercise that you can push yourself easily. Cycling alone can be dragging and boring, so the best way to push oneself in doing this cardio exercise is imagining on what terrain you’re on so you can gauge your pace and resistance. Some keywords that you need to master are:\n- Easy – imagine pacing in your neighborhood on a flat road\n- Moderate – This one needs a slight pull, so you need to increase the resistance of your bike a bit. On a scale of 1 to 100, set it on 30, like you’re climbing a small hill in town.\n- Hard – Set resistance on 50 to 70, as if you’re driving through a winding uphill road.\n- All-out – set resistance to 100, as if trailing a mountain.\nA quick cardio workout you can do only for 30 minutes.\n- Five minutes warm up (easy), thirty seconds hard, and thirty seconds moderate. Repeat four times.\n- One minute easy, one minute hard, thirty seconds moderate. Repeat four times.\n- One minute easy, 45 seconds all-out, fifteen seconds easy, 2 minutes easy. Repeat thrice.\nOutdoor cycling for cardio sets the person on a real resistance, pace and endurance since they face the reality of the road ahead of them unlike in indoor cycling. During outdoor cycling, one will learn proper pedaling, gearing and braking. According to experts, the proper pedaling should be the force of the legs starting at the top (12 o’ clock) pushing downwards (6 o’ clock) and releasing pressure upwards.\nCyclers also need to learn how to use and change gears. If you’re going downhill or uphill, you need to adjust the rear cassette to a lower gear.\nThe use of brakes in outdoor cycling is also essential. New cyclers must be aware that there are two brakes in their bikes: one in front and another at the rear. Front brakes are stronger in stopping your bikes than the rear brakes. However, they must be mindful that using the front brakes in wet roads is risky. If they need to brake while trailing a wet road, one tip is to push themselves back while pressing on the brakes so that the weight will be at the back of the bike.\nCyclers should also consider their posture when biking outdoors. If they want to be free of strains and muscle pains, their heads must be parallel to their backs (which are leaning forward) so as not to put all the tension to their arms and necks.", "label": "No"}
{"text": "Summer’s just about ½ over! That means along with camp, sports practice and summer fun, children and teens also need to find time for reading. Many schools provide a summer reading list beginning in the fourth or fifth grades requesting that students read two or more books from a selection. Requirements vary from one to five books and students may be asked to either write something about each book or take a “test” on them once they are back at school.\nIf your child has a list and has not started it here is a way to create a plan and avoid the last minute rush. First figure out how many books are required and either borrow them from the library, download them onto an ipad or tablet or buy them. Look at the calendar and divide the number of weeks left by the number of pages in the book. For example, if you have two books to read and each is 200 pages then your child would need to read 400/5=80 pages a week (based on 5 weeks left of summer) to finish both books. That would mean reading about 16 pages a day five days a week. A reality check with a calendar and the books required will help your child develop a better sense of time management. Or you can divide the book by its chapters and figure out how long it would take to finish if your child read a chapter a day.\nTo encourage children to read, there is no better way than to model it yourself. Set aside 20-30 minutes of reading time for the whole family each day. Find a time that works for your family such as, after a meal, late afternoon, or before bedtime. Summer is a great time for you to get some reading in too. Nothing beats reading a good book in the shade while sipping an iced tea. Sharing and discussing books is a great way to keep those communication lines open. What are you reading? Let me know on my Facebook page or in the comment section below.\n“Connecting a child and a book is like dropping a pebble into the water. You never know where the ripples will end up.” Ronald Jobe", "label": "No"}
{"text": "A brief description of the occupation of Dorchester Heights appears below. For a much longer and illustrated telling of the story, you can open the pdf version of Dorchester Heights: Prelude to Independence by Charles H. Bradford, MD. by\nDorchester Heights is now a small park atop a high hill lost in the side streets of a great city that grew up and expanded around and beyond the location that hosted a great moment in American history. The site functions now as any park in the city does. It is a place to enjoy the fresh air, to walk the dog or to jog around.\nBut in 1898 the General Court of Massachusetts, i.e, the legislature, commissioned a monument of white marble in Georgian Revival style to commemorate a Revolutionary War victory. So, what was the story that was so compelling as to construct a major monument? Well, some people think it was simply a very expensive way for an overwhelmingly-Irish city to make St. Patrick?s Day an official holiday by calling it Evacuation Day. The real story may be just as interesting.\nWhy is there a place called Dorchester Heights in South Boston? Until 1804 all of what is now South Boston was a subsection of Dorchester. In the earliest European settlement of Dorchester in the 1630s, the South Boston peninsula was used as the Cow Pasture. Later some of Dorchester families constructed homes there, and at the time of the Revolution there were perhaps 10 to 20 families living there.\nIt might be a good idea to provide a little of the context of colonial life leading up to the Revolutionary War. The colonies were under the rule of the King and Parliament, and all the people considered themselves English citizens. It was part of normal life that everything was English, including the security forces comprised of English soldiers and sailors who defended the colonies from foreign invasion.\nOver the course of the 18th century, there were negative reactions among colonial residents over the various taxes imposed by the British Parliament without representation from the colonies in the New World. Until the 1770s the result was mostly grumbling without action. But emotions rose to a fever pitch following the so-called Boston Masscacre on March 5, 1770. The event that provoked an increasingly high level of British forces in Boston occurred on December 16, 1773, when the Sons of Liberty costumed themselves as native Indians and dumped the tea into Boston harbor.\nBoston became a city under occupation. The surrounding towns prepared for possible conflict by stockpiling arms, training their inhabitants and setting people to watch for signs aggression. Their embankments and camps in a ring around the city figured prominently in the Siege of Boston, an attempt by the colonials to take back their city. The British were increasingly concerned about rumors that the colonial forces were stockpiling munitions in the countryside, and this led to forays outside the city beginning the night that Paul Revere and others alerted the countryside to the marching of British forces to Lexington and Concord in April, 1775, when the first shot was fired.\nThe next battle in what we now call the American Revolution was the Battle of Chelsea Creek, the first naval action, on May 27-28, soon followed by the Battle of Bunker Hill on June 17th.\nFortifications were quickly thrown up to defend the county against further incursions from the British, and the Siege of Boston had truly begun.\nOn June 16th, George Washington had accepted his post as head of the Continental Army, and on July 3rd, 1775, he assumed command in the field in Cambridge, Massachusetts.\nOne of Washington?s early actions was to authorize Henry Knox, a young man twenty-one years old and a bookseller by trade to travel to Fort Ticonderoga to retrieve cannons and other artillery pieces and drag them to Boston with oxen. Knox?s determination was the reason for the success of that venture, and he arrived in Framingham with the guns on January 20, 1776. Knox sledged, dredged, skidded and sledded across freezing lakes and rivers, up and over the precipitous slopes of the Berkshires and through the unplowed snowdrifts that covered western Massachusetts. The train included 55 guns: cannon, howitzers, cohorns and mortars. They thought this was a large enough number to meet though not to equal British firepower. Some of these pieces are still mounted on Cambridge Common, bearing the royal monogram GR (George Rex) and with the motto ?ultima ratio Regis? the last argument of Kings.\nWashington was in favor of a direct assault, and various plans were considered, including\n1. an attempt to break through the strong defenses at Bunker Hill and enter Charlestown\n2. a surprise at Boston Neck\n3. a beach landing on the river shore approaching by rowboat down the Charles River.\nWashington?s advisers were very cautious and seemed never to be ready to commit to the idea of a direct assault. Boston was connected to the mainland by a very narrow neck of land called Boston Neck, making any approach very visible. In the unusually extreme cold of that winter of 1775-1776, it seemed possible that the shallow part of the Charles River near Boston might become solid enough to land on, but that approach was as visible as any other. The Neck itself was guarded by a British Fort at its narrow section, so the likelihood of taking Boston via that route seemed low.\nWashington?s orders from Congress required him to discuss any major move with his eight general officers. These eight officers had not previously held any high rank in any professional army, nor had any of them with the exception of Israel Putnam ever served in anything other than frontier battles against native Americans. The General staff met at Washington?s headquarters in the house we now call the Longfellow House.\nThe group included two Major Generals: Artemas Ward and Israel Putnam. Artemas Ward was the senior of the group in rank, having formerly served as commander-in-chief until Washington?s arrival. Ward is considered to have been calm, cool and thoughtful, and he deserved credit for holding the army together. He is credited with opposing Washington?s hoped-for assault on Boston.\nIn contrast Israel Putnam was a fiery genius, a man whom troops might love but not a strategist nor a tactician. This 58 year old first came to join the army on hearing the Lexington Alarm, leaving his yoked oxen standing in the field.\nAmong the brigadier generals, John Sullivan had been Washington?s colleague in the Continental Congress where they both served. He was loyal and could be relied on to lead in battle.\nHoratio Gates who had been born in England had been a professional officer in the British military. He was well-acquainted with army routine, and as adjutant-general, he managed to bring some order out of the total chaos that prevailed.\nJoseph Spencer had served in the French and Indian War, but had little to recommend him. He was jealous that Putnam had been promoted over his head, but he never accomplished any distinguished service, so it seems that he hadn?t deserved higher appointment.\nWilliam Heath, was agreeably and honestly outspoken but cautious. For those of us looking back, we must appreciate him because he left a book of Memoirs that gave eyewitness accounts of his experiences.\nJohn Thomas was a key officer. He served in the French and Indian War and retired to practice medicine. At the start of the siege of Boston, he brought troops that he raised himself and assumed command of the army?s right wing in defense of Roxbury. To intimidate the British he once marched his command around a hill in Roxbury over and over again to give the impression of more manpower than he actually had. Thomas was the first officer that Washington himself nominated for a major generalship. At the siege he served under Artemas Ward with direct, personal command of the troops who occupied Dorchester Heights.\nThe last of the six brigadier generals was Nathaniel Greene, the most gifted of them all. He was 32 years of age and had begun as a Quaker and school teacher. But he realized the importance of the patriots? cause and joined the militia, engaging in intensive study of military theory and science.\nOn February 16th, these generals met with Washington to discuss his desire for a direct assault on Boston. Their discussion referred to the crushing news that had arrived from Quebec. In January, Montgomery and Arnold had tried a direct assault on the city of Quebec and met with disaster. Direct assaults on fortified garrisons were shown to be unsuccessful. The generals now argued that Washington had underestimated the strength of the British garrison in Boston.\nAt this meeting the generals proposed the alternative maneuver of occupying the Dorchester peninsula. This would provoke the British because the position would be highly visible and would have the advantage of being a defensive position that would afford an opportunity of directly bombarding the Boston waterfront. General Ward is credited with the proposal, which makes sense due to his position on the right wing, where he would have been most familiar with the territory in Dorchester. Washington had appeared indifferent to the fortification of Dorchester.\nAs yet neither army had occupied Dorchester. Both armies had felt they did not have sufficient resources to maintain the position. The Point or Dorchester Neck lay across the Bay at a distance of only a half mile or so from Boston Neck and three-quarters of a mile from the docks along the Boston waterfront. (Neck is a word that can mean the narrow piece of land that connects a larger peninsula to the mainland as in the case of Boston or can mean the whole peninsula as in the case of Dorchester Neck). Three hills merged into conjoined summits, an area known as Dorchester Heights. The heavily fortified Castle Island or Castle William occupied by the British stood a half-mile off shore.\nWashington had reconnoitered this area on Feb. 11th and 12th. He rode out over the causeway accompanied by Generals Ward, Putnam and Thomas along with Gridley, chief engineer Lt. Col. Rufus Putnam and Henry Knox who was in command of artillery. The offices continued to the end of the peninsula and left their horses with orderlies and strolled along for about a half mile. At this point someone noticed that British forces were riding furiously toward their batteries on Boston Neck. If the guns opened up, Washington?s return over the causeway would be cut off. This danger sent them all scampering for their life to get back to their horses and out of reach of possible fire. The success of the American Revolution depended on such tenuous moments.\nBritish General Howe received reports that the rebels might be planning to fortify the Dorchester peninsula, so he decided to eliminate any possibility by a surprise raid on Feb. 14th that would scorch the earth. The operation was a complete success except for the fact that they found no fortification. The British burned ten or so houses with barns and sheds to the ground in full view of the citizens who had lived in them. As inconsequential as this raid may appear, it gave Howe an enhanced sense of security and he only increased his batteries on Boston Neck where he felt the British guns could easily dislodge any rebels who might attempt to annoy the British from Dorchester.\nSo on in Washington?s council of war on Feb. 16th when the suggestion of occupying Dorchester again came up, the question became how to obtain a foothold once they moved troops to Dorchester. The causeway and the hills were fully open to sweeping British artillery fire, since the whole peninsula was exposed.\nA large combat labor force would be secretly assembled by nights and would march to the peninsula, taking the British by surprise and being prepared to fight the next morning.\nSuperficial parapets could be made up of fascines. These were bundles of sticks laid parallel and bound together. The bundles could then be laid end-to-end and side-to-side in a breastwork that could stop a musket ball. Still these constructions were unstable.\nMore substance could be obtained from gabions, which were wicker bags or baskets that could be carried onto the field empty, then filled with surface stones or gravel. They could be interspersed throughout the fascines to provide greater stability.\nHuge numbers of fascines and gabions would be required, but it was just this type of work that an army of farmers, aided by a local population, could and would do.\nThere was still a need for even greater stability. By luck Rufus Putnam was visiting General Heath and noticed a copy of Muller?s Military Field Manual. He borrowed it and came across a description of chandeliers. These were skeleton-like frames of light timbers nailed together to from cribs or cradles for fascines or gabions thereby giving strength. These too were manufactured by the amateur army along with local woodcutters, carpenters, mechanics and handymen.\nStill the only approach to the peninsula was over the causeway with exposure to British guns. For the moment the ground was frozen, so the road could be widened. To answer the question of how stay hidden while carting fortification material over the road, they came up with hay ? at that the time there were no machines for baling hay, but instead the farmers would take strands or skeins of long hay stalks and twist them rapidly together with a spiral motion to form ropes of hay that could be bound together. These were called screwed hay. These were to be laid on the side of the causeway facing Boston Neck to shield the road from the eyes of the British. The greatest quantity of hay came a long distance from across the Mystic and Charles Rivers, even all the way around from Chelsea.\nWashington would need one more trade to complete the mission, the teamsters. To transport all this material in a single night seemed nearly impossible, but men like James Boies of the upper mills in Dorchester (Mattapan Square) brought three hundred and sixty teams or horses and oxen to Dorchester and Roxbury. Schedules were worked out for the timing and number of trips.\nThe operation began on March 2nd on Lechmere Point?in an act of drawing the British attention elsewhere, some of Knox?s guns fired on the west part of Boston. Heavy guns from Roxbury?s high fort were moved closer to fortifications on Boston Neck to offer another barrage.\nAll the troops and the civilian volunteers, numbering in the thousands were quartered in the homes and barns of the local population. These men had to be fed and so did their animals. Some had to take what they could get in vacant houses and old cellars.\nAll the able men from Dorchester took part including Captain Lemuel Clap, Colonel Sam Pierce, Captain James Swan, and the aforementioned James Boies among many others.\nMarch 4 was chosen as the date to fortify Dorchester because the next day would be the anniversary of the Boston Massacre, when emotions would be at their maximum. On March 4th a full moon was shining and at 7 pm Gen. Thomas gave the word to move. From every lane and roadway, from every square, from every shed and barn and stable, men and teams issued forth. At the same time the artillery thundered from all around the rest of Boston to give the British something to think about elsewhere. The roar of the cannon and the light could be seen by Abigail Adams from the top of Penn?s hill in Quincy.\nThe teams kept up a semi-continuous circuit, some of them returning three or four times, bringing the prefabricated fortress across the marsh to the tops of the hills. The day had been mild so there may have been a couple of inches of surface dirt that thawed out so that it could be shoveled. To keep as quiet as possible the wheels of the carts were wrapped in straw. They were covered the sounds of the bombardment from elsewhere, especially as the British returned the fire they received.\nBy 3 am the workers would ordered to lay down their tools, and they were replaced by a contingent of 2500 fresh men, carrying muskets and powder and shot. They completed the fortifications and reinforced them.\nAt some time during the night twenty or so 12-pounder cannon arrived.\nSo it was that when dawn broke on March 5, 1776, the British were surprised. General Howe said that the rebels had done more in one night than his whole army could do in a month. He though it must have taken the work of ten thousand men.\nThe British intended to dislodge the patriots, but their tardiness in preparing boast to embark gave Howe more time to consider his position. Coincidentally by late afternoon, the storm that had been rising became a serious factor, tossing ships at their moorings and swamping smaller boats. Thus the evacuation of Boston was decided by the evening of March 5th. Extricating an army with all its goods and stores takes a bit of effort, but by March 17th the British embarked on their way to Nova Scotia. They did stay within the outer harbor for 10 days, and Abigail Adams counted 127 ships.\nThe success of the venture\n1. crystallized public opinion throughout the colonies by demonstrating that the immense power of the British could be defeated\n2. gave the countries of Europe notice that provincial Americans were worth their consideration\n3. brought a change in thinking ? no longer was the argument over rights or representation within the British government, it was now about Independence.\nHere are some images from the Atheneum archive related to this topic. Click on any of these images to open a slideshow of all 1499 images.\nDo you know something about this topic? Do you have\nother pictures or items or knowledge to share? What\nabout a personal story? Are you a collector? Do you\nhave questions? Contact us\nCreated: April 10, 2009 Modified: April 10, 2009", "label": "No"}
{"text": "They are now ready to eat all by themselves, and to take part in meals with the rest of the family.\nSomething new on the menu!\n- Fruit can now be given raw in small quantities or mashed with a fork. You can alternate this with compotes.\n- The quantity of meat increases to around 15 to 20g per day, i.e. 3 level teaspoons or one third of a hard-boiled egg, preferably given to them at lunch.\n> The quantity of dairy products increases, gradually replacing some of their milk consumption. Opt for the most basic dairy products: plain and with no added sugar. They must be pasteurised, because baby’s system is sensitive to the bacteria which may be found in raw milk.\n> Cereals and cereal products: rice, small pasta shapes, semolina, etc.\nNow that baby is able to chew small pieces, you can offer them cereals other than in powdered form.\nRice and pasta must be well cooked and blended if necessary. You can also get them used to the taste of bread by giving them the crumb minus the crust, which can go down the wrong way.\nDon’t forget to add fat to these preparations (butter or oil such as rapeseed, etc.).\nN.B. Honey which has not been specially produced for inclusion in baby products is not recommended for children under one year old. It can contain clostridium botulinum spores which may develop and produce a toxin in the child’s intestine, which is more sensitive than that of an adult due to the immaturity of their digestive system.", "label": "No"}
{"text": "Men and boys are the forgotten casualty in gender warfare. This paper examines how a renewed understanding of marriage and family life can help boys and men succeed.\nBoys and men today lag on a number of different factors. Males experience a higher dropout rate from school, they attend university less, they have a higher suicide rate, higher rates of homelessness and they are more likely today than in the past to live at home with their parents between the ages of 20 and 29. Canadians are marrying less, living together more, and experiencing higher rates of marital breakdown than in prior decades.\nResearch shows family breakdown (which amounts today to father absence) has detrimental effects. Conversely, fathers are an integral element of family life. In face of a feminist outlook which demonizes masculinity, men and marriage, an alternate thesis puts men and women in cooperative partnership and credits marriage with human flourishing.\nThis thesis, put forward by scholars such as Margaret Mead, George Gilder, David Popenoe and David Blankenhorn, among others, views marriage as a civilizing force for men, an institution created to include men in the procreative capability of women. Marriage allows men to compete with the “sexual superiority” of women, as per George Gilder.\nA strong marriage culture brings untold benefits to men, women and children. However, the benefits of marriage for men and boys are the focal point of this paper. Married men earn more money, enjoy greater health benefits and have connectivity with the long-term future through children. Married men help raise children in unique ways. Boys learn appropriate masculinity, how to be less violent and how to respect and include women through healthy role modeling.\nRecommendations fall into the realm of culture and community, not government public policy. These include changing attitudes to male/female relationships, changing attitudes toward the nature of sex in relationship and remembering that marriage was designed as a cultural institution that allows children to be affiliated with both parents, particularly fathers.\nDownload the full report below", "label": "No"}
{"text": "Appendix I: Glossary of Terms¶\nAn element of data that is associated with all instances of a given class, and is named at the class level. 19 In most cases, attributes are stored and assigned separately for each instance (for the exception, see class attribute). Synonyms include “data member” and “instance variable”.\n- class attribute¶\nAn element of data that is associated with a class, and is named at the class level. There is only one value for a class attribute, associated with the class itself. In contrast, for an instance attribute, there is a value associated with every instance of a class.\nA button on a window that globally controls the window. Examples include OK, Cancel, Apply, Revert, and Help.\n- dialog box¶\nA secondary window whose purpose is for a user to specify additional information when entering a command.\nA user interface component for editing the value of a trait attribute. Each type of trait has a default editor, but you can override this selection with one of a number of editor factories provided by the TraitsUI package. In some cases an editor can include multiple widgets, e.g., a slider and a text box for a Range trait attribute.\n- editor factory¶\nAn instance of the Traits class EditorFactory. Editor factories generate the actual widgets used in a user interface. You can use an editor factory without knowing what the underlying GUI toolkit is.\nAn object used to produce other objects at run time without necessarily assigning them to named variables or attributes. A single factory is often parameterized to produce instances of different classes as needed.\nAn object that specifies an ordered set of Items and other Groups for display in a TraitsUI View. Various display options can be specified by means of attributes of this class, including a border, a group label, and the orientation of elements within the Group. An instance of the TraitsUI class Group.\nA TraitsUI object that implements GUI logic (data manipulation and dynamic window behavior) for one or more user interface windows. A Handler instance fills the role of controller in the MVC design pattern. An instance of the TraitsUI class Handler.\nA class defined in the Traits package to specify objects whose attributes are typed. That is, any attribute of a HasTraits subclass can be a trait attribute.\nA concrete entity belonging to an abstract category such as a class. In object-oriented programming terminology, an entity with allocated memory storage whose structure and behavior are defined by the class to which it belongs. Often called an object.\nA non-subdividable element of a Traits user interface specification (View), usually specifying the display options to be used for a single trait attribute. An instance of the TraitsUI class Item.\nA term used to describe a window that is linked directly to the underlying model data, so that changes to data in the interface are reflected immediately in the model. A window that is not live displays and manipulates a copy of the model data until the user confirms any changes.\nA design pattern for interactive software applications. The initials stand for “Model-View-Controller”, the three distinct entities prescribed for designing such applications. (See the glossary entries for model, view, and controller.)\nA term used to describe a window that causes the remainder of the application to be suspended, so that the user can interact only with the window until it is closed.\nA component of the MVC design pattern for interactive software applications. The model consists of the set of classes and objects that define the underlying data of the application, as well as any internal (i.e., non-GUI-related) methods or functions on that data.\nSynonym for instance.\nA user interface region similar to a window except that it is embedded in a larger window rather than existing independently.\n- predefined trait type¶\nAny trait type that is built into the Traits package.\nA variation on a panel that ignores (i.e., does not display) any command buttons.\n- trait attribute¶\nAn attribute whose type is specified and checked by means of the Traits package.\n- trait type¶\nA type-checked data type, either built into or implemented by means of the Traits package.\nAn open source package engineered by Enthought, Inc. to perform explicit typing in Python.\nA high-level user interface toolkit designed to be used with the Traits package.\nA template object for constructing a GUI window or panel for editing a set of traits. The structure of a View is defined by one or more Group or Item objects; a number of attributes are defined for specifying display options including height and width, menu bar (if any), and the set of buttons (if any) that are displayed. A member of the TraitsUI class View.\nA component of the MVC design pattern for interactive software applications. The view component encompasses the visual aspect of the application, as opposed to the underlying data (the model) and the application’s behavior (the controller).\nA View, Group or Item object. The ViewElement class is the parent of all three of these subclasses.\nAn interactive element in a graphical user interface, e.g., a scrollbar, button, pull-down menu or text box.\nAn interface composed of a series of dialog box windows, usually used to guide a user through an interactive task such as software installation.\nThis is not always the case in Python, where attributes can be added to individual objects.", "label": "No"}
{"text": "The American Soldier, 1855\nExperience in the Seminole and Mexican Wars had demonstrated that campaigns in the swamps, forests, prairies, and lonely highlands of North America had to be waged in undress or fatigue uniforms. After the Mexican War many Army officers felt that the full dress uniform adopted in the early 1830's and retained without modifications was too expensive, complicated, and old-fashioned and requested a change. Their requests were heeded, and in 1851 radical changes were made in the style of the dress uniform. The uniform coat with sloping skirts and turnbacks worn since 1810 was replaced by a frock coat, and the tall, stiff dress cap by a cloth \"gig\" cap; also, some of the arms lost their established distinguishing colors. The infantry received light blue for the white worn since the Revolution, the dragoons orange instead of yellow, while the mounted rifles, over their strong protests, were given green to replace their black and gold.\nIn the scene depicting a battery of light artillery in 1855, a first sergeant of the light artillery is shown in the left foreground in the new jacket issued for the mounted troops in 1854, with the red piping denoting the light artillery. His grade is indicated by the three bars and lozenge of red worsted on his sleeve and by the red sergeant's sash. The red pompon on his cap and the red stripe at the base of the crown show his arm -- artillery -- and the letter on his cap, his battery.\nIn the right foreground is a quartermaster officer in the blue frock coat prescribed in 1851 for all officers.The buff welting on his trousers and the ornament on the front of his cap (U.S.) identify him as a general staff officer, and his pompon-- the lower two-thirds buff and the upper third light or Saxony blue -- indicates he is an officer of the Quartermaster Corps.\nIn the background is a battery of light artillery.", "label": "No"}
{"text": "Day 537. Why are we angry? We can be angry at somebody or at something. Anger is an emotion. It can spearhead action and call for a change. This is what psychologists consider the good side of anger. However, it’s easy to cross the line that delineates the good warning system from the harmful reaction to our health and relationships.\nAlthough, as for all emotions, we cannot control anger, we can however control our response to anger. Anger expressed with violence is destructive, anger expressed with assertiveness is helpful. Anger is actually the result of our ineffectualness, of our inability to handle a situation that we feel goes beyond our control.\nWe are angry at a kid breaking a glass while trying to drink. We are angry at a situation that goes haywire in a direction that we did not forecast. We are angry at an action somebody takes while we expected something else. In all those situation, it’s normal to get angry, it’s not constructive to react violently and vehemently. It may feel good, but it will always destroy trust, confidence and relationship. It’s much better to breathe and confront the reality by evaluating the situation and its outcome. One of the methods I found useful in most cases is to ask two questions to yourself or to the other party involved: Is this really important? What should have been different?\nGenerally, even if it’s an important event, there’s always a lot to learn from it. And as I was saying recently, either you win our your learn! When angers comes in, better learn!", "label": "No"}
{"text": "What is the history of this great logic puzzle, the sudoku?\nWell, we have already seen what the word sudoku means in the sudoku FAQ.\nTracing the origin is a little harder, even with the relatively short history of the puzzle, and ultimately comes down to how strict we are being. If we are talking literally about sudoku, then the answer is very recent.\nHowever, if we are talking about number games in general from which sudoku might be thought to be derived, then the answer is a little different.\nThat's because the idea of the Magic Square has been around for many centuries, and it could have been these which sparked the idea for sudoku - since the sudoku is a special case of this puzzle.\nAdditionally, Euler developed the Latin Square, another relation. Moving to the present era, a similar puzzle called Number Place appeared in American magazines in the 1970s. It is, therefore, perhaps a myth that sudoku is actually a Japanese puzzle, given that the puzzle was printed previously under the name of Number Place.\nNikoli magazines in Japan have indeed printed the puzzle under the name sudoku for many years, and this seems to be why the puzzle is thought to be Japanese originally. It first came to prominence in the West when it appeared in the Times newspaper around the start of 2005 and took off from there.\nIf you have any more information on the history of sudoku, please do Let us know", "label": "No"}
{"text": "Bait collection – the harvesting of organisms for use as bait for sea angling – has been an integral part of coastal life for generations. There are an estimated one million UK anglers fishing in the sea and tens of millions worldwide, all of whom rely on bait for fishing, with the vast majority collecting bait from the wild. In recent years, bait collection has become a highly contentious issue, often polarising anglers, local communities and those managing marine coastal resources; it has even led to incidents of intimidation and violence. Marine ecosystems face increasing threats from human activities and it is now recognised that management of bait collection is a high priority in coastal marine protected areas. This article looks at our current research on this topic and discusses how successful local management has been in meeting its objectives. Locally driven approaches also have high relevance for a diverse range of human impacts on the coast, from recreational activities to fishing. As the marine conservationists’ management toolbox is under ever-increasing financial pressure these types of schemes are likely to be increasingly used as they are often relatively cheap to implement and run.", "label": "No"}
{"text": "On 14 January 2011, Science published an article by Lyall et al. entitled 'Suppression of Avian Influenza Transmission in Genetically Modified Chickens'. The authors state themselves that their research and results are about a 'proof of principle' - something which by definition is a long way away from actual applicability and does not consider any safety issues. The ‘proof-of-principle’ claimed is “that genetic modification can be used to prevent avian influenza infection in chickens”. Genetically engineering chicken with a so-called decoy element, Lyall and colleagues can show in experimental setting that whilst influenza infected GM chicken will get sick and die they will not transmit the disease to other chicken, whether these are GM as well or not. The authors also state, that “the specific mechanism underlying this effect is not known.” The decoy itself was first described by Luo et al. in 1997,1 who designed the decoy molecule to resemble an artificial binding site for the polymerase enzyme of the influenza virus. This viral enzyme is crucial for the replication of the virus within the host organism, and if the viral polymerase binds to the decoy it can no longer fulfill its tasks sufficiently. Yet viruses will still replicate in the infected chicken, though for reasons speculated on but not understood, they can no longer efficiently infect other chicken.\nRealities of bird flu and chicken farming\n- Avian Influenza A viruses are widespread in the animal kingdom and consisting of some 144 possible subtypes. 2\n- Birds can be hosts for all known subtypes of influenza A viruses, particular the low pathogenic strains.\n- Low pathogenicity or virulence of subtypes in wild birds is seen as the consequence of a long co-evolution between birds and the influenza viruses, allowing the viruses to remain in their hosts without destroying them.\n- Upon infection, wild birds typically will not get sick. This is also partially the case for some local poultry breeds, which are still prevalent in the Global South, which may carry or be in contact with bird flu viruses but not get seriously sick or die from it.\n- Hybrid chickens and inbred lines, however, easily get sick. Intensive factory farming requires expensive biosecurity measures to protect them from the infections, which are facilitated by factory farming in the first place.\n- The immune systems of these factory farm breeds and hybrids often respond less well to challenges due to a number of factors. These include: - reduced genetic diversity (which is crucial for immune responses on the population level), and non-selection in breeds (e.g. Pinard et al. (1991) - too much protection e.g. from exposure to germs and thus lack of training of immune system (due to the biosecurity measures), - stress (e.g. overcrowded living conditions, see below).\n- Due to their flock size, the living conditions of the chickens and the narrow range and uniformity of the breeds used, huge losses can easily occur, if a factory farm is infected. The whole population will need replacing, often referred to as “depop-repop” by industry experts.\n- The pathogenicity of a virus (such as the speed and ability to infect and kill) can easily increase under favorable conditions. High animal population density is a major contributing factor to the development of viruses from low pathogenicity to high pathogenicity, such as the H5N1 avian influenza virus. “When bird densities are low, a very virulent subtype leading to high host mortality may disappear because of the impossibility of transmitting quickly to healthy birds before the death of sick ones.” (Gauthier-Clerc et al. 2007). In European broiler farms the average density is 22 animals per square metre. The birds can not exercise their natural movements. The air is highly loaded with dust and pathogens. A considerable percentage of animals die before reaching the slaughter weight, indicating their poor health status.\n- Only some 30 breeding lines of broiler and layer chicken are used in chicken factory farming globally. Broiler genetics are provided by only four internationally operating livestock genetic companies; only two of them share the global market for layer hen genetics.\n- Farmers in the South are increasingly outcompeted by huge factory farms owned by large investors. Patents on GM poultry could increase the cost of day old chicken and contribute further to industrial concentration and loss of livelihoods. This is comparable with the higher costs to farmers of GM seed.\nSome tragic consequences of avian flu responses\n- Thousands of wild birds were culled before it became clear that the disease travelled along the trade routes of farmed chickens rather than along the migratory routes of wild birds. (see below).\n- Millions of local poultry were culled before it became clear that bird flu was spread by factory farms.\nFacts and Figures\n- In September 2006 the World Bank estimated the potential costs of a severe avian influenza (bird flu) pandemic in humans globally to be US$ 2 trillion. This would represent a cut of more than 3 percent of the global economy’s gross national product due to its impact on trade and economic activity (FAO AIDE news 3 and Asian Economic News 4.\n- Over 250 million domestic birds were culled by 2007 in connection with bird flu (S. Cointreau, World Bank 2007: Livestock Interjurisdictional and Intersectoral Issues)5.\n- The costs of the epidemics is not only monetary. Victims are also the priceless diversity of local breeds and specific races. In the Netherlands alone, more than 20 million birds were culled, including rare breeds, as a preventive measure. Lack of understanding, misconceptions, misrepresentations and the interests behind factory farmed poultry have resulted in eradication of local breeds. In many developing countries bird flu was used as an excuse to eliminate local breeds. Once lost these cannot be reproduced easily. Industrial poultry is now understood by many to be at the heart of the epidemic of bird flu. To continue pointing at local breeds and free range production and attempting to curtail these is not only ill advised but will most likely worsen the situation. (Grain 2006: Fowl play)6.\n- In March of 2007 scientific proof was published in the British Ornithologists’ Union journal Ibis, that bird flu did not follow the routes of migratory birds, but rather the routes of poultry trade, both legal and illegal (Gauthier-Clerc et al. 2007).7 A summery of this science paper and additional commentary is provided by Birdlife International 8.\n- After hundreds of thousands of birds had been culled, FAO concluded from a study that contrary to expectations, the small farmers' poultry in Thailand (so-called back yard flocks) had the lowest risk of infection (measured by incidence of detected infection) as compared to in commercial layer and broiler flocks.9\n- The report ‘The Role of the Intensive Poultry Production Industry in the Spread of Avian Influenza’ by Compassion in World Farming (February 2007) adds to the evidence that the development of highly pathogenic strains of bird flu is a direct consequence of factory farming: \"Selecting generation after generation of birds for their faster growth rates and higher meat yields has left the birds' immune systems less able to cope with infections and there is a high degree of genetic uniformity in the population, making spread of the virus all the more easy.\" The report further summarises: \"An intensive poultry farm provides the optimum conditions for viral mutation and transmission - thousands of birds crowded together in a closed, warm and dusty environment is highly conducive to the transmission of a contagious disease.\"10\nAddressing the research in question: the GM approach and transgenic chickens\nWhen applying genetic modification technology (GM) it is important to find out whether the modification and the ensuing trait is stable and durable and also whether it has direct or indirect negative side effects and consequences, none of which is known so far.\n- Gene Silencing - if and when gene silencing occurs, the GM trait is not reliable: Organisms have the ability to switch genes or gene sequences off. This is thought to be in part a defence mechanism against ‘intruders’ (e.g. viral sequences), an adaptation mechanism or at times a gene regulation mechanism. Such gene silencing has repeatedly been observed for example in GM plants and their GM traits/genes, especially when introduced sequences are doubled up or repeat already existing sequences (e.g. as in the promoter sequence in the case of the chickens). Whilst gene silencing is also being observed in GM animal systems, this is largely found in situations with genetically modifying somatic cells (body cells) rather then germ line (reproductive) cells. Another trigger for gene silencing can be stress, of which chickens will experience a great deal in intensive factory farming conditions. There is still insufficient knowledge about all the different mechanisms involved in gene silencing stimulated by environmental cues. Only long-term studies over many generations and under different conditions can offer any further clues and information on such concerns and risks.\n- Adaptive responses by viruses: Furthermore, viruses are amongst the most adaptive organisms on the planet, constantly out-manoeuvring and overcoming defence mechanisms. The fact that the current polymerase binding sequence is a highly conserved region (stable over a considerable period of evolutionary time) across all influenza A sub-types might be due to the fact that host organisms (e.g. chickens) have not yet found a way to counter it. Genetic engineering presents a new challenge to and pressure on viruses, and we should be ready for them to find ways – perhaps rather novel or unexpected ways - to circumvent our strategies in the not too long term.\n- Risks & negative and harmful side effects: The paper is not dealing with this issue at all. As an attempt to provide a proof of principle the authors do not touch any other concerns, such as risks to health (to either chicken or humans) or environment, biodiversity, livelihoods, food security. It is known though in general, that genetic engineering in itself as well as the addition of new genetic sequences and traits result in unintended and unexpected changes and consequences (for example see EcoNexus paper on Genome Scrambling).\n- The muted virus – an uneasy risk. The virus produced by the GM chicken has to be regarded as a risk in itself. Though the virus produced by the GM chicken seems to be the same virus as before, yet, for unexplainable reasons, it no longer seems to be infective to chicken. It is not clear, what has changed, it is equally not clear, what this change might mean in terms of altered host range, altered pathogenicity, or latency. And if it is no threat yet, it may mutate into one over not too long a time period, given its adaptive potential.\nShould this application of GE technology be intended for further development towards actual application to chickens, many long term studies would be required, including investigating whether the chickens might in turn have become more susceptible to other pathogens (including other viruses) and stresses, whether there are alterations in behaviour, nutritional value, growth parameters, etc.. Long term studies would also have to cover the effect on the virus, and the altered behaviour of the virus. In view of the fact that viruses have plainly adapted over time to infect new species, we have to be certain that genetic modification does not stimulate or force the virus to adapt so as to infect different species more readily, including humans.\nThe real causes for the emergence of highly pathogenic bird flu viruses such as H5N1 strains, and their spread are found in the current practices of factory farming and global trade in poultry. High chicken density for example is key contributor to the development of such highly pathogenic viruses, aided by other factors like untrained immune systems due to high biosecurity measures and genetic uniformity of poultry. A GM approach cannot offer a solution to these problems but might instead unintentionally add to them. In depth deliberations and rethinking are required.\n- 1. Luo G, Danetz S and Krystal M (1997). Inhibition of influenza viral polymerases by minimal viral RNA decoys. Journal of General Virology 78 (9): 2329–2333\n- 2. Avian Influenza A viruses are categorised according to the varying combination of two surface proteins of the virus, namely 16 types of H combined with 9 types of N, e.g. H5N1 virus.\n- 3. FAO AIDE news (Avian Influenza Disease Emergency): Situation Update 43, 30 September 2006, page 3, ftp://ftp.fao.org/docrep/fao/011/aj085e/aj085e00.pdf\n- 4. Asian Economic News, 18 September 2006, http://findarticles.com/p/articles/mi_m0WDP/is_2006_Sept_18/ai_n16729771/\n- 5. Sandra Cointreau, Solid Waste Advisor, World Bank, Urban Anchor (June 2007). “Livestock Interjurisdictional and Intersectoral Issues”. http://siteresources.worldbank.org/INTMF/Resources/339747-1181596204611/...\n- 6. Fowl play. Grain (2006). www.grain.org/briefings_files/birdflu2006-en.pdf\n- 7. Gauthier-Clerc M, Lebarbenchon C, Thomas F, 2007. ‘Recent expansion of highly pathogenic avian influenza H5N1: a critical review’. Ibis 149(2): 202-214. http://onlinelibrary.wiley.com/doi/10.1111/j.1474-919X.2007.00699.x/full & gemi.mpl.ird.fr/PDF/cl2007b.pdf\n- 8. Bird flu follows trade, not migration routes. Birdlife International, March 2007, http://www.birdlife.org/news/news/2007/03/avian_flu_report.html\n- 9. FAO Policy Brief. HPAI risk, bio-security and smallholder adversity. Pro-Poor Livestock Policy Initiative (PPLPI) http://www.fao.org/ag/againfo/programmes/en/pplpi/docarc/pb_hpaibiosecur... based on: Otte J, Pfeiffer D, Tiensin T, Price L, and Silbergeld E (2006). Evidence-based Policy for Controlling HPAI in Poultry: Bio-security Revisited. PPLPI Research Report Nr. 06-12; December 2006 – http://www.fao.org/ag/againfo/programmes/en/pplpi/docarc/rep-hpai_demand...\n- 10. The Role of the Intensive Poultry Production Industry in the Spread of Avian Influenza by Compassion in World Farming (February 2007) http://www.ciwf.org.uk/includes/documents/cm_docs/2008/i/intensive_poult...", "label": "No"}
{"text": "Territorial conflicts and people in Africa: forced migration\nThe global level of forced displacement across international borders continues to rise. By the end of 2016, the total number of refugees and asylum seekers in the world was estimated at 25.9 million representing 10.1 per cent of all international migrants. The developing regions hosted 82.5 per cent of the world’s refugees and asylum seekers.\nIn Africa, as a form of migration, conflict-induced or forced migration has also been a long-standing phenomenon across the world, although it gained prominence in recent times as a result of its severity, magnitude and frequency. Protracted conflicts in countries such as Syria, Libya, Mali, Democratic Republic of Congo, South Sudan and Central African Republic as well as the heightened activities of terrorists, violent extremists and radicalized groups in North and West Africa and the Middle East have contributed to increased and widespread forced displacement of persons, in search of basic safety and security.\nAfrica is disproportionately affected by conflict-induced or forced migration, with four of the top ten refugee accepting countries in the world being in Africa; and over 25 percent of the world’s refugees residing in Africa – this is excluding migrants who are internally displaced within different African countries. Based on this, participants collectively underscored the important need for accelerated and targeted regional action, and international support, to address the challenges faced by forced migrants and the root causes of conflict-induced migration in Africa.\nContestations over porous and artificial borders in Africa remain a cause of disputes and violent conflicts, which can lead to forced migration. For instance, borders disputes between Eritrea/Ethiopia, Sudan/South Sudan, Kenya/ Uganda, as well as Somalia and Ethiopia, Djibouti and Kenya, have led to various forms of conflicts. In addition, the porosity and poor management of borders in Africa, coupled with the effects of the war on terrorism, make border crossing dangerous and create strict border controls and enforcement. Often this has implications for the safety and protection of migrant populations, who are increasingly vulnerable to exploitation and abuse at border points by state and non-state actors.\nThe porosity of borders in Africa also tends to create disjoints in national identities, as communities on either side of the border are merely divided artificially, despite having family ties on either side. Given this artificiality and the fact that often people tend to simply migrate across the border, participants reaffirmed the need to promote migration for development, as espoused in Agenda 2063, including by identifying and focusing on connectors such as cultural heritage and language ties that exist across borders. Such an approach could help in fostering the receptivity of host communities to migrants.\nThis post is based on Jorge Emilio Núñez, Territorial Disputes and State Sovereignty. International Law and Politics (Routledge 2020).Previous published research monograph about territorial disputes and sovereignty by the author, Jorge Emilio Núñez, Sovereignty Conflicts and International Law and Politics: A Distributive Justice Issue London and New York: Routledge, Taylor and Francis Group, 2017.\nTerritorial conflicts and people in Africa: forced migration and where it all started.\nWednesday 14th October 2020\nDr Jorge Emilio Núñez", "label": "No"}
{"text": "As Alberta Premier Notley and BC Premier Horgan square off over the Kinder Morgan / Trans Mountain pipeline, as Alberta and then Saskatchewan move toward elections in which energy and pipelines may be important issues, and as Ottawa pushes forward with its climate plan, it’s worth taking a look at the pipeline debate. Here are some facts that clarify this issue:\n1. Canada has committed to reduce its greenhouse gas (GHG) emissions by 30 percent (to 30 percent below 2005 levels by 2030).\n2. Oil production from the tar sands is projected to increase by almost 70 percent by 2030 (From 2.5 million barrels per day in 2015 to 4.2 million in 2030).\n3. Pipelines are needed in order to enable increased production, according to the Canadian Association of Petroleum Producers (CAPP) and many others.\n4. Planned expansion in the tar sands will significantly increase emissions from oil and gas production. (see graph above and this government report)\n5. Because there’s an absolute limit on our 2030 emissions (515 million tonnes), if the oil and gas sector is to emit more, other sectors must emit less. To put that another way, since we’re committed to a 30 percent reduction, if the tar sands sector reduces emissions by less than 30 percent—indeed if that sector instead increases emissions—other sectors must make cuts deeper than 30 percent.\nThe graph below uses the same data as the graph above—data from a recent report from the government of Canada. This graph shows how planned increases in emissions from the Alberta tar sands will force very large reductions elsewhere in the Canadian economy.\nLet’s look at the logic one more time: new pipelines are needed to facilitate tarsands expansion; tarsands expansion will increase emissions; and an increase in emissions from the tarsands (rather than a 30 percent decrease) will force other sectors to cut emissions by much more than 30 percent.\nBut what sector or region or province will pick up the slack? Has Alberta, for instance, checked with Ontario? If Alberta (and Saskatchewan) cut emissions by less than 30 percent, or if they increase emissions, is Ontario prepared to make cuts larger than 30 percent? Is Manitoba or Quebec? If the oil and gas sector cuts by less, is the manufacturing sector prepared to cut by more?\nTo escape this dilemma, many will want to point to the large emission reductions possible from the electricity sector. Sure, with very aggressive polices to move to near-zero-emission electrical generation (policies we’ve yet to see) we can dramatically cut emissions from that sector. But on the other hand, cutting emission from agriculture will be very difficult. So potential deep cuts from the electricity sector will be partly offset by more modest cuts, or increases, from agriculture, for example.\nThe graph at the top shows that even as we make deep cuts to emissions from electricity—a projected 60 percent reduction—increases in emissions from the oil and gas sector (i.e. the tar sands) will negate 100 percent of the progress in the electricity sector. The end result is, according to these projections from the government of Canada, that we miss our 2030 target. To restate: according to the government’s most recent projections we will fail to meet our Paris commitment, and the primary reason will be rising emissions resulting from tarsands expansion. This is the big-picture context for the pipeline debate.\nWe’re entering a new era, one of limits, one of hard choices, one that politicians and voters have not yet learned to navigate. We are exiting the cornucopian era, the age of petro-industrial exuberance when we could have everything; do it all; have our cake, eat it, and plan on having two cakes in the near future. In this new era of biophysical limits on fossil fuel combustion and emissions, on water use, on forest cutting, etc. if we want to do one thing, we may be forced to forego something else. Thus, it is reasonable to ask: If pipeline proponents would have us expand the tar sands, what would they have us contract?\nGraph sources: Canada’s 7th National Communication and 3rd Biennial Report, December 2017", "label": "No"}
{"text": "Prescription Drug Abuse on the Rise\nPrescription drugs are currently the second most commonly abused category of drugs in America, only behind marijuana. While the majority of prescription drugs are taken as prescribed, a recent study showed that 20% of people in the United States have used prescription drugs for non-medical reasons. While prescription drugs can be very helpful in treating various illnesses and coping with moderate to severe pain, they can also be very addictive, especially when they are used in a manner inconsistent with the way their prescribed. The most commonly abused prescription drugs are prescription painkillers like oxycontin, vicodin, xanax, valium, percocet and codeine.\nCommon Misconceptions about Prescription Drug Abuse\nThere are many commonly held misconceptions about the abuse potential of powerful prescription drugs. Because these substances are obtained legally, and have legitimate use in the medical profession, many people are unaware of the highly addictive qualities many of these drugs contain. There are also many misconceptions among young people that prescription drugs are safer than illegal drugs. Because these powerful prescription drugs are readily available in many households and medicine cabinets around the country, they are easily accessible and are often easier to get then most common illegal street drugs. However, what many teens and young adults don’t realize is that some of these prescription drugs they are misusing are some of the most addictive substances in the world, and can be fatal if taken with other substances such as alcohol, cocaine, or combined with other prescription drugs.\nDrugs such as oxycontin, codeine, percocet and vicodin are opiate based drugs, and some of the most powerful and addictive drugs known to man. While these drugs are quite effective in treating pain, they can often be misused and lead to long term drug addiction and dependence. Oxycontin is so addictive that many experts have compared it’s addictive effects to be comparable with the addictive qualities of heroin and morphine.\nDangers of Prescription Drug Addiction\nPrescription Drug Addiction can produce serious health effects, including long term abuse and physical dependence. Physical dependence takes place when the body has become so used to the influx of the prescription drug in their system, that their body adapts to this influx and can no longer function normally without the drug. Physical drug dependence is often characterized by an increasing tolerance and powerful withdrawal symptoms that could start hours after the last dose was taken.\nOpiates, such as Oxycontin and Vicodin can produce drowsiness, constipation and depending on the amount taken, can slow down heart rate and depress breathing. Central nervous depressants slow down brain function, and if combined with other medications or alcohol can lead to a dangerous decrease in heart rate, respiration and blood pressure. These drugs taken repeatedly or in high doses, can cause anxiety, paranoia, dangerously high body temperatures, irregular heartbeat, respiratory failure, seizures and fatal overdose.", "label": "No"}
{"text": "What is VoIP DDoS?\nDDoS attacks threaten VoIP networks and attempt to take them down. Preventing a DDoS attack is an important step to securing your organization's phone system and protecting it from hackers who want to harm your network. Unfortunately, DDoS attacks are a fact of life for having a VoIP system at your company. You can't always avoid them, but you can proactively protect your network so it can be better at withstanding a DDoS attack when it happens. This can help your business improve the functionality of your phone network and eliminate threats.\nVoIP DDoS is just one of the threats to VoIP networks, so it's important to have a comprehensive plan with the right security measures to keep your network from going down or losing functionality, particularly during key use times or in situations where you really need reliable phone service.\nHow Do VoIP DDoS Attacks Work?\nDDoS (Distributed Denial of Service) attacks are designed to basically take down a network, at least temporarily, making it difficult if not impossible for the network to function as it was designed to do. To understand the basis for this, it helps to know a few key terms and understand the basics of these attacks.\nHere is some information that is helpful to remember:\n- DDoS attacks: Using a network of rogue computers, hackers launch a large number of requests at a target all at once. As a result, the network is overwhelmed with the requests and doesn't know what to do. It can't serve the normal requests it has, so it effectively stops working. It's like a supermarket counter with a large number of teenage bullies standing there asking the three cashiers so many questions that they can't serve the line of customers. Until the kids step away, it's almost as if the store service desk is closed, even though it's working frantically. That's a DDoS attack in a nutshell. Say there are a hundred kids yelling at the store employees---wow, that's probably going to be a lot to manage, and the store will have to control the crowd before service goes back to normal.\n- VoIP network: VoIP networks allow VoIP phone service to connect between phone call recipients and callers. The network relies on a few different connections---the Internet connection, LAN (Local Area Network), national network, etc., depending on the phone system and needs of the organization.\n- VoIP service: VoIP (Voice over Internet Protocol) uses the Internet to transmit phone service.\nWith the right equipment, software, and configurations, you can set up your own VoIP system and you can reduce the likelihood that you'll suffer a DDoS attack.\nWhy Do Hackers Launch DDoS Attacks?\nIt depends. Sometimes, hackers are just intent on causing mayhem. Often, though, hackers will use DDoS as an opportunity to ask for ransom or try to extort information or some type of response from your company. DDoS could have a wide range of different motives---just like the people who create them.\nThe exact reason isn't always the important thing. Protecting your phone system is. And remember that the reason for the attack might not simply be money; it could be targeting your reputation or serving as a distraction or hindrance. DDoS attacks are serious because they can have wide-ranging consequences. This is why it's important to plan for them.\nPreventing DDoS Attacks\nWhile in many respects it's hard to truly prevent DDoS attacks because it's difficult to completely close down phone lines, there are protocols that can be used to help filter out known attack calls. This way, if phone numbers have been registered as bad numbers in the past, then future DDoS attacks from the same numbers could be prevented. Many DDoS attacks feature simple repeated automated calls, so in theory you can completely prevent an attack in the first place if you can block the numbers that are calling you.\nVoIP servers do, however, use open lines to receive communications, so there's inevitably going to be a small amount of vulnerability to future attacks.\nLearn More about DDoS\nDDoS attacks overwhelm servers and can be devastating to phone networks. As such, it's important to do with you can to try and prevent them. Securing your servers can help.\nWhen it comes to VoIP, 8x8 provides a reliable and compliant cloud solution at a demanding level rarely seen by other cloud providers. Don't take your chances with a subpar cloud-based telecom system. Call 1-866-879-8647 or fill out an online form to request a no-obligation quote from an 8x8 product specialist.", "label": "No"}
{"text": "Benefits of Learning Coding in School\nCoding is fast becoming one of the most important subjects taught in schools. Here are five reasons why it’s beneficial to students.\n1. Coding is the new literacy\nIt’s no secret that children grow up with an almost innate ability to adapt to new technologies. The way they pick up smartphones, computers and games consoles seems like second nature – but it’s just the nature of being young. Our ability to quickly pick up complex or technical tasks diminishes with age. For example, the older you become the harder it is to learn a new language.\nThe same goes for technology use and, more precisely, coding. Today, the importance of learning to code rivals even that of reading and writing. It’s a core skill that can help a child develop a deeper understanding of how technology works. Given the extent to which technology shapes our lives, learning to code helps develop a better understanding of the world around us.\n2. Prepare for the future jobs market\nSchools have a responsibility to provide their students with all the tools and skills they need to succeed in the modern workplace. Increasingly, that means an ability to code. Glassdoor reported that eight of the top 25 jobs in the US are tech-based and require some level of coding proficiency. These don’t necessarily have to be computer programmers but include roles such as Data Analysts and Scientists.\nSimilarly, a 2016 Burning Glass report found seven million job openings that year which value coding, with roles such as computer programmer rising 12% faster than the market average. These roles are also among the best paid around.\nThere is little point in focusing on skills that leave students with limited options when it comes to hitting the jobs market. By incorporating coding into the curriculum, children are given an essential tool for building a successful career.\n3. Develop problem-solving skills\nCoding can often be daunting. Presented with a significant problem, frustration can quickly build if you find yourself constantly walking down dead ends. But coding teaches a child that complex problems are simply a series of smaller problems that can be fixed in sequence.\nCoding can often be compared to hypothesis testing in science, particularly when testing whether a set of code will stand up and work correctly. Children will be taught to identify a problem, break the code down into segments and test each one, repairing faulty parts before moving onto the next problem.\nIt’s this mindset that makes great coders, and one that pupils will benefit from regardless of subject or circumstance.\n4. Instil perseverance\nTo succeed in the method of hypothesising, testing and refining, you need one characteristic more than any other – perseverance. Creating a set of code only to see it fail upon testing is disheartening, especially if the solution isn’t immediately obvious. But if at first you don’t succeed, try, try and try again.\nCoding takes incredible levels of perseverance to try new things, test and find solutions to problems. It’s another vital life skill that students will draw upon for the rest of their lives.\n5. Heighten language skills\nRecent research for the University of Washington found that a natural aptitude for learning languages is a better predictor of coding proficiency than maths. Instinctively, you might think there are strong comparisons between maths and coding, but code is a language, and mastering it requires many of the same logical steps to be taken.\nCode has a natural grammar and vocabulary to unlock. If you find your child is particularly good at it, you should also find their ability to learn new languages is heightened.\nCompass International School recognises the importance of coding in a modern curriculum that skills students up for today’s jobs market. Learn how we nurture the skills your child needs to succeed in the 21st century.", "label": "No"}
{"text": "Septic tanks are a major concern for people living in urban areas, especially in close proximity buildings. Gone are the days where sewerage was left to ooze out into the open, polluting not only the ground but the entire environment in general. Human and animal refuse can cause very serious diseases or disorders for people if not properly put in check. Septic tanks are the solution to this problem where sewerage is stored in airtight tanks underground for treatment and occasional testing.\nHow do you notice a defective septic tank?\nNormally septic tanks should be tested frequently, at least twice a year. The average lifespan of septic tanks is five years. After such time, if they’re not inspected and treated by professionals, you will observe wet spot or areas of stagnant water above the location of the septic tank drainage. Bad odours in or around your house may be the result of a full septic tank.\nHow do septic tanks work?\nMost private developers and real estate owners employ the services of excavating contractors for the purpose of septic tank construction and installation, as well as septic tank repair in the case of defectiveness. Excavating contractors dig up a sizable hole in the ground and construct a septic tank which is subdivided into two compartments separated by a concrete wall, or at times fiber glass. One system holds the septic tank, which is watertight, with only an inlet and outlet pipe. The other system is the drain field. Waste water usually flows from houses through the sewer pipe where it is treated in the septic tank where it is then held long enough for the layers to separate. The heavy bottom greasy sludge and the floating scum cannot be broken down and are the ones that are pumped out after some time.\nMaintenance of septic tanks\nYour local excavation contractors may offer maintenance services on your septic tank, where they can keep it in check through inspection. Experts on septic tanks advise a minimum of three to five years for pumping to be done on septic tanks. Meanwhile any defects should be reported accordingly for septic tank repairs to be made. However, pumping of septic tanks also varies with size. Smaller tanks should be pumped more often, compared to larger tanks. The size of tanks varies with the type of houses around where it is built. Proper pumping is usually observed, as when the water level is lower than the outlet pipe you may have clogging. If the water level is higher than the outlet pipe, then the septic tank needs pumping. Standing water above the ground may mean a broken sewer pipe or full septic tank.\nSeptic tanks are an important aspect of keeping the environment clean and rid of waste. As such, a follow-up should be done now and then on them. There are many possible causes of defects, but the first milestone should be to reach out to a professional septic tank repair expert.", "label": "No"}
{"text": "Whatsapp, a Facebook-owned messaging app, up until now reputed as one of the most secure communication tools, gave its users an ultimatum. Either agree to share your personal data with Facebook or stop using the app. In turn, this re-sparked the topic which are the most secure messaging apps.\nThese apps make it easy to communicate and connect with people and colleagues. And for some professions, such as executive protection, using a safe and protected channels of communication is a priority.\nTechnological advances opened up new avenues in this regard. However, with those advances, new avenues arose immediately through which your privacy and security can be breached. Sadly, some private messages and apps can potentially be exploited by third parties, companies behind those apps, as well as governments collecting private information on their citizens.\nSome of the most popular apps like Twitter, Instagram, Facebook Messenger or Snapchat do not use end-to-end encryption. This means that your conversations and files are not fully secure. Conversely, other services have upped their game significantly in terms of security.\nThis is why it’s so important to stay abreast with the most secure messaging apps and security trends in today’s tech-fueled world.\nWhat is Secure Messaging?\nAs we said, we all rely on messaging services to carry out our regular, daily communications, both for personal and business use. They are an integral part of our lives and often we exchange sensitive info, location and other data.\nSo what happens then when we are in country with an autocratic regime that closely controls and monitors the internet?\nThis is why it’s important to familiarize yourself with the security features of an app before deciding which service to use. Generally, secure messaging combines several elements, but the three most important are: end-to-end encryption, multi-mode messaging and synchronization with other platforms or devices.\nMany claim to know secure messaging is a vital resource for EP however the number of EP practitioners who continue to send unsecured text messages is disheartening. The risks of using traditional and inadequately secured communications methods can be greatly reduced by using emerging messaging technologies. This allows EP practitioners to use a more secure communications platform with minimal adjustments to our standard protocols.\n– Caleb Gilbert, Head of Security for the CEO of PayPal\nIn a nutshell, end-to-end encryption refers to applying encryption to messages for device A in such a way that only device B – to which the message was sent, can encrypt it. Basically, the message travels encrypted all the way from the sender to the recipient.\nThis technique is used by secure messaging apps to exclude parties such as your Internet service provider, app makers, governments or anybody else from being privy into your communication. From the moment the message is written, while it’s in transit and until it’s received, no one else can see it.\nCurrently, this represents the most private messaging method – and if messages are not end-to-end encrypted, they are non-private. Messages are decrypted by using locally stored keys or secret codes, once they pass from sender to receiver.\nAlso, encryption does not allow anywhere the storing of the copies of messages.\nMultimodal texts combine two or more modes such as written language, spoken language, visual, audio etc. Creating digital multimodal texts involves the use of communication technologies.\nThis feature allows users to include different forms of communication into their messages – like video or audio files. Messaging aps where you can utilize multiple modes, often allow their users to delete whatever type of message comes through.\nThis element allows users to use the same messaging app on different platforms at the same time. You can sync your messages across web, mobile or desktop platforms.\nSo, if you as a user would feel more secure with the possibility of, say, storing private messages in one location and then deleting them from another – this element will up your feeling of safety and privacy.\nThe Most Secure Messaging Apps\nOnline privacy is a subject on which we are much more aware of now than in recent years. Identity theft or online snooping a dangers that we have on our minds on a daily level.\nLuckily, as governments and agencies grapple with privacy and public security issues for years, app makers were no idle and they created a number of effective encryption tools.\nNumber of Users: 1.5 billion\nWith users making up nearly 20 percent of the global population, WhatsApp is one of the most well-known messaging apps out there. It not only utilizes end-to-end encryption, it uses the crazy-strong encryption protocol developed by Signal.\nOne of the biggest arguments in favor of using it is that your contacts probably already have it installed on their devices. However, what might give you pause is the fact that it’s owned by Facebook.\nThis means that you are actually contributing in data collection practices by the social media giant. While Facebook cannot read your messages, they can still log certain data about you for their marketing endeavors. Data like the location of your phone.\n- Your contacts probably already use it.\n- Very secure encryption standard.\n- User-friendly and offers extra features.\n- Owned by Facebook.\n- Has experienced major breach.\nNumber of Users: 200 million\nTelegram is a hugely popular platform if you are looking to have heavily-encrypted convos. End-to-end encryption is used also for group chats or voice call – though, only if everyone involved has Telegram. Apart from this, you can self-destruct messages, files, videos long after they have been sent or received.\nAnd if you are looking for that extra bit of security, you can force the other side to delete the conversation and messages by turning on the secret chat option. However, some of these features depend on the type of device you use – and can be utilized only from a specific device.\nBut, if your device is secure, don’t worry about your secret chats.\n- Offers all the key IM features.\n- Polished and intuitive interface.\n- End-to-end encryption isn’t default.\n- Uses a proprietary encryption protocol.\n- It’s not an Open Source app.\nNumber of Users: 4.5 million\nThis is another secure messaging app that tries hard to keep your data safe from corporations, governments and cybercriminals. Threema can be used anonymously – which a huge plus, and apart from secure messages, its calls can also be encrypted.\nThe app ensures that no contact details are saved on their servers and all messaging data is deleted after being sent. This makes your files more secure since they remain on your device – and not some third-party server where they can be intercepted.\nAlso, you do not need to use an email to sign in – or any other identifiable information. All in all, a good combo of security and anonymity.\n- Secure connection.\n- Minimum data use.\n- Anonymous messaging.\n- The app is not free of charge and costs USD 2.99.\nNumber of Users: Less than 1 million\nWire ticks some very important boxes in terms of security. It offers end-to-end encryption, complies with the GDPR, its open-source and not obligated to share its data with surveillance services.\nWire uses end-to-end encryption with SRTO and DTLS for calls, while using Proteus for text messages and images. It is completely open source, so users can inspect, verify or even improve on the source code through GitHub.\nHowever, it also collects and stores some user data.\nThe company admitted to keeping records of whom their users contacted – and saving those records in plain text. They also store emails, phone numbers and usernames. But, Wire does not sell analytics or usage data to third parties.\n- Open source.\n- Complies with European Union data laws.\n- Can be used with most internet browsers.\n- Collects some data about their users.\nNumber of Users: Exact number unclear, but the app has between 1 and 5 million downloads\nMost regard Signal as the gold standard of secure messaging apps. Apart from cutting edge encryption, the app is pretty simple with a straightforward interface.\nA particularly interesting feature is the option to replace your default SMS app – since basic text messages are not encrypted. On top of the very tight security, Signal offers video calling, and disappearing messages that vanish after a certain time.\nSignal is the only apps that has its privacy tech always enabled. By default, the system ensures that there is never a risk of sharing moments or sending messages to a non-intended recipient.\n- Open source, industry-leading encryption.\n- Supports disappearing messages.\n- Uses phone’s data connection to void SMS and MSS fees.\n- Somewhat sparse interface.\nWhen WhatsApp came out with the changes to its terms of service, this caused a major backlash from users all over the world. A lot of people interpreted this move as an unwelcome shift in the company’s data-sharing practices.\nThey believe that WhatsApp – and Facebook in turn, will now be able to read their messages and access their personal data. This is not quite true.\nFurther loss of user trust was caused by Elon Musk, who immediately suggested that people move to Signal instead.\nEven though, WhatsApp officially rushed to assure its users that the upcoming changes are minor and that the company will not be able to read messages, confidence in the app is very low.\nBut the funny thing about trust is that, while a single sentence can definitely destroy it, rebuilding it takes more than a nice statement or well-worded press release.\nAnd if you and your team are on a quest to find more secure messaging apps, we hope this article was useful and beneficial in your search.", "label": "No"}
{"text": "After more than four years mapping Earth’s gravity with unrivalled precision, ESA’s GOCE mission will soon be over: In mid-October, the mission will come to a natural end when it runs out of fuel and the satellite begins its descent towards Earth from a height of about 224 km.\nThe satellite’s final days will be closely monitored by the mission control team at ESOC, ESA’s operations centre, Darmstadt, Germany.\nBelow, Spacecraft Operations Manager Christoph Steiger has provided an update on estimates of the craft’s final fuel run-out date.\nGOCE is indeed not far from running out of fuel for its ion propulsion system. We expect to deplete fuel between now and end of October, probably in about two weeks from now.\nWe don’t have a more precise date due to uncertainties in\n- Estimating the amount of fuel left\n- The behaviour of the ion propulsion system once the tank starts getting empty\n- The highly variable level of solar activity (impacting the atmospheric drag and hence the fuel consumption).\nOnce GOCE has run out of fuel, the orbit will start decaying. It will take about two to three weeks before the spacecraft re-enters the Earth’s atmosphere.\nWe will initially keep operating the spacecraft, switching it off when its subsystems stop working due to the harsh environmental conditions at lower altitudes. This marks the end of activities for the GOCE flight control team.\nThe descent and the final re-entry will be monitored closely by ESA’s Space Debris Office, in the frame of an international campaign of the Inter-Agency Space Debris Coordination Committee (IADC).\nWe have collected a wealth of science data over the last 4.5 years. GOCE has lasted much longer than the originally planned 20 months thanks to the low solar activity in the last few years. To get even more precise gravity measurements, in its last year of life, the orbit of GOCE was lowered from 255 km down to an extremely low altitude of only 224 km. The results are fantastic – we have obtained the most accurate gravity data ever available to scientists.\nPersonally, I feel sorry to see GOCE, a project on which I have spent seven intense years, come to end. Then again, it is also a good feeling to know that we have really gotten the most out of this mission before its natural end – much more than what we could have hoped for.\n— Christoph Steiger", "label": "No"}
{"text": "Only 9% of the world’s plastic is recycled\nMost of the plastic waste that reaches the ocean comes from Asia\nIN A paper published last year in Science Advances, Roland Geyer of the University of California, Santa Barbara, and his colleagues put the cumulative amount of solid plastic waste produced since the 1950s that has not been burned or recycled at 4.9bn tonnes. It could all have been dumped in a landfill 70 metres deep and 57 square kilometres in area—roughly the size of Manhattan—if only it had remained on land.\nUnfortunately, much of the world’s plastic has ended up in the ocean, where, dispersed by currents, the stuff becomes virtually irretrievable, especially once it has fragmented into microplastics. Computer models suggest that seas hold as many as 51trn microplastic particles. Some are the product of larger pieces breaking apart; others, like microbeads added to toothpaste or face scrubs, were designed to be tiny.\nEven if the flow of plastic into the sea, totalling perhaps 10m tonnes a year, were instantly stanched, huge quantities would remain. But humans will not stop littering the oceans anytime soon. Most of the plastic in the seas today comes not from tidy Europe and America, but from countries in fast-developing East Asia, where waste-collection systems are flawed or non-existent. Last October scientists at the Helmholtz Centre for Environmental Research, in Germany, found that ten rivers—two in Africa and the rest in Asia—discharge 90% of all plastic marine debris. The Yangtze alone carries 1.5m tonnes a year.\nRead more in The known unknowns of plastic pollution.\nCorrection (March 12th 2018): The headline of this piece previously stated that only 7% of the world’s plastic is recycled. The correct figure is 9%. Sorry.", "label": "No"}
{"text": "Various (integer) linear modeling tricks\nThis article was originally posted to the AIMMS Tech Blog.\nModeling problems with an (integer) linear program sometimes requires some experience to recognize certain structures in the problem description that can be formulated in a linear way.\nOn the website of the Naval Postgraduate School, you can find the document\nFormulating Integer Linear Programs: A Rogues’ Gallery that tries to demystify the art of formulating linear and integer linear programs. They do this by introducing formulettes, which consist of a verbal description and the constraints and variables that model this verbal description.\nThe first simple example of a formulette they provide is the following:\nFor each unit of \\(X_1\\) , there must be at least 5 units of \\(X_2\\)\nwhich can be modeled with\n\\(5X_1 \\le X_2\\)\nThe document contains a lot more of such formulettes of varying complexity.\nFurthermore, in our book\nOptimization Modeling you can also find various modeling tricks in the chapters\nLinear Programming Tricks and\nInteger Programming Tricks. The Optimization Modeling book can either be found online via the link above, or you can find it under the Help menu after you started AIMMS.", "label": "No"}
{"text": "Hilário Franco Júnior\nThe close observation of a Brazilian popular pamphlet from the mid-20th century unveils mythic themes that cannot be credited to the Portuguese colonizers. In searching for its origins, the so-called regressive historiographic method allows us to identify five cultural layers whose features are interweaved in the text. At its deepest level lie unsounded medieval roots that permeated the Brazilian Northeast during the Dutch occupation. With these new colonizers came the mythical-literary motifs of the land of Cockaigne, whose dreamlike and cathartic function endured in that region of archaic features, later to be glossed by popular poets.\nLiteratura de cordel, string literature; archaism; escapism; Cockaigne\nHilário Franco Junior. “The Medieval Brazil of Sertão: The Escapist Utopia of the Country of Saint Saruê” Práticas da História, Journal on Theory, Historiography and Uses of the Past, n.º 10 (2020): 15-44.", "label": "No"}
{"text": "Enter a grandparent's name to get started.\nThe Social Security Death Index provides birth date, death date, last known residence, and where the last payment was sent for persons who received benefits from the Social Security Administration. Approximately 98% of the people in this index died after 1962; the earliest date died in 1937. Those who held social security numbers but did not receive benefits or whose death was not reported to the administration, will not be listed. This index will help you pinpoint the date an ancestor died or at least narrow it to a month and year, making it easier to obtain the right death certificate from a county or state record office.\nThe Social Security Administration has a microfilmed copy of every individual’s Social Security application (Form SS-5), as well as claim files. These documents contain information not given in the index, including: Full name at birth, mailing address, age at last birthday, date of birth, place of birth, father’s full name, mother’s full name, sex, race, employer’s name and address, and date signed. Copies of Form SS-5 can be obtained from the Social Security Administration.\nThe Social Security Administration did not begin keeping records until November 1936. Many numident records of older individuals, primarily those born in 1910 or earlier, are abbreviated records that do not contain the names of the individual’s parents and may not contain the place of birth. Their records do not contain anyone born before 1865.\nSearch the Social Security Death Index\nThe Social Security Death Index appears online at several locations. We’ve ranked the websites (1 being the best) below in order of accessibility, meaning, if they’re free or paid, and if you can access them without having first to register, and how quickly they update their data.\n- Fold3 Social Security Death Index\nHosted at Fold3, this database is updated monthly, is completely free, and requires no registration to view the records. They have also created memorials around these records, and users of Fold3 may have added additional information about the individual.\n- United States Social Security Death Index\nHosted at Family Search, the genealogy site of the Church of Latter Day Saints, this database is updated on a monthly basis, is completely free, and requires no registration to view the records.\n- Ancestry’s Social Security Death Index\nAncestry now hides their Social Security Index behind a paid wall. Users of Family Tree Maker or Ancestry’s Online Family Trees should use this if they’re paid members, due to its simplicity in adding records to your family tree.", "label": "No"}
{"text": "Nitrogen-Fixing Trees Help Tropical Forests Make a Comeback\nNitrogen fixing trees can help tropical forests make a comeback, a new study has found. Researchers say that some species of trees can restore lost nutrients in deforested areas, helping other trees to grow.\nThe study was conducted by researchers at Smithsonian Tropical Research Institute and their colleagues at Princeton University, Wageningen University, the University of Copenhagen and Yale University. Their field study in Panama showed that denuded forests were efficiently restored in a few years, mostly with the help of leguminous plants that fix atmospheric nitrogen and pump it into the soil.\nThe tracts of land studied in the research were parts of a tropical forest in Panama and had been used for agriculture from five to 300 years ago. Researchers found that nitrogen-fixing trees helped secure a large amount of carbon in just 12 years. In just about a decade, the new forests had accumulated 40 percent of carbon found in old, mature tropical forests. Legume trees contributed to nearly half of the carbon \"sink\".\n\"This is the first solid case showing how nitrogen fixation by tropical trees directly affects the rate of carbon recovery after agricultural fields are abandoned. Trees turn nitrogen fixation on and off according to the need for nitrogen in the system,\" Jefferson Hall, STRI staff scientist and one of the study authors, said in a news release.\nThe study showed that legume trees accumulated carbon nine times faster than non nitrogen-fixers during the early stages of forests' comeback. These trees even provided enough nitrogen for other trees to grow.\nThe legume trees' secret lies in their relationship with a kind of bacteria known as rhizobia, which help the trees fix nitrogen. Tropical forest soil is often low in nitrogen, according to a news release from the Princeton University.\nLeguminous trees are essential for a forests' recovery and so their loss could lead to long-term problems for many species of trees, researchers said.\n\"Diversity really matters. Each tree species fixes nitrogen and carbon differently so species important at 12 years drop out or become less common at 30 years. You can really see how different players contribute to the development of a mature tropical forest and the ecosystem services it provides,\" said Sarah Batterman, first author of the study.\nThe study is published in the journal Nature.", "label": "No"}
{"text": "Exhibition of Samuel Doe's Body During the Civil War in Liberia\nLiberian soldiers display the dead body of President Samuel Doe during the Liberian Civil War. Prince Yormie Johnson, leader of the Independent National Patriotic Front of Liberia (INPFL), tortured and murdered Doe after his capture by peacekeeping forces.\nContent available for editorial use, pre-approval required for all other uses.\nThis content may not be materially modified or used in composite content.\nUncompressed file sizes and pixel dimensions are approximate. Grayscale images are 1/3 the file size of RGB files. Files downloaded directly from the website are compressed JPEG format. You may request a TIFF file, if available, or a larger interpolated size for your output needs. Please contact Customer Service for associated production fees.", "label": "No"}
{"text": "There are several reasons you may need to melt honey. Fresh, raw honey has a thick consistency, but melting it can make the honey thinner and easier to use. Old honey crystallizes and becomes grainy, but melting it can remove those crystals and return it to a more palatable texture. There may also be times when you simply need to thin honey out to a more workable consistency without changing its chemical composition.\nChoose a Method\nThings You'll Need\n- Glass jar\n- Deep saucepan\n- Microwave-safe container\n- Airtight container\nThinning It Out\n- Bowl or dish\n- Airtight container\n1Spoon the honey into a glass jar. Transfer all the honey you want to melt into a tall, room temperature glass jar with a lid. Loosely cover the jar.\n- A glass jar is the ideal container since the glass can withstand hot temperatures while also allowing that heat to be transferred to the honey inside.\n- Make sure that the jar you use is room temperature, though, and not cold. Glass can shatter under extreme changes in temperature.\n- Using a lid will help prevent water from accidentally getting inside the jar and into the honey. A lid is not strictly necessary, though, especially if the jar is fairly tall.\n2Boil a saucepan of water. Fill a deep saucepan roughly halfway with water. Place this saucepan on the stove over high heat, keeping it there until it reaches a rolling boil.\n- Before boiling the water, make sure that you have enough water in your saucepan to melt the honey. Place the jar inside the saucepan and check the water level. The level of water should approximately match the level of honey inside the jar.\n3Remove the pan from the heat. After the water reaches a steady boil, remove it from the stove and set it down on a heat-resistant surface.\n- Alternatively, you can keep the water on the stove and reduce the heat to low. Before placing the jar of honey in the water, though, you need to make sure that all simmering stops. Hot temperatures will not make the honey inedible, but temperatures above 110 degrees Fahrenheit (38 degrees Celsius) can destroy some of the beneficial health properties of the honey.\n4Lower the honey into the water. Sit the jar of honey directly on the bottom of the pan so that it is now surrounded on all sides by hot water.\n- If you are using a lid, make sure that the lid is on very loose. You want to prevent water from getting inside while allowing air to escape. If you tighten the lid too much, pressure could build up inside of the jar and cause the glass to crack.\n5Stir the honey. Periodically remove the lid and stir the honey while the jar is still sitting inside the hot water. This can help the honey melt more evenly and at a quicker pace.\n- Continue doing this until the honey melts. If you are trying to melt crystallized granules out, keep at it until you no longer see any crystals left. If you are trying to melt thick, raw honey, continue melting it in the hot water until it thins to the consistency of store-bought honey.\n- This process can take a long time depending on how much honey you have. Expect to wait anywhere from 20 to 60 minutes.\n6Store at room temperature. When done, remove the jar from the water and dry it off with a clean dish towel. Tighten the lid on securely and store the honey at room temperature until you are ready to use it.\n- The ideal storage temperature is 50 to 70 degrees Fahrenheit (10 to 21 degrees Celsius). At colder temperatures, the honey will begin to crystallize. You should also keep the honey away from hot, moist conditions for similar reasons.\n- Make sure that the lid is airtight. Otherwise, the honey can lose moisture and start to crystallize again.\n1Place the honey in a microwave-safe container. A thick glass container, like a glass canning jar, is usually a safe choice. Spoon the honey you need to melt into the container.\n- It is best to check the container to verify that it is microwave-safe before using it. Typically, this information is labeled on the bottom of the container.\n- Never use a metal container.\n- Plastic containers are debatable. Many are marked as being microwave-safe, but there is some evidence that chemicals from plastic can leech into the contents of the container when heated.\n2Microwave on medium power. Place the container of honey in your microwave. Set the power to 50 percent, then microwave the honey for 30 to 40 seconds.\n- The exact amount of time can vary based on how powerful your microwave is and how much honey you have inside the container.\n- Keep an eye on the honey as it melts inside the microwave. If it appears fully melted before the full amount of time passes, stop the microwave and remove the container.\n3Stir the honey. Carefully remove the container of honey from the microwave. Stir the honey with a spoon to distribute the heat. If some of the honey has not yet melted, return the container to the microwave and heat for another 20 seconds at medium power.\n- Repeat this process as needed. Heat the honey in 20-second intervals at 50-percent power, stirring after each interval, until the honey melts.\n- If you are trying to decrystallize honey, stop heating it once you can no longer spot any crystals. If you only want to melt honey to a thinner consistency, simply stop heating it once it has become thin enough for your liking.\n4Store melted honey at room temperature. Pour the melted honey into an airtight storage container. Store that container in a dry, room temperature location until you need to use the honey.\n- The ideal temperature range is between 50 and 70 degrees Fahrenheit (10 and 21 degrees Celsius). Colder and hotter temperatures can speed up the crystallization process. Moist conditions should also be avoided.\n- The container must be an airtight one if you want to prevent moisture loss and crystallization.\nThinning It Out\n1Mix a little water into the honey. Spoon some honey into a small jar or dish. Add fresh water to the honey, 1 Tbsp (15 ml) at a time, mixing after each addition. Continue until the honey reaches your desired consistency.\n- No heat is required for this method.\n- Since you aren't actually melting the honey in this process, you cannot use this method to decrystallize hardened honey.\n- In addition to thinning out the honey, water will also dilute the taste.\n- The exact amount of water you need will depend on how thin you want the honey to be and how strong you want the flavor to remain. Typically, though, you will not want to exceed a ratio of equal parts honey to water.\n2Store in the refrigerator. While undiluted honey is best stored at room temperature, a honey syrup like this is best stored in the refrigerator. This thinned out honey will only last for about three weeks, though.\n- After three weeks pass, the honey will start to lose its flavor and may show signs of crystallizing.\n- Store this thin honey syrup in an airtight container to prevent moisture loss.\nSources and Citations\n- ↑ http://suebee.com/frequently-asked-questions/#microwave\n- ↑ http://www.realfoodrn.com/how-to-melt-raw-honey/\n- ↑ http://www.spiciefoodie.com/2012/03/14/kitchen-know-how-how-to-decrystallize-honey/\n- ↑ http://www.vintageamanda.com/2010/05/how-to-soften-hard-honey-vintage-vs-modern/\n- ↑ http://everydayroots.com/honey-hair-treatment\n- ↑ https://imbibemagazine.com/Elements-Honey\nIn other languages:\nDeutsch: Honig schmelzen, Italiano: Fondere il Miele, Français: faire fondre du miel, Português: Derreter Mel, Español: derretir miel, Русский: можно растопить мед, Bahasa Indonesia: Mengencerkan Madu\nThanks to all authors for creating a page that has been read 50,330 times.", "label": "No"}
{"text": "Zobacz katalogi, do których należy ta pozycja:Orient, Afryka, Ameryki | Literaturoznawstwo | Historia | Socjologia i Antropologia\nEdited by B. Stoler Miller\nThe Project on Asia in the Core Curriculum began in 1984 to support the introduction of material on Asia into the core curricula of undergraduate institutions throughout the country. Three \"Guides for Teaching\" are the result of dialogue between Asian specialists and colleagues specializing in the Western tradition who most often teach the introductory, general education courses in the various academic isciplines. There was no attempt to stress Asia at the expense of the West. The purpose was to identify texts, themes, and comparative concepts that would provide avenues of entry for Asian material into core courses in literature, history, and the social sciences. The guides are entitled: Asia in Western and World History, Masterworks of Asian Literature in Comparative Perspective, and Asia: Case Studies in the Social Sciences. Each volume contains approximately forty essays by leading specialists that suggest a range of possibilities for introducing material on Asia. The essays are arranged to provide the widest choice of approaches to meet the reader's pedagogical needs. While the guides are discrete publications, they form a series that facilitates interdisciplinary teaching: An instructor who chooses, for example, to draw upon William Hauser's discussion of Tokugawa Japan in world history in this volume will also find material of interest in Donald Keene's essay on Chikamatsu's \"Love Suicides at Sonezaki\" (in\nMasterworks of Asian Literature in Comparative Perspective), in William W. Kelly's article on \"Rural Society in Japan: Past and Present,\" in Theodore Bestor's discussion of \"Urban Life in Japan,\" and in Stephen R. Smith's essay on \"The Family in Japan\" (in Asian Case Studies in the Social Sciences).", "label": "No"}
{"text": "Algae removal poses one serious challenge for any solids separation process. Traditionally, most solids separation processes are being done by separation that is dependent on the density difference between the water and the particles. Since algae are generally small and have low density difference from the water, gravity separation is relatively less efficient when considering algae separation process. Therefore, algae removal is typically being done by using high velocity centrifuges or by Dissolved Air flotation (DAF). However, these processes are expensive and consume large amount of energy.\nDue to the Natica’s unique structure, it can remove a wide range of suspended solids as small as 2 microns from water with dirt load of up to 4000 PPM of TSS.", "label": "No"}
{"text": "- Family and Parenting»\n- Parenting Skills, Styles & Advice\nHow to Comfort a Grieving Child who has Lost a Parent\nComfort A Grieving Child\nA child who has recently suffered a profound loss may have a great deal of difficulty fully grasping the concept and dealing with the realities they now face. To comfort a grieving child, we need an understanding of their feelings of anxiousness and possibly hopelessness. These feelings are far more intense than they have ever experienced before and it may take time for them to be able to express themselves.\nA younger child (age 5 and under) may have only a vague concept of death, may regress to younger behaviors and feel anxious and clingy. An older child can understand more clearly and may even take on responsibility for a loved ones death. They too will experience heightened anxiety and may be unwilling to speak about the death.\nAdditionally, a grieving child may have a physical response to a death. Nightmares, headaches and stomachaches / nausea are common.\nHow To Comfort a Grieving Child and What to Avoid\nChildren need to grieve just like adults do. Their process may be a bit different, depending on their age, but it will be a long process just the same.\nUnderstand that there is nothing you can do to fix their problem. There is no quick solution. There are no magic words that will make them feel better. All you can do is support them while they are learning to cope.\nWhat you can do to comfort a grieving child:\n- Acknowledge their pain.\n- Actively listen and respond to them without judgement.\n- If they don't want to talk, be comfortable with the silence.\n- Relieve their anxiety. If you are close to the child, stay physically close. Reassure them of your love for them.\n- Speak as openly as you can about what happened.\n- Allow them to talk about the deceased. Share memories\nBe honest. If you don't know the answer to their question tell them.\nGrieving is a long process. Be patient. Be available. And be sensitive to the emotional roller-coaster ride that a grieving child may be experiencing.\nWhat not to say to a grieving child:\nAvoid cliches. \"Time heals all wounds\" will mean nothing to them and it is not honest. Their grieving will end eventually, but some wounds, unfortunately never fully heal. \"Don't feel bad,\" and \"Don't dwell on it,\" are to be avoided as well. If they feel bad, they need to feel bad and its okay. If they feel numb that's okay too. They are entitled to their feelings, whatever they are. And they can dwell on them if they need to.\nThe Mourning Star Center: Comforting a Grieving Child\nWhere to Find Help to Comfort a Grieving Child\nA site for kids by kids, KidsAid helps children deal with grief and loss. There is an email support group, a question and answer section for parents and a section for children to share and view each others artwork and stories.\nThis is an informational site to aid in understanding the grieving process of children and teenagers.\nChildren's Grief Education Association- This site contains 800 numbers for emergency use. It also has sites specifically for military families, teenagers and children.", "label": "No"}
{"text": "Jeannie Begg was born on 7 October 1886 at Port Chalmers, one of 10 children of Scottish parents Eliza Johnstone and her husband, John Begg, a tanner and rug-maker. Her close-knit Presbyterian family considered her the most dynamic and boisterous of the children (her mother put this down to her having been breast-fed by a local prostitute when her own milk failed). Usually known as Jean, she attended North-East Valley School (1893–99) and Otago Girls’ High School (1900–1904), then enrolled for a BA at the University of Otago.\nIn 1908, one year short of attaining her degree, Begg decided to become a missionary and enrolled at the Presbyterian Women’s Training Institute in Dunedin. In December 1910 she sailed to American Samoa, where she taught at Atauloma Girls’ School and ran a daily health clinic. She quickly had to learn how to deliver babies, working with an obstetrics manual by her side. She earned the love and respect of many Samoans and developed a keen understanding of cultural differences.\nAfter nearly nine years at Atauloma, Begg was impatient for new challenges. Through her contact with Jane Addams of Hull House, a model settlement in the slums of Chicago, she studied at the School of Social Work associated with Columbia University, New York. Supporting herself by working as a waitress, English teacher and factory worker, she also studied sociology at the university. She completed a thesis on Inwood House, a bleak reformatory for delinquent young women, proposing that it be sold and the inmates rehabilitated within the community. She argued that girls should be taught to fight temptation where it occurs – in the community – rather than behind closed doors and walls. To her amazement the board of the house employed her to implement her progressive plan. She also spent time working with women police and probation officers in New York.\nBy 1923 physical exhaustion forced Jean Begg to return to New Zealand. She wrote a report on child welfare for the government, gave evidence to the 1924 Committee of Inquiry into Mental Defectives and Sexual Offenders in New Zealand, and in 1929 was appointed to the Eugenics Board. Generally, she favoured segregation of the mentally ill, but urged that each case be treated individually, and maintained that those who did not display ‘anti-social tendencies’ could, if sterilised, lead useful lives in the community. She also arranged the women’s court at the New Zealand and South Seas International Exhibition in Dunedin in 1925–26.\nIn 1926 Begg was recruited to become general secretary of the Auckland YWCA, beginning a long association with the organisation both within New Zealand and internationally. Building on the work of her predecessor, Jean Stevenson, she transformed the YWCA into a focal point for many Auckland girls. She completed the fund-raising for a large hostel next to Myers Park and was instrumental in the purchase of the Holiday House at Blockhouse Bay, where working girls could vacation by the sea. Her story-telling ability, energy and willingness to treat everyone equally made her popular and even revered by those who came into contact with her.\nA big woman, forthright but good humoured, she was never daunted by the size of any task. By 1928 Begg supervised a paid staff of 13, and the organisation had 150 volunteers and a paid membership of nearly 2,000. She also fostered the formation of women’s sports organisations, working with like-minded women to establish hockey, cricket and athletics clubs in the city and to obtain a sports ground for their use in Remuera.\nJean Begg championed feminist causes and challenged women to become involved in commerce, civic life and politics, chastising them for being ‘apathetic’. She became a vice president of the Auckland branch of the National Council of Women of New Zealand and attended a number of national conferences. In 1930 she led the New Zealand delegation to the Pan-Pacific Women’s Association conference in Honolulu, and on her return home initiated the formation of a New Zealand branch. Although many of her colleagues in women’s organisations were conservative, she was egalitarian in her approach. She believed that as New Zealand was a democratic society ‘anything that tends towards class distinction should be done away with’, and she spoke out against the privilege of private schools.\nIn 1931 Begg left New Zealand to take up the post of YWCA national general secretary for India, Burma and Ceylon (Sri Lanka). She travelled all over her territories and attended an All-India Women’s Conference at which 3,000 women united to oppose child marriage. In 1940 she was recruited by Clementine Churchill to take on the special position of director of the British YWCA’s war services. Her task was to provide recreational facilities for allied servicewomen and nurses serving in the Middle East and North Africa. She eventually developed a network of 65 clubs, stretching from Italy, Egypt, Palestine and Iraq to India, Burma and Japan. With her formidable organisational abilities she requisitioned some of the most luxurious hotels and palaces for YWCA clubs, although no alcohol was served. She recruited many of the women who ran the clubs from the New Zealand YWCA.\nIn 1945 Jean Begg was asked to set up welfare services in Singapore for internees being liberated from Japanese camps. She immediately took over the famed Raffles Hotel – much to the annoyance of some male military officers. In 1946 she turned down the position of national general secretary of the New Zealand YWCA, claiming that she was too old and ‘worn-out’. Instead she went to Japan to rebuild the YWCA there. In the wake of the war there was much anti-Japanese sentiment, but she called on her helpers to treat the Japanese people with respect and fairness. For her war services Begg was appointed an MBE (1943), OBE (1946) and CBE (1948).\nFollowing her time in Japan she spent three years revitalising Helen Graham House, a large YWCA hostel in London with a multinational clientele of over 350. Begg returned to New Zealand in 1952, and two years later was appointed a justice of the peace. She worked first for the YWCA in Hamilton and then as a CORSO organiser in Wellington, retiring in 1956. She had never accumulated wealth, but Bernard Freyberg organised a war pension for her and she was bequeathed a house in Dunedin by her friend Ann Strong, a pioneer of home science in New Zealand. Jean, who never married, lived there with two elder sisters for the rest of her life.\nIn 1967 Jean Begg was delighted when the Auckland YWCA named a hostel for university students after her. Three years later she attended a reunion in her honour in Auckland and went on to Samoa to renew acquaintances there. She died in Dunedin on 15 February 1971. She was accorded a military funeral and her ashes were buried in the soldiers’ cemetery at Andersons Bay, Dunedin.", "label": "No"}
{"text": "Kids play cricket, India’s most popular sport, on the banks of the Ganges River in Kanpur. Although significantly polluted, it is still the life-source for those who live along the river.\nThe Ganges, according to Rakesh Jaiswal of Eco Friends, is forecast to “die” in 30 to 50 years, meaning all available water flow will be allocated to different agricultural and industrial uses. This analysis doesn’t factor in the potentially negative effects of climate change on water sources in the Himalaya.\nThis is the first in a series of images titled “India, Water, and Sustainable Development” that was first published in Consilience: The Journal of Sustainable Development in Spring 2008. Over the next few weeks, I’ll be highlighting the best of these photos.", "label": "No"}
{"text": "I don't know why our poor Semicolon is so misunderstood. Maybe it's because he sometimes gets used in sentences that are long and winding and difficult. But don't worry. I'm here to offer a brief (and simple!) guide to the use of this lovely punctuation mark.\nYou have two independent clauses (complete sentences) that are closely related. They're so closely related that using a period between them would be just a touch too much interruption. Well, use a semicolon instead!\nThese pears are too ripe for me; I like my pears crunchy.\nThe sun is shining; spring has arrived.\nYou have a list of three or more items. At least one item in the list contains commas. To avoid confusion, separate the list items with semicolons (you can think of it as if the higher-level commas are \"graduating\" and need a little hat on them).\nThey asked for apple juice, orange juice, and lemonade; blankets and pillows; and the Netflix password.\nThere is one last commonly accepted way to use a semicolon: When a sentence has a whole lotta commas and the meaning might get confusing, a comma might be graduated to a semicolon for clarity. You'll see it a lot more often in older literature. But please, unless you have mastered the use of the semicolon, pretend this last way to use it does not exist. I have a theory that it's what causes most people's confusion.\nAnd that's it! Semicolon wants to help. Let him.", "label": "No"}
{"text": "Causeway Bay: Heritages in the heart of the city\nAfter more than a century of intense development, Causeway Bay has evolved from a rural village into a world-famous metropolitan area. It is now famous as a shopping and entertainment mecca and commercial hub, but heritage buildings with historic value still remain, including Christ the King Chapel and the Tin Hau Temple, demonstrating the unique historical landscape of Causeway Bay.\nDespite the fact that many of Causeway Bay’s older landmarks have disappeared over the years in the face of rapid development, the street names hint at the area’s history. Matheson Street, Yee Wo Street and Jardine’s Crescent recall Causeway Bay’s relationship with Jardine Matheson, one of the earliest and most influential companies in Hong Kong’s history. As it expanded, the group bought large pieces of land in Causeway Bay to build warehouses and factories. Names such as Sugar Street and Cotton Path are remnants of the days when these addresses were home to a sugar refinery and a cotton mill.\nCauseway Bay saw an influx of Japanese department stores in the 1960s, which changed the cultural landscape of the area. Although many of these department stores have since closed, the name of one of the most famous, Daimaru, is still in use as a terminus name for minibus routes to Causeway Bay.", "label": "No"}
{"text": "- A study conducted by scientists from Malaysia and England looked at biodiversity in untouched and human-altered habitats on the island of Borneo.\n- When the researchers looked at large areas, the biodiversity of big mammals in logged forests closely matched what they found in old-growth rainforest.\n- They concluded that logged forests have substantial value in supporting biodiversity, and these areas should figure into conservation plans.\nEcologists have struggled to peg a value to logged forests for the plants and animals that call them home. They know, for example, that these altered landscapes don’t offer the rich habitats that old-growth forests do, but just how drastically and to what degree has remained a mystery.\nNow, a study of mammal biodiversity in Malaysian rainforests published July in the journal Ecological Applications has added to our understanding of what’s happening when we thin a forest. And the conclusions reveal that we might not be giving these areas the credit they deserve.\n“We still have a poor idea about the actual mechanisms of biodiversity change in logged forest,” said Oliver Wearn, an ecologist at Imperial College London and the Zoological Society of London and the lead author of the paper. “Is it due to changes in habitat, in resources, or something else?”\nTo learn more about how forest life responds to logging, Wearn and a team of scientists from England and Malaysia set off into the virgin rainforests, logged forests and oil palm plantations of Malaysian Borneo to see how many mammal species they could find in each of the three habitats. They installed camera traps to count the larger mammals and set live traps to get an idea of what small mammals were living in the different areas.\nIt’s a fairly common approach to studying human influences on biodiversity, but they also took their work a step further.\n“Typically just the number of species is studied, which misses half the story,” Wearn said in an email to Mongabay.\nTo uncover the other half, Wearn’s team also compared the variety in the species they found at the different locations – that is, how the breakdown of different mammal species changed from one place to another. Ecologists call this type of measurement “beta-diversity.”\n“Beta-diversity is really important because it can tell us something about the fundamental processes which generate biodiversity, and if they’re changing due to disturbance” to the forest habitat, Wearn explained. “It’s also really important to think about when we’re designing wildlife reserves.”\nIn the small, localized areas that had been logged, they found fewer big mammals than they did in old-growth rainforest. They anticipated this difference, as presumably the pared-down habitat is not as rich, as they did the drop-off they witnessed on oil palm plantations.\nWhat was interesting is that they found a wider variety when they compared the communities of mammals found at different points in these logged areas than they did in old-growth forests. In other words, the beta-diversity of the logged forest was higher, at least when viewed at this smaller scale.\nWearn attributes this variability in logged forest to the hodge-podge of habitats that selective logging can create. That variation led to more eclectic groupings of mammals species.\n“We don’t yet know what effects this might have in the long term, but it may mean we need to think carefully about how we manage these areas,” he said. “We also need to account for this when we’re thinking about how to arrange wildlife reserves.”\nThen, when the team zoomed out and looked at these patchwork areas of habitat on a broader scale, the biodiversity variability values from the logged began to coincide with those from old-growth forests, each having around the same numbers of large mammal species.\nThat discovery led Wearn and his colleagues to postulate that, to protect the diversity of large animals, the specific location that’s protected in some way – whether through a formal protected area or through a mechanism like a high-conservation-value set-aside that’s part of an agricultural plantation – is less important than just having an area large enough to capture the diversity present in all of these smaller mammal communities. He said he hopes that future research will investigate this question in depth.\nIt also changes the way we should view logged forest, Wearn said.\n“So-called ‘degraded’ forest is actually really valuable for biodiversity conservation,” he said, though he added that we don’t need to create more degraded forest.\n“This doesn’t mean we are advocating new logging,” Wearn said. A lot of forested land globally has been touched by logging, and few places is that truer than the island of Borneo. A 2013 study figured that 80 percent had been logged in some way by 2009.\nBut that doesn’t mean they’re worthless, Wearn cautioned.\n“If they’re properly managed – using sustainable logging techniques and by strictly controlling hunting – then these areas could continue to safeguard biodiversity and generate revenue from timber for years to come,” he said.\n“If [forests are] converted to oil palm plantations, then these benefits are permanently lost.”\n- Bryan, J. E., Shearman, P. L., Asner, G. P., Knapp, D. E., Aoro, G. and Lokes, B. (2013) Extreme Differences in Forest Degradation in Borneo: Comparing Practices in Sarawak, Sabah, and Brunei. PLOS ONE.\n- Wearn, O. R., Carbone, C., Rowcliffe, J. M., Bernard, H. and Ewers, R. M. (2016) Grain-dependent responses of mammalian diversity to land use and the implications for conservation set-aside. Ecological Applications.", "label": "No"}
{"text": "Maternal and Child Health Mortality\nMATERNAL AND CHILD HEALTH MORTALITY CHALLENGE\nIn Nigeria, 54,000 women and girls die each year due to pregnancy-related complications. Numerous studies have identified several factors that are responsible for the high rate of maternal and child health mortality.\nThese include illiteracy, malnutrition, poor hygiene, poor access to quality health facilities and services, poor family planning and childhood diseases such as malaria, cholera, and diarrhea. According to UNICEF, Nigeria loses about 2,300 children under the age of 5 and 145 women of childbearing age daily.\nThese statistics are with rural and peri-urban areas accounting for over 70% of these numbers, making Nigeria the second largest contributor to maternal and child mortality in the world. Uninformed health behavior of women and use of untrained, unorthodox birth attendants contributes immensely to these rates.\nOUR SOLUTION TO MATERNITY & CHILD HEALTH MORTALITY\nWe have continued to train Traditional Birth Attendants (TBAs) across Lagos and Ogun state on best practices to deliver quality healthcare services to pregnant women.\nBCHDI has implemented numerous PMTCT projects focused on reducing the percentage incidence of mothers to newborn HIV transmission.\nWe want to effectively address maternal and child mortality in Nigeria by creating a linkage system between health workers and pregnant women in rural areas through technology based projects.\nWe will increase awareness among policy decision-makers about affordable, feasible, and scalable primary healthcare interventions to improve maternal and child health mortality delivery and outcomes.\nMonitor the nutritional status of the mother and child\nProvide ongoing counseling and educational support", "label": "No"}
{"text": "If you often read food labels, chances are you have come across the ingredient maltodextrin many times.\nIt’s an incredibly common additive, and studies have found that approximately 60% of all packaged foods contain it (1).\nMaltodextrin is made from starch and used for many reasons, mainly as a filler ingredient, a thickener or a preservative to extend shelf life.\nYet despite being labeled as safe by the FDA, maltodextrin is highly controversial. This article examines if it’s bad for your health and whether you should avoid it.\nWhat Is Maltodextrin?\nMaltodextrin is an artificial carb made from starch.\nIn the US, most maltodextrin is made from corn or potato starch, but some countries use rice or wheat starch. This often creates controversy, as 90% of corn in the US is genetically modified (2).\nThe starch goes through a process called partial hydrolysis, where water and enzymes are added to partly digest the starch. It’s then refined and dried to produce a fine white powder with a neutral or slightly sweet taste (3).\nMaltodextrin is used as a food additive in many processed goods to create bulk, enhance texture and extend shelf life.\nSome products that contain maltodextrin include:\n- Instant puddings\n- Low-fat yogurt\n- Sports drinks\n- Infant products\n- Salad dressings\n- Laundry detergent\nAnother kind of maltodextrin is resistant maltodextrin. Unlike regular maltodextrin, resistant maltodextrin is a type of artificial soluble fiber.\nThis article will only focus on regular maltodextrin, the common food additive.\nSummary: Maltodextrin is an artificial carbohydrate made by processing starch into a fine white powder. It’s commonly used as an additive.\nWhy Do Manufacturers Use It?\nMaltodextrin is versatile and cheap, which makes it appealing for manufacturers.\nSome uses for maltodextrin include:\n- Filler: As an ingredient in foods, it adds bulk without affecting taste. For example, the sweetener Splenda uses maltodextrin to add bulk and dilute the sweetness of its artificial sweetener sucralose, which is 600 times sweeter than sugar.\n- Thickening agent: In products like low-fat yogurt, instant pudding, sauces, salad dressing and jelly, maltodextrin retains the thickening properties of starch.\n- Improving mouthfeel: Maltodextrin is added to certain beers to improve body and smoothness without compromising taste or adding extra ingredients like alcohol or yeast.\n- Binding agent: It is commonly used in pharmaceuticals to form tablets and pills.\n- Preservative: Maltodextrin is used to extend shelf life, particularly in many infant formulas. It also dissolves easily without forming lumps, making it an ideal source of carbs.\n- Creating a smooth texture: It can be found in many lotions and creams.\nSummary: Maltodextrin is versatile. It’s most common uses are as a thickener, filler ingredient and preservative.\nIt May Have Benefits for Athletes\nMany athletes seek ways to improve performance.\nSupplements like sports drinks and energy gels are popular choices to help athletes train longer and recover from training sessions.\nMaltodextrin is a common carb source in these supplements because it’s easily digested and absorbed by the body.\nDuring exercise, the body breaks down its reserves of stored energy called glycogen into a usable form called glucose, also known as sugar.\nEndurance athletes can deplete their stores of glycogen during intense training or competitions, so carb supplements replenish these stores and help the athlete train for longer (4).\nFor example, a study of eight healthy male cyclists compared the effects of taking a placebo versus a maltodextrin supplement on cycling performance.\nThey found that cyclists improved their average time to complete all laps by 26 seconds when taking the maltodextrin supplement, compared to the placebo (9).\nMaltodextrin may also benefit resistance training athletes, as several studies show that consuming carbs like maltodextrin after training can help replenish the glycogen stores depleted during exercise (10, 11, 12).\nSummary: Maltodextrin is a great source of easily absorbed carbs and can help improve performance and recovery in both endurance and resistance training.\nIt Has No Nutritional Value\nAlthough maltodextrin has a use in sports, it’s a poor source of nutrients.\nOne teaspoon of maltodextrin is similar to sugar and contains 12 calories, 3.8 grams of carbs and almost no vitamins or minerals.\nStarches are generally low in nutrients, but the processing required to make maltodextrin reduces its nutritional content even further.\nAthletes may find its effect on performance and recovery outweighs its poor nutrient content, but for the average person, it provides no benefit.\nIt may also lead to excess weight gain if consumed without enough exercise, as it can easily add empty calories.\nSummary: Maltodextrin has virtually no nutrients besides carbs and is a source of empty calories.\nIt Has a High Glycemic Index\nThe glycemic index (GI) is a measure of how quickly foods raise blood sugar levels.\nLow-GI foods have a GI value under 55, while medium-GI foods are between 51–69 and high-GI foods are over 70.\nHigh-GI foods raise blood sugar quickly because they contain sugars that are easily absorbed by the gut.\nMaltodextrin has an exceptionally high GI that ranges from 85 to 135, as it is highly processed and easily digested.\nAthletes can tolerate high-GI foods like maltodextrin around exercise times since exercise makes the body more efficient at using and removing excess sugar for storage (14).\nHowever, the average person can struggle to process the spikes in sugar from high-GI foods, which can have negative effects on overall health.\nSummary: Maltodextrin has an incredibly high GI that ranges from 85 to 135. High-GI foods are linked with obesity and many other diseases.\nIt May Harm Gut Health\nDid you know there are over 100 trillion helpful bacteria living in your lower gut? Known as your gut microbiota, they are incredibly important to your health.\nSeveral studies on animals and humans with digestive diseases have found that a diet rich in maltodextrin may change the composition of the gut bacteria, making the body more susceptible to infections and disease (1, 26, 27, 28).\nIn one study, researchers found that exposing human intestinal cells to maltodextrin helped harmful bacteria like E.coli grow and develop features that damage the gut environment (28).\nAnother study found that exposing the intestinal cells of mice to maltodextrin decreased their antibacterial response, making them an easier target for Salmonella invasion (29).\nAlthough several studies have discovered a link between maltodextrin and a higher risk of bacterial infection, more human-based studies in healthy individuals are needed to better understand how significant this link really is.\nSummary: A high intake of maltodextrin may encourage the growth of harmful bacteria in the lower gut, increasing the risk of bacterial infection.\nSome People May Experience Side Effects\nAlthough there are no published studies linking maltodextrin to serious negative health effects, some people report side effects.\n- Upset stomach\n- Hives or rashes\nMost reported side effects are similar to carb intolerance or malabsorption, so if you have either of these, then it’s best to avoid maltodextrin.\nFor most people, maltodextrin is considered safe and is FDA approved.\nIf you experience any allergic reactions or side effects after eating foods containing maltodextrin or taking supplements, you should stop immediately.\nSummary: Maltodextrin is generally safe to eat, but if you suffer from a carb intolerance or malabsorption, it’s best to avoid it.\nThe Bottom Line\nMaltodextrin from foods likely won’t have any negative effects. It’s widely used, and there have been no published studies linking it with serious side effects.\nAs a supplement, it only seems beneficial for athletes around exercise. It provides the average person no benefits and is low in nutrients.\nPeople who should avoid maltodextrin are those at risk of or who currently have type 2 diabetes or insulin resistance, as it can dramatically spike blood sugar.", "label": "No"}
{"text": "As part of a digital citizenship unit I do in my classes, I show a documentary called Digital Nation. It is a 2010 Front Line production that takes a look at the new “connected generation” and how they are faring in this new wired world.\nA sign of the times, the February 2, 2010 production is only 5 years old, but it already looks dated. What is interesting however, is that the questions and the concerns this documentary posed in 2010, are still fresh and relevant today. We don’t seem to be working through the issues that the digital era has placed before us, yet advancements in technology soldier on. An ever-widening gap has developed between what we understand about technology and the technology itself, but I wondered if this is just a gap my generation just can’t traverse?\nSome of the things we worry about and posed in this documentary include:\n- Digital addiction\n- Myth of multitasking\n- Short attention spans\n- Inability to think clearly\n- Poor analytical thinking\n- Disconnect between real and online worlds\nEven as someone who endorses and supports the use of technology, I have my concerns about theses things. As a teacher I see unhealthy behaviors around the use of technology all the time and it isn’t just with the students. The funny thing is, there can be quite the double standard when it comes to tech and who is using it. One minute I can hear an adult complaining about kids and their dependence and misuse, the next minute that same adult is doing the very thing they were complaining about the kid doing.\nTo get a bit of a measure on what kids thought about their own use of technology in school, I did a bit of a survey after watching Digital Nation. I should have actually given the survey before and after to see if the documentary had some effect on the way they thought about their relationship with technology, but the post view survey yielded some interesting results just the same.\nJust so everyone realizes that I realize the survey is not scientifically valid. I declare the data unscientific! Just fun to look at.\nFirst concern any of us have about our digital device use is how much time we spend on these things, so the first question I asked was how much time do you THINK you are spending on a digital device over the course of a week. I thought the responses were quite reasonable until I referenced a recent study of college students published in the Journal of Behavioral Addictions. It was concluded that.\n…college students spent nearly nine hours daily on their cell-phones. As the functionality of cell-phones continues to expand, addiction to this seemingly indispensable piece of technology becomes an increasingly realistic possibility. Roberts, Yaya, & Manolis (2014)\nAddiction issues aside, this number dwarfs the number I got in my little survey. What it is suggesting to me that my students are under estimating their time on-screen and that all of us probably spend much of our time blissfully unaware of time we are squandering on our devices.\nThe other concern, especially with educators, is that kids cannot focus on anything for more than a minute or two without checking their phone or gazing longingly into some type of screen. Again this is not just a student issue, I see plenty of adults who are compulsively checking their phones or sitting down at a computer terminal. “Oh! I am JUST checking my email… be off in a sec” Sustaining focus seems to be an issue and something that is quite important to some tasks in life.\nMy results seem to suggest that the majority of my students have at least some level of awareness about how their devices affect them and if they are aware of it, then there is hope they can change their behavior should it become problematic. However, if we are talking about addiction issues then changing the behavior won’t be a matter of a simple rational choice.\nThe next statement played with the idea of banning digital devices in schools all together and as you can see this idea was not all that warmly embraced. This statement got the highest number of NO FLIPPING WAY votes of any of the questions, but there were students who thought that it might be an idea. Why they voted for an outright ban… Who knows but it goes to show there is a segment of the student body who are willing to entertain the idea.\nWhat I found most interesting was how well the next two questions were received. The suggestion of a more moderate stance, where devices were not banned but instead moderated or controlled was much more acceptable to the students. This would be more along the lines of how things play out in class now, but many educators (including myself) still struggle with issues around appropriate time and use of digital devices. It is very difficult to regulate device use in a classroom. You can have all the rules you want around when students can use a device, but there is ALWAYS at least one student in class trying to push those boundaries and this drives some teachers absolutely batty.\nWhat surprised me was the support the students gave to the idea of having some classes where devices are not allowed. I would be curious which classes they would accept a device ban in but alas I didn’t ask that question. I am sure there could be arguments made for digital free zones in all subject areas, but I don’t think we could ever get to a place where one course was digital free and another not. I think time better spent would be working to create a school/classroom culture where appropriate time and use guidelines are respectfully followed by both students and the adults in the building.\nAlthough there is nothing in my little unscientific survey to suggest that we have this digital device thing all figured out in our schools, I think there are more positives in these graphs than negatives. It would appear to me that my students are more than willing to take a critical look at their device use and are willing to accept situations where they don’t use their device for a period of time. It looks to me that they might actually understand that there is a balance to be had between living device free and being digitally dependant.\nLife is undoubtedly different today than a scant twenty years ago but we are learning how best to manage this wired world we live in. We will undoubtedly make mistakes but I think we will eventually be able to bridge the gap between the two solitudes of Device free and all wired all the time.\nRoberts, J. A., Yaya, L. H. P., & Manolis, C. (2014). The invisible addiction:\nCell-phone activities and addiction among male and female college students.Journal of behavioral addictions", "label": "No"}
{"text": "This further divided the North and South as the North viewed the attack as vindictive and rather typical of the Southern slave movement, whilst the Southern belief that slavery was an issue worth fighting for was only strengthened by the attack. The repercussions of the aforementioned events meant that matters within Kansas were no longer merely contained to politics but had now leaked out of Congress to become a social matter on a national scale; causing extreme tensions in America during the 1850s and 1860s. Due to this it is fair to suggest that the ‘Bleeding Sumner’ incident was further confirmation of the immutable split that was occurring between the North and South. However, there is no doubt that these tensions were initially sparked by the events that were unravelling within Kansas, due to the issues which had arisen over settlement.\nThe tensions caused by the settlement of Kansas created not only national tensions, but also issues localised to the area of Kansas itself. Kansas became victim to mass migration as both pro-slavery and anti-slavery groups poured into the territory to participate in elections, to determine the slavery status that the territory would encompass. Douglas’ Kansas Nebraska Bill had been forwarded in the hope that popular sovereignty would determine the Government of state in a fair manner, an attitude purely based on the belief that the elections ‘...would not be destroyed or subverted by any intrusive or malign influence’. However, after the Kansas-Nebraska Act was passed, pro-slavery and anti-slavery supporters rushed in to settle in Kansas so as to affect the outcome of the first election held there after the law went into effect. Pro-slavery settlers carried the election. However, when these elections had taken place there were only 2000 registered voters in Kansas and yet 5000 people voted during these elections. As a result the Northerners cried foul and the elections did not pass. However, the rejection of the bill was not the only cause of conflict within Kansas. People from both the North and South flooded into Kansas to pass the Bill in their favour. This was hugely significant as it meant that the population of Kansas became divided between Northern and Southern settlers, thus creating tensions on a social scale. Northern and Southern settlers came into the territory and with them they brought their own conflicting beliefs and ideals. As a consequence the population boomed and this influx of populates, from both North and South, resulted in hostility, violence and ... inevitably... war. Once again this shows the explicit significance of the settlement of Kansas and the tensions that would forever shadow the events that unfolded within Kansas.\nPolitical tensions became ever more significant after the bill was rejected and two opposing constitutions formed. The anti-slavery settlers set up their government in Topeka whilst the pro-slavery settlers set up government in Lecompton, the territorial capital. These two opposing government increased regional tension to the point of breaking. The opposing governances brought in their own constitutions which brought in great conflict and prefigured the secession of the South and the inevitable American civil war. The short term significance of the settlement in Kansas during the 1850s and 1860s was essentially down to the passing of the Kansas-Nebraska bill. That bill brought all the hostility that followed it, the splitting of governance and the bloody wars were effectively a result of the poor establishment of an effective bill that many Northerners had tried to prevent. ‘Whatever apologies may be offered for the toleration of slavery in the States, none can be offered for its extension in the Territories where it does not exist. Let us all protest loudly, by whatever was may seem suitable against this enormous crime.’ Had the Independent Democrats succeeded in preventing the bill and found a new method of dealing with Kansas they may have been successful in, at least, preventing the violence within Kansas and possibly even preventing the Civil war that followed. However, this was far from achieved. Douglas’ bill, that aimed to create a fair state, merely divided America further and created enormous tensions both politically and socially over the settlement of Kansas.\nAn event of serious significance caused by the settlement within Kansas was the bloodshed that came from the splitting of the governances and the conflict within the territory, the major bloodshed took place between 1854 and 1857, this was known as ‘Bleeding Kansas’. This was of such high significance as it showed that the American people were willing to kill for their cause. Bleeding Kansas was, in effect, a mirror image of the American Civil War that was to soon follow, only on a smaller scale. The violence and hatred that was displayed within Kansas ruined both the economy and what little hope there had been for political unification. Kansas was torn apart by the fierce fighting that took place within its borders. This war was a perfect example of how the people of America were more far more concerned with fighting for either the North or South and far less concerned with the issues of slavery. Kansas held great significance not for the freedom of slaves but for the control of advantageous territory, ‘...Kansas is the future seat of empire; she will yet give tone and law to the entire West; and they who are fighting there, in behalf of humanity and justice, do not fight for themselves alone but for a large posterity.’ This is proof that Kansas held greater significance than many realised, it was not simply a state to be claimed for the cause. Instead it was to be the deciding factor determining which side could get a foothold from which to grasp control and bring either anti-slavery or slaver to the whole of America. Thus proving how truly divided America had become. The South, who became renowned for being the more violent of the two sides, applauded those who crossed into Kansas from the South and who took the lives of many, these people were known as ‘Border Ruffians’ and were notorious for sacking the free-state town of Lawrence. In retaliation, John Brown, a radical abolitionist, carried out an attempted slave revolt in Virginia, on October 16th, 1859. The raid was a failure as Brown failed to create a slave uprising and was subsequently hanged for treason. The raid became ‘a cause for celebre’ in both the North and the South, with Brown vilified by Southerners as a bloodthirsty fanatic, but celebrated by Northern abolitionists as a martyr to the cause of freedom. ‘In the North the murders committed by Brown and his followers were ignored by most and lauded by a few.’ National reaction showed the significance of the violence within Kansas and showed how attitudes were changing towards violence as the Civil War became increasingly unavoidable. This was an attitude that was carried across the country and, once again, shows the enormous significance of the settlement within Kansas.\nThe settlement of Kansas was becoming increasingly significant politically as, with the war raging both with the territory of Kansas and within Congress, one of the most considerable parties collapsed. ‘The Whig collapse has often been seen as a direct result of the Kansas-Nebraska Act, which set Southern against Northern Whigs.’ From the downfall of the Whig party emerged the Republican Party who would become the major party within America. Their support came from many Northerners who were discontented with the actions within Kansas. It was this discontent for Southern actions within Kansas that won major Republican support. This, therefore, shows the great significance of the settlement within Congress. Furthermore, the divisions within Kansas had created a political system where a party could win support from the North by simply opposing the South. As a result of Northern support the Republican Party grew stronger and became the dominant party within Congress, the party was bolstered by tensions and the warfare within Kansas. From the Republican Party emerged Lincoln who proved to be the leader they needed to unite the party. Under Lincoln the Republican promised those of the North that they could, ‘...be sure that the glorious Principles of Popery, Fourierism, Free Love, woman’s rights, the Marine Law & above all the Equality of our Coloured brethren shall be maintained...’ Everyone recognised Lincoln as monumental figure who was, without doubt, the man to lead the Republicans. Even opposing parties saw Lincoln as their obvious leader. ‘Lincoln would represent better than any other individual the paradoxical political stance of his party. He was moderate enough to carry ever northern state in 1860, but radical enough for his election to signal the commencement of the secession movement.’ Lincoln’s election to president was hugely significant as he, without any Southern support, had still managed to win. This signified the splitting of the Union as clearly the nation was no longer united under one political system. Lincoln’s election to President brought attention to the failure of the Union and was considered an insult to the South, it is for this reason that it was a major influence of the American Civil War. However, his election was more due to his high profile and, more significantly, it was due to the events that were unfolding within Kansas. As it was these afflictions towards the Northern people and slaves that were taking place within Kansas that gained the Republican Party and Lincoln such fierce support from North America. It is therefore, safe to say that the events in Kansas were highly significant when it came to the fall of the Union, the rise of Republicans and the election of Lincoln to President.\nThe events that unfolded in Kansas were, without any doubt, enormously significant within American history. The settlement, or rather lack of settlement, of Kansas was extraordinarily significant both socially and politically. The Unions inability to create an effective means of implicating Kansas as a free or slave state led to the mass influx of outsiders into the area which flared the hatred of the Northerners and Southerners. Furthermore, it showed signs of America becoming sectionalised as two opposing constitutions were formed within the territory. The events also highlighted the fragility of the Union and consequently led to the collapse of it. Above all the events within Kansas were highly significant for foretelling what would soon unfold across America.\nTaken from ‘The American Destiny volume 6 ‘A house divided’, page 91\nTaken from ‘The Kansas-Nebraska Act: A Century of Historiography’Vol. 43, No. 2 (Sep., 1956), pp. 187\nSumner’s “The Barbarism of Slavery” Speech – June 4, 1860\nSumner’s “The Barbarism of Slavery” Speech – June 4, 1860\nTranscript of Kansas-Nebraska Act (1854) Located 02/03/11\nFrom ‘The American Civil War and its Origins, 1848-65 Third edition’, page 76. Written by, Alan Farmer Hodder Murray.\nFrom ‘The Atlantic Monthly Volume 0001 Issue 4 (February 1858)’ Title ‘Review of the Kansas Usurpation [pp. 492-500]\n‘Bleeding Kansas’ Located 10/03/2011\nFarmer, Alan ‘The American Civil War and its origins 1848-65’ page 55.\nPicture from ‘The American Destiny’ volume 6 ‘A House Dividing’ page 103 Commager HS\nTaken from ‘The American Destiny’ Volume 6 ‘A House Divided’, page 104", "label": "No"}
{"text": "Not one of the hyper-scale data centres, where thousands of servers are hosted in the same place, in the US use waste heat in a significant way\n- The issue: Growing numbers of data centres all produce large quantities of waste heat that in theory could be used to heat houses and offices\n- The problem: With heat tricky and expensive to transport, reusing it is not a priority for data centres, which are typically located away from urban areas\n- What’s happening: Countries in Northern Europe are starting to feed waste heat into district heating systems and more projects are planned, but change will take time\n- Key quote: “Data centres need to become an in-between point for energy use, not an end-point. People then won’t see us as an evil industry that just consumes power.”\nData centres, the beating hearts of the digital age, have a voracious appetite for electricity. They also create vast quantities of waste heat, which is usually vented into the air and squandered. Northern Europe is making steady headway towards using this heat in district heating, but elsewhere little is being achieved beyond niche uses even though almost all electricity consumed by data centres becomes heat and could be captured and reused.\nThe number of data centres globally is growing exponentially as the cloud becomes ever present and computer devices, connected to the internet, become common in everyday objects. Worldwide they consumed around 194 terawatt hours (TWh) of electricity in 2014, about 1% of total demand, says the International Energy Agency. Data centre workload is forecast to triple by 2020, compared to 2016, though related energy demand is expected to grow by only 3% thanks to continued efficiency gains. ...\nWith a subscription you not only buy perspectives on the energy transition unavailable elsewhere, you also support independent and much needed expert journalism focused on achieving a global decarbonised energy economy\nLearn about group pricing. Click this link\nGeothermal heating has plenty of potential as a long-term solution to decarbonise heating and cooling systems\nThe Netherlands faces an unprecedented transformation as it aims in the next 30 years to switch off its gas supplies in favour of cleaner fuels\nIn an interview with FORESIGHT, Dominique Ristori, Director General for Energy in the European Commission, explains why Europe’s heating system is too old and dirty\nDirect tariffs should be promoted and financed by large-scale donors to accelerate the adoption of renewables in developing countries, argue experts from Dalberg, a global advisory firm. This would encourage the release of extra capital by guaranteeing a market and an energy price for clean energy sources\nTechnology choices and policies are available to create a zero-carbon energy system in Europe by 2050, keep the economy competitive and secure a favourable deal for citizens, concludes a podcast by EU scream produced in conjunction with FORESIGHT Climate & Energy.\nGermany is testing whether a nitrate salt thermal storage system could aid the provision of process steam for industry while earning subsidies for capturing emissions of methane, a potent greenhouse gas, and combusting it for energy supply", "label": "No"}
{"text": "Mono Lake is a large, shallow saline soda lake in Mono County, California, in the Eastern Sierras. The lake formed at least 760,000 years ago as a terminal lake in an endorheic basin. The lack of an outlet causes high levels of salts to accumulate in the lake. These salts also make the lake water alkaline.\nMono Lake has two major islands, Negit Island and Paoha Island, plus numerous minor outcroppings. Among the most iconic features of Mono Lake are the columns of limestone that tower over the water surface. These limestone towers consist primarily of calcium carbonate minerals such as calcite (CaCO3). This type of limestone rock is referred to as tufa, which is a term used for limestone that forms in low to moderate temperatures.\nThis desert lake has an unusually productive ecosystem based on brine shrimp that thrive in its waters, and provides critical habitat for two million annual migratory birds that feed on the shrimp and alkali flies. Historically, the native Kutzadika’a people derived nutrition from the Ephydra hians pupae, which live in the shallow waters around the edge of the lake.\nWhen the city of Los Angeles diverted water from the freshwater streams flowing into the lake, it lowered the lake level, which imperiled the migratory birds. The Mono Lake Committee formed in response and won a legal battle that forced Los Angeles to partially replenish the lake level.\n- Lithoid tufa – massive and porous with a rock-like appearance\n- Dendritic tufa – branching structures that look similar to small shrubs\n- Thinolitic tufa – large well-formed crystals of several centimeters\nThe tufa types vary interchangeably both between individual tufa towers but also within individual tufa towers. There can be multiple transitions between tufa morphologies within a single tufa tower.\nThe above is pieced together from Wikipedia.\nFeature Image Details\nThe feature image is a panorama composite of five overlapping images stitched together shortly after sunset.\nI used a Canon 16-35MM F4 L Lens at 17mm, ISO 100, for 3.2 seconds at F16 with a circular polarizer to increase the shutter time.\nThe polarizer was a purposeful error that took hours to correct in Lightroom and Photoshop. I should have used neutral density filters, and I have several, but I did not have them with me that evening. After considerable effort with Lightroom adjustments, I was able to get the look I wanted. The 3.2-second exposure did smoothe out the water as I wanted.\nPolarizers have an uneven effect on blue skies and stitching multiple images together compounds the problem significantly.\nPeople misuse polarizers. I generally do not use them on sunny days, especially if I have a lot of sky in the image. Why? The polarizer will darken the sky in a very non-uniform manner that is hard to correct even in Photoshop. I used them on this occasion as a last resort.\nI often use polarizers on cloudy days and did so on these images. Here are more images from the glen.\nAdditional Images Before Sunset\nThe interesting thing about the above image is the Godbeams are in the opposite direction of the sun. You can verify my statement judging from the bright light hitting the distant background. Prior to this, I had only ever seen Godbeams looking towards the sun.\nThese Godbeams are actually called Anticrepuscular Rays. Looking towards the sun, they are called crepuscular rays.\nThere were two other photographers at this location before I arrived. It severely limited my composition choices. For the above image, one photographer agreed to move long enough for me to grab that shot.\nI could not get as much foreground in the feature shot as I wanted because another photographer was in the way most of the time.\nAll of these images were taken within a 20-minute or so window.\nThose interested in my equipment and recommendations can find it here: Mish’s Equipment List.\nPlease Subscribe: Click to Subscribe by Email.\nIf you like this article, please share by email or use one of the share buttons beneath the article.\nYou can also follow me on Twitter! I have both an economic forum and a photography forum.\nMishMoments is a subset of MishGEA. Those interested in photography only should follow MishMoments.\nPlease follow. I do not give away or share email addresses!\nMike “Mish” Shedlock", "label": "No"}
{"text": "By Alfie Poynter, UK Editorial Board\nWhy is there a gender imbalance in the STEM field and how can equality be achieved?\nThe STEM field is heavily dominated by men; areas like engineering have only 9% female workers. But why is this? We are currently living in one of the most accepting and encouraging societies ever, with gay marriage being legal in the UK and many other countries and women being free to choose any career they want, unlike in the past when society was very sexist and prejudiced. However, many women still choose not to pursue a career in STEM even though they have the ability to do so. I believe this imbalance can be traced back to a few key issues.\n“There is a lack of encouragement for girls and women to pursue STEM related careers.”\nFirstly, there is a lack of encouragement for girls and women to pursue STEM related careers. This could be a lack of encouragement by schools, the media or even parents. At a primary level in education there is no imbalance as sciences and maths are compulsory; however, when you begin to look at secondary education and those taking STEM subjects forward to graduate courses, this is where the imbalance starts to make itself obvious. Therefore, there must be something happening between primary school and university that is discouraging girls to pursue a STEM career yet encouraging boys. I think this is the biggest reason why there is lack of women in the STEM field: a lack of encouragement. If girls aren’t encouraged to take up a STEM career, why would they? There is no incentive to carry on with these subjects, so it is understandable that there is an imbalance in gender in the STEM field. Therefore, in order to help achieve equality, girls need to be encouraged all the way through the education system. However, forcing girls into STEM is definitely not the answer. I think one of the main causes of the lack of encouragement is a lack of role models. It’s a vicious cycle: if there is a lack of female role models in STEM then fewer girls will be encouraged to go into STEM meaning there will carry on to be a lack of female role models in STEM. This cycle must be stopped in order for gender equality in the field of STEM to be achieved.\n“The media tend to objectify women instead of telling the public about their achievements.”\nAdditionally, I believe the media has a big impact on the gender imbalance in the STEM field. Even in 2017, the media often portray women in an unpleasant way; they tend to objectify women instead of telling the public about their achievements. This is unacceptable and has a huge negative impact on girls growing up today who are constantly exposed to this.\nBy portraying women in this way, the media likely causes girls to feel they don’t have the ability to make incredible breakthroughs in science, technology, engineering or mathematics when they most certainly do. Therefore, in order to reduce the imbalance, the media must start to cover female and male achievements equally and eliminate the male bias that is currently present. Otherwise finding women in the STEM field will be a huge rarity and, if the world got to this point, this would be a very sad thing. Diversity is needed within the STEM field; diversity brings new and exciting perspectives which lead to big breakthroughs in STEM. Furthermore, diversity helps to represent the whole population, which is very diverse.\n“Diversity brings new and exciting perspectives which lead to big breakthroughs in STEM.”\nSTEM helps to build our knowledge of everything: in my opinion, it encompasses the most exciting subjects to study. This is why I think everyone who wants to be should be included in the STEM field. Anyone could be the next Albert Einstein or Marie Curie so there should be nothing stopping them. If those in STEM want to push the boundaries of our understanding of the world then we must first accept those who live in it.", "label": "No"}
{"text": "ONTARIO HERITAGE ACT DESIGNATION\nNATIONAL HISTORIC SITE John Weir Foote Armoury, Hamilton, 1888 – 1908\nA. DESIGNATION CRITERIA for Heritage Buildings: A property may be designated if it meets one or more of the following criteria:\nThe property has design value or physical value because it:\n- is a rare, unique, representative or early example of a style, type, expression, material or construction method\n- displays a high degree of craftsmanship or artistic merit, or demonstrates a high degree of technical or scientific achievement.\nThe property has historical value or associative value because it:\n- has direct associations with a theme, event, belief, person, activity, organization or institution that is significant to a community,\n- yields, or has the potential to yield, information that contributes to an understanding of a community or culture, or\n- demonstrates or reflects the work or ideas of an architect, artist, builder, designer or theorist who is significant to a community.\nThe property has contextual value because it:\n- is important in defining, maintaining or supporting the character of an area,\n- is physically, functionally, visually or historically linked to its surroundings, or\n- is a landmark.\nB. HERITAGE CONSERVATION DISTRICTS\nA Heritage Conservation District (HCD) is an area of the city that is protected by a municipal by-law passed under Part V of the Ontario Heritage Act (OHA), by City Council.\nThe majority of Ontario’s designated HCDs comprise residential or commercial “main streets” districts. Once a heritage conservation district designation by-law is approved, property owners in the district will need a permit from the municipality for any alteration that’s not considered minor, as well as any demolition or new construction.\nDistrict designation enables the council of a municipality to manage and guide future change in the district, through adoption of a district plan with policies and guidelines for conservation, protection and enhancement of the area’s special character. A HCD may comprise an area with a group or complex of buildings, or a larger area with many buildings and properties.\nHamilton currently has 7 Heritage Conservation Districts. The designation of the Gore as a Heritage Conservation District is being proposed by the Municipal Heritage Council and being considered by Council.\nC. HERITAGE PROPERTY STANDARDS\nRecent revisions to the Ontario Heritage Act (the Act) permit Hamilton City Council to implement Heritage Property Standards to protect the heritage attributes of properties designated under the Act. Existing property standards apply to buildings, however this tool could give additional protection against the loss of heritage features on designated buildings through neglect and ensure repairs are made maintain the heritage character of the building.\nHeritageWatch Hamilton will be lobbying to have the City of Hamilton amend the existing property standards bylaw to include enhanced property standards for heritage properties. These enhancements are in the areas of appearance and maintenance of heritage attributes.\nThe right of an owner to delay repairs during appeals of orders issued in the current system can frustrate the City’s attempts to require owners to maintain property. HeritageWatch Hamilton will encourage Staff to recommend a further report on the City’s power, under the City of Hamilton Act, to carry out emergency repairs to protect the structural integrity of heritage property.", "label": "No"}
{"text": "She’ll be right. A new peer-reviewed shocker published in Science for the loons to ignore.\nClimate change brings with it the increasing risk of extinction across species and systems. Marine species face particular risks related to water warming and oxygen depletion. Penn and Deutsch looked at extinction risk for marine species across climate warming and as related to ecophysiological limits (see the Perspective by Pinsky and Fredston). They found that under business-as-usual global temperature increases, marine systems are likely to experience mass extinctions on par with past great extinctions based on ecophysiological limits alone. Drastically reducing global emissions, however, offers substantial protection, which emphasizes a need for rapid action to prevent possibly catastrophic marine extinctions. —SNV\nGlobal warming threatens marine biota with losses of unknown severity. Here, we quantify global and local extinction risks in the ocean across a range of climate futures on the basis of the ecophysiological limits of diverse animal species and calibration against the fossil record. With accelerating greenhouse gas emissions, species losses from warming and oxygen depletion alone become comparable to current direct human impacts within a century and culminate in a mass extinction rivaling those in Earth’s past. Polar species are at highest risk of extinction, but local biological richness declines more in the tropics. Reversing greenhouse gas emissions trends would diminish extinction risks by more than 70%, preserving marine biodiversity accumulated over the past ~50 million years of evolutionary history.", "label": "No"}
{"text": "|April 2001 (19.708 Degrees, -155.074 Degrees) Wailoa River Arch Bridges|\nHowever, Hilo is a tsunami magnet. Similar to Crescent City in California, earthquakes in the Pacific create waves that are amplified on reaching the Big Island's eastern shore. A railway with tracks and bridges used to hug the eastern coast but it was sold as scrap metal after being destroyed by a tsunami in 1946 that originated in the Aleutian Islands.\nHawaii's Bridges: Wailoa River Arch Bridges by Mark Yashinsky is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License.\nPost a Comment", "label": "No"}
{"text": "Mortality from viral hepatitis is significantly higher than from HIV/AIDS across EU countries, according to results from The Global Burden of Disease Study 2010 (GBD 2010) which was announced for the first time today at the International Liver CongressTM 2014(1).\nGBD 2010 is the most recent version of a large epidemiological study funded by the Bill and Melinda Gates Foundation and coordinated by the Institute for Health Metrics and Evaluation (IHME) at the University of Washington.\nIn the EU, in 2010, there were more than 10 times as many deaths due to viral hepatitis as there were HIV-attributable deaths. Hepatitis C Virus (HCV) and Hepatitis B Virus (HBV) are estimated to have caused nearly 90,000 deaths that year in the EU (HCV nearly 57,000 deaths, HBV nearly 31,000 deaths), while there were just over 8,000 deaths from HIV/AIDS.\nPresenting these thought-provoking figures, EASL's Vice-Secretary Dr. Laurent Castera from the department of Hepatology, Hôpital Beaujon in Paris said: \"GBD 2010 is making a critical contribution to our understanding of present and future health priorities for countries and the global community. Although HIV/AIDS undeniably remains a key global health priority, the higher mortality from viral hepatitis than from HIV/AIDS in the EU means that hepatitis B and C must clearly now be counted among the top global and local priorities for health.\"\n\"Additional resources are needed to prevent, detect and treat hepatitis B and C in order to address these imbalances in major preventable causes of human death,\" Dr Castera added.\nThe Global Burden of Disease Study 2010 is the largest ever systematic effort to describe the global distribution and causes of a wide array of major diseases, injuries, and health risk factors. GBD 2010 has collated estimates of 291 diseases and injuries and 1,160 sequelae to identify the causes of human death worldwide\nUsing country-level and regional causes of death, mortality attributed to HBV, HCV and HIV/AIDS between 1990 and 2010 has been compared across Europe, by region and for specific countries. These findings have then been compared to global trends.\nGlobally, deaths from both viral hepatitis and HIV increased from 1990-2010 with HIV/AIDS ranking 6th (1.47 million deaths) and viral hepatitis B and C combined ranking 9th, with 1.29 million deaths in 2010.\nWhereas HIV-related deaths in the EU fell by more than half following the late 1990s, in Eastern Europe HIV mortality has risen sharply. \"This goes some way to explaining why mortality from viral hepatitis does not appear to be higher than that of HIV/AIDS in other areas of Europe outside of the EU,\" concluded Dr Castera.\nDisclaimer: the data referenced in this release is based on the submitted abstract. More recent data may be presented at the International Liver Congress™ 2014.\nNotes to Editors\nEASL is the leading European scientific society involved in promoting research and education in hepatology. EASL attracts the foremost hepatology experts and has an impressive track record in promoting research in liver disease, supporting wider education and promoting changes in European liver policy.\nEASL's main focus on education and research is delivered through numerous events and initiatives, including:\nAbout The International Liver CongressTM 2014\nThe International Liver Congress™ 2014, the 49th annual meeting of the European Association for the study of the Liver, is being held at ExCel London from April 9 – 13, 2014. The congress annually attracts in excess of 9000 clinicians and scientists from around the world and provides an opportunity to hear the latest research, perspectives and treatments of liver disease from principal experts in the field.\nFor further information on the studies, or to request an interview, please do not hesitate to contact the EASL Press Office on:\nHelena Symeou +44 7976 562 430\nCourtney Lock +44 7894 386 422\n1. B.C. Cowie et al., EUROPEAN RESPONSES IN FOCUS: COMPARING VIRAL HEPATITIS AND HIV RELATED DEATHS IN EUROPE 1990-2010 IN THE GLOBAL BURDEN OF DISEASE STUDY 2010. Abstract presented at International Liver CongressTM 2014\nCourtney Lock | EurekAlert!\nNanoparticle versus cancer\n21.07.2016 | Lomonosov Moscow State University\nTitanium + gold = new gold standard for artificial joints\n21.07.2016 | Rice University\nMunich Physicists have developed a novel electron microscope that can visualize electromagnetic fields oscillating at frequencies of billions of cycles per second.\nTemporally varying electromagnetic fields are the driving force behind the whole of electronics. Their polarities can change at mind-bogglingly fast rates, and...\nBreakup of continents with two speed: Continents initially stretch very slowly along the future splitting zone, but then move apart very quickly before the onset of rupture. The final speed can be up to 20 times faster than in the first, slow extension phase.phases\nPresent-day continents were shaped hundreds of millions of years ago as the supercontinent Pangaea broke apart. Derived from Pangaea’s main fragments Gondwana...\nScaffolding and specialised workers help with the delivery – Heidelberg biochemists gain new insights into biogenesis\nA type of scaffolding on which specialised workers ply their trade helps in the manufacturing process of the two subunits from which the ribosome – the protein...\nScientists at the Helmholtz Zentrum München have developed a new mass spectrometry imaging method which, for the first time, makes it possible to analyze hundreds of metabolites in fixed tissue samples. Their findings, published in the journal Nature Protocols, explain the new access to metabolic information, which will offer previously unexploited potential for tissue-based research and molecular diagnostics.\nIn biomedical research, working with tissue samples is indispensable because it permits insights into the biological reality of patients, for example, in...\nChemists at the University of Basel have succeeded in using computer simulations to elucidate transient structures in proteins. In the journal Angewandte Chemie, the researchers set out how computer simulations of details at the atomic level can be used to understand proteins’ modes of action.\nUsing computational chemistry, it is possible to characterize the motion of individual atoms of a molecule. Today, the latest simulation techniques allow...\n15.07.2016 | Event News\n15.07.2016 | Event News\n11.07.2016 | Event News\n22.07.2016 | Information Technology\n22.07.2016 | Physics and Astronomy\n22.07.2016 | Life Sciences", "label": "No"}
{"text": "Congratulations to teacher-librarian Judith Comfort for a fabulous website and presentation at the BC Library Conference on her Open Access School Library.\nOpen access, open mind\nTeacher-librarians are needed more than ever.\nOpen Access has exploded online and captured the imagination of librarians, scholars, and students on a global scale. But how much of this has filtered down to school-age children?\nPush open the door of the bricks-and-mortar school library. The place is abuzz with kids packing so many batteries, screens & wires that the security gate screams in protest. Gone are the study carrels as teachers expect collaboration amongst students.\nComment: Judith Comfort points out that teacher librarians are needed more than ever in the internet age, and I agree. While there is more information readily available on the web than anyone could ever read on virtually any topic, students need skills to know what to do with this information - basic literacy, information literacy, and media literacy skills. How to read, interpret, and evaluate the information. In the knowledge age, we will need knowledge workers, and this includes teachers, and librarians, of all types.\nThanks to Convenor Janet Mumford. This post is part of the Canadian Leadership in the Open Access Movement series.", "label": "No"}
{"text": "Efficient Heat Dissipation with SMD Heat Sinks Keeps You From Dropping PCBs\nSurely nothing could go wrong with making a simple dinner like heating an instant pizza in the oven. As hunger get the best of me, I forgot to put on the baking gloves and tried to remove the scalding tray. In an instant, the pain registered and rushed to place my finger under the rushing cold water from the tap. The singe mark on my finger lasted for a few weeks after, but the warning will stay with me until the next time I get too hungry.\nIn electronics, things can get pretty hot on your PCB heat sink and could bring a rude shock to unsuspecting technicians. Not only that, but the extreme temperature that goes beyond the operating range of components can mean a shorter lifespan for your product. The heat-producer itself will be defective, and the performance of surrounding can be negatively affected as well. There are many things to consider when dealing with vias, thermal vias, thermal paste and SMD component. However, with the proper using and understanding of SMD heat sinks, you can save your designs (and your hands).\nWhat Causes A PCB To Heat-Up and Need an SMD Heat Sink\nSimple electronics like a digital calculator produces negligible heat. But when you are designing a high-end controller or a high-current power transistor circuit, it is inevitable that things get pretty hot on your PCB. For some components, like a voltage regulator, the rise of temperature as defined by its thermal resistance can be calculated by the value provided in the datasheet.\nFor example, the popular LM7805 in a TO-220 package will increase by 22°C at every 1 Watt of power dissipated without a heatsink. But that’s nothing compared to a power transistor, as some could even hit 100°C of increase per Watt dissipated. You’ll also find your microcontroller heating up when you’re turning on all its peripherals and running it at its maximum speed.\nIt doesn’t help when the demands on a smaller PCB size are increasing and causing heat to build up faster than it can dissipate. And when you are placing Printed Circuit Boards in an outdoor enclosure, the heat often increase to twice the temperature. Of course, ventilation opening and exhaust fans do help in keeping the temperature down. But such approach is only as effective as the heat dissipation techniques implemented on the PCB itself.\nDesigning for Effective Circuit Board Heat Distribution\nThe heat sink is an effective electronic component to increase the efficiency when used correctly. Like other electronic components, they are available in surface mount packages. High-power SMD components usually have a thermal tab or thermal pad where you would use solder paste to solder it against a heat spreading pattern on the Printed Circuit Board. An SMD heat sink is then soldered onto the other end of the copper to provide better dissipation.\nBefore you choose a heat sink for your high power component, there are two factors to take into consideration: the junction-to-case thermal conductivity and resistance of the component, and the heat sink itself. You’ll want to ensure that the temperature of the component does not exceed its safety limit and the heat sink is not too hot to cause serious injury to the skin.\nIt’s important to calculate the total junction temperature by dividing the dissipated power with the sum of the thermal resistance of the device, PCB thermal dissipation area, and the heat sink itself. You can also get the temperature of the heat sink itself by multiplying the thermal resistance of the heat sink with the dissipated power. The right design will result in the heat sink being much cooler than the high power component by itself.\nIt is a misconception to assume that using a heat sink will totally eliminate heat issues on your PCB heat sink. It merely prevents the accumulation of heat on one single point. You’ll still need to keep heat-sensitive components like sensors away from the heat sink. Proper airflow should also be part of the enclosure design to prevent the heat from eventually building-up.\nAn SMD heat sink is a great way to properly dissipate heat in high power components. As SMD heat sinks come in various sizes and shapes, you’ll want to ensure that the right footprint is created and that you have the proper PCB design software in place to use it. An intuitive tool for footprint creation in Altium Designer’s CircuitStudio® will be useful to guide you along.\nIf you’re still worried about your PCB getting burnt, then consider talking to the experts at Altium Designer now.", "label": "No"}
{"text": "Now days many among the youth and the young adults face various troubles with emotions, anxiety, sadness, depression, happiness and many other emotions are being tangled in a person’s mind and the feelings can never be expressed properly which leads to being more aggressively and mentally ill. People struggle their ways to untangle the emotions that are being built inside them, but how to deal with emotional trouble? There are few ways that studies prove that when conducted the emotional state of a person can be positively changed. Many people take walks, read a book or breathe fresh air to feel better from their own struggling emotions. But in the end of the day it becomes a battle of our own to deal with emotions. Emotions can be overwhelming, strong and powerfully forcing upon one’s mind. To handle it and to keep stability is difficult but not impossible. There are few ways in which a person can take help to relax their minds and improve their emotional state so they can lead a positive life ahead. We see many people with anxiety trouble, it can be very harmful for a person if it is not treated and considered seriously. Anxiety can block away the smartest thoughts and it will often limit the ideas that are generated in a person’s mind. Not many people can identify their anxiety struggle, and those who have identified it have a struggle of their own to reduce the stressful feelings they get attacked with. Did you know that the body movements actually connect to calmness of the mind? It can be two different aspects but they connect as one in your body. Your body and mind work simultaneously. It brings together a relaxing form when cooperated and trained. So emotions can be dealt with body movements that connect calmness to the entire body.\nChange and stability in the body\nIf you consider the yin yoga benefits you will actually realize how much strongly it affects your mind and emotions. When your body changes movements and is flexible towards relaxation the mind creates gaps of calmness to recognize emotions in a different point of view, your body learns to breathe calmly and the stress levels are reduced.\nMotivation through positivity\nWhen you recognize the positive changes that your emotions feel when you take movement classes you will understand that you will need more motivation to continue in the same path of positivity to see best results, you can use yoga poses poster and have a motivational side to what you are looking forward to. View more here https://www.with-yinyoga.com/yin-yoga-teacher-training/.\nLearn to breathe\nYou can help your struggles with emotions when you reach out to people who can help you learn to breathe.", "label": "No"}
{"text": "It’s 3 o’clock, what do you find yourself reaching for?\nIf you reach for chips, you are lacking motivation and/or filled with worries. Not exactly the best snack for a productive afternoon. If you find yourself reaching for chocolate it means that you are concerned about your future health. Although, maybe not enough to put down the chocolate bar, but it is on your mind. If you reach for dairy products or fruit, things are looking up for you. You are optimistic about your health!\nSnacks provide 15-20% of our daily calories, which is why snacking seems to be one of the first things to go when you start a diet. Yes, snacking can help us reduce our calories but it is also where we get on average 13-17% of our daily vitamins.\nPeople that snack frequently are less depressed.\nThey also eat less green vegetables.\nSo, what this says to me is that we need a little help in the snack department.\nThe Kansas City Dietitian’s Simple Snack Rules:\n- Keep it to less than 200 calories – This allows enough room to get the benefits of a good snack but not so much that you are making it into a “meal”\n- Snack with a purpose – Always include a fruit and vegetable and pick foods that have nutritional value not just those that are low in calorie\n- Make sure to include a protein or a healthy fat with your carb – This helps stabilize your blood sugar, which is one of the most important things about snacking\nThe worst snack you can possibly have is the UNPLANNED SNACK!\nPlan your snacks into your day. Have them available at your desk, in your car, in your fridge, whatever you have to do just have them ready before you get hungry.\nSimple Snack Ideas (No Recipes):\n- ½ serving of tortilla chips (yes I’m not crazy enough to think that everyone is ready to give up chips all together, but only half a serving, and add a veggie), a serving of carrot sticks, ½ cup salsa and a cheese stick (don’t forget the cheese stick it provides the protein)\n- Avocado spread on your favorite crackers and veggies\n- Nuts and fruit (or dried fruit)\n- Apple and Nut-butter\nMore Snack Ideas:\nFor the Chip Lover:\n– Baked BBQ ChickPeas\n– Black Bean Hummus and Veggies\nFor the Sweet Tooth:\n– Cake Batter Dip with Fruit\n– Yogurt Covered Fruit\n– Chocolate Covered Raspberry Tarts\nIf you love this title raise your hand. I see those hands. It is a great title isn’t it? Once again WD has managed to destroy the English language with just one little word.\nOK on with the dirty subject matter at hand.\nI am often asked by clients if it is best to eat “organic”. This is a question fraught with complexities. I could address those complexities but instead I will try to figure out other ways to use the word fraught.\nThe following fruits and veggies are considered to be fraught with pesticides. Always choose organic. Look for the official Organic Seal. Don’t waste your money on “organic” foods that do not have this seal. (If you want to waste your money, send it to me. I am fraught with ideas.)\nOther F & V’s (short for Sexy Fruits and Veggies) have been identified as being safe.\nNo matter the F & V’s you buy, always wash well. They are all fraught with nasty little dirts. (Yes, I used this word intentionally.) Just pour a little (about 2 Tablespoons) white vinegar into a big bowl, fill with cold water, let sit for about a minute, pour into strainer and rinse for about a minute.\nAnd that is the Double Down Dirty Dish on the Dirtiest F and V’s.\nDo yourself a favor and clean up your act (and your produce.)\nThank you once again for supporting WD!\nOnly a “Veggies are Sexy” specialist can find a “Sexy Fruits” sign on an island vacation. The oddest part of all, there was not a fruit to be found anywhere near this sign (unless of course you count the fruit wearing the blue top.) The mystery remains, why are Veggies sexy? Why are Fruits sexy? Yesterday I hosted a table at a Health Fair and these were the pressing questions that I was frequently asked. I was also asked why I was wearing a plastic lighted blinking heart.\nAnother often repeated question was, “Why do you have 5 pounds of fat sitting on your table?” But, the most often asked question by far was “What percentage of cocoa should dark chocolate contain to make it healthful?” Finally, a question I could answer. Dark chocolate should contain at least 75% or even 85% cocoa or cacao to make it a healthful treat. This means it contains more of the actual cocoa bean. Currently my favorite dark chocolate is Lindt 85% dark chocolate covered blueberries. But, my own dark chocolate covered blueberries also were a big hit at the Health Fair. (Watch for upcoming recipe.) They were gobbled up pretty quickly. If your organization has a health fair coming up, be sure to attend. If you see a crazed lady wearing a blinking heart necklace, carrying 5 pounds of fat and handing out chocolate covered blueberries, you will know it is me. Run….", "label": "No"}
{"text": "Keeping your brain healthy is of vital importance. Your brain starts to function before you leave the womb, and it works throughout your entire life to help you control your body’s functions.\nHuman brains are similar to muscles, if you don’t maintain your brain on a regular basis, you could be at risk of losing it. People are advised to exercise their brains to help them stay stimulated.\nHowever, maintaining your brain isn’t as complex as you might think. Here are a few things that you can do to help keep it healthy throughout your life.\n1. Stay Active\nStaying fit is a great way of improving your cognitive health. According to a recent study that was carried out in Canada, those who stayed physically active scored higher in memory examinations and were better at problem-solving.\nThis doesn’t mean you have to spend hours each day working out in the gym. Find something you enjoy doing, like going for a walk outdoors or taking up yoga. Not only will exercise help you stay in shape, but it will improve the blood flow to your brain.\nScientists in Europe believe that working your leg muscles can help your brain stay healthy. Walking, leg presses, jogging, swimming, etc. are the type of exercises you should do to keep your brain in good condition.\n2. What Foods Should I Eat to Help Keep My Brain Healthy?\nDiet is key to keeping your brain in top-notch condition. By maintaining a healthy diet, you can improve your memory and you will find it easier to concentrate. So, what type of foods should you introduce to your diet to keep your brain maintained?\n- Broccoli: This tasty vegetable is packed with vitamins, such as vitamin K. Experts believe that vitamin K can help improve a person’s cognitive status and help improve their memory.\n- Eggs: Eggs are affordable, readily available, and they are rich in vitamin B. They also contain a nutrient known as choline, which the body uses to form neurotransmitters, which can help improve your memory and lift your mood. If you don’t get enough choline in your diet, you can consider purchasing choline powder. There are several online stores selling the powder, so if you want, buy Choline online here.\n- Fruits rich in vitamin C: Vitamin C will help support your brain and keep it maintained. Fruits like kiwis, oranges, and strawberries all contain high amounts of vitamin C. To avoid suffering from Alzheimer’s, many scientiests believe that vitaimain C can help.\nMedical experts often encourage people to follow a Mediterain diet to keep their brains maintained. The diet includes lots of fatty fish, fruits like avocados, vegtables, and nuts. Also, try your best to limit the amount of red meat you consume.\n3. Download Brain Games\nAlmost all of us have access to the web today. There are several games that you can download to exercise your brain. There are a lot of software applications readily available that are specifically designed to train your brain.\nPeople of all ages should play these games because they can help improve mental funtioning. The older you get, your brain starts to age. To help keep your brain feeling young, play games like crosswords, Sudoku, Braingle, and Lumosity. Here are some of the benefits to playing brain games:\n- Improves your memory\n- Increases your response time\n- Improves your cognitive functions\nAvoid spending your hard-eanred money on brain training applications. Software developers often advertise these apps as a way to improve your memory, but they rarely work. There are lots of free apps out there that will work just as well, if not better. Consider downloading free software avaible on popular online marketplaces, such as the Google Play Store and the Apple App Store.\nPeople who don’t socialize with others often suffer from mental disorders like depression and increased levels of stress, which can sometimes lead to memory loss. Living alone, especially during these unprecidented times can take its toll on your mental health. Try to reconnect with old friends, and speak to your loved ones on a regualr basis. If you are struggling with your mental health, consider speaking to a medicaly trained expert for professional advice.\nInteracting with folks who have a positive attitude on life can help. Try to minimize the time spent with those who put you in a bad mood. Negativity is contagious, and socializing with people who bring you down can have a devasting impact on your brain’s health.\n5. Digital Detox\nWe only have one brain, so do whatever it takes to keep it in shape. The world is full of advanced modern technology, which is often a good thing, but too much screentime time can have a negative impact on your brain’s health. Limit the amount of time you spend on social media platforms and online streaming services, especially before hitting the hay at nighttime. Switch off all of your electronic devices one hour before going to bed.", "label": "No"}
{"text": "Today's speaker was Manny Pacheco, he is the author of the “Forgotten Hollywood” book series. Manny worked at KRLA for many years alongside Art Labo. He has been on radio for 30 years and today he shared with us how Hollywood history reflects and ties into American history and Rotary history.\nManny has written about 37 actors that may be forgotten by our children's children and in order for their memories to be kept alive, he shares their wonderful stories.\nThe first story he shared with us was about the \"Original Odd Couple\" who appeared in nine movies together. These two actors were Sydney Greenstreet and Peter Lorre. The most famous of the movies that they appeared in were \"Casablanca\" and the \"Maltese Falcon.\" About the time when these two movies were playing America was conducting the Cold War across two oceans. It was our government’s policy to try and harness and develop atomic energy. This was known as the Manhattan Project.\nThe best and the brightest scientists worked hard six days a week trying come up with a way to harness atomic energy. They lived on military bases with their families. To relax, on the seventh day which was Saturday, this was movie night and Hollywood being so patriotic at that time, they would donate their libraries of movies to these bases so the families of these scientist could relax and enjoy different movies.\nOne scientist was such a big movie fan, that when they dropped the first atomic bomb in New Mexico the scientist nicknamed it, \"The Thin Man\" after Dashiell Hammett's character played by William Powell. Two other bombs were dropped in Hiroshima and the other in Nagasaki. One bomb was small and slender and the other large and rotund. The first bomb that was dropped was nicknamed “Little Boy” and the second bomb was named “The Fat Man.” The names of the bombs were based on these two actors, so not only were they tied together in nine movies they were tied together in the history of World War II. Ironically these actors had no idea that they were tied with the history of these bombs which makes sense since these were top secret missions.\nAnother example of how movies and history tie together is the story of an actor by the name of that Van Heflin who played in a movie called “Cry of Battle.” It was a fictional movie playing in 1963 and in all the small movie theaters including one in Dallas named the Texas Theatre. This movie theater became famous because it was the place where Lee Harvey Oswald hid and got arrested. So important and historical was that day that if you were to visit that movie theater today you would see a plaque on the seat where Oswald was arrested as well as the poster for his movie still posted. Once again Hollywood and History intersect.\nOn a funny note, MGM’s top actor at that time who beat everybody else in top pay was Lassie! Yes that little dog was making more money for the studios than any two actors combined!\nMr. Pacheco’s last story was a connection of not only Hollywood and History but to Rotary as well. Lionel Barrymore had a lifetime contract with MGM, and as he got older he became disabled from arthritis and he eventually ended up in a wheelchair. During that time however, he had it in his lifetime contract that his disability was never to be mentioned. During the 1938 filming of “You Can’t Take it With You,” Lionel was in crutches healing from a broken hip that would never heal properly before his arthritis really took over his body thus confining him to his wheelchair. Helen Keller who was good friends with Eleanor Roosevelt was so impressed that when she heard of Mr. Barrymore (who was still shooting movies while in his wheelchair) said, \"Our time has come! If an actor can perform in a wheelchair, we can fight disease and disabilities now! Talk to your husband.\" Well as we are aware of historically, Eleanor Roosevelt who was married to Franklin D. Roosevelt, Mr. Roosevelt contracted Polio, while the Roosevelt's were vacationing in 1921, which resulted in permanent paralysis from the waist down. After he became President, Roosevelt helped to found the National Foundation for Infantile Paralysis, now known as the March of Dimes. Every year on his birthday he invited Hollywood to his Birthday Party to raise all kinds of money for the March of Dimes, so successful was this March of Dimes campaign that within 10 years after his death we eradicated polio in the United States.\nTwenty Five years after that, Rotary Club was then able to fight Polio on an international level with its Polio Plus Program, using the same concept and the same techniques that were started through the March of Dimes campaign. As Rotarians we should ALL be Proud of ourselves for being part of this history, and for caring enough to fight for this ongoing campaign to stamp out Polio around the World!\nManny Pacheco is shown below; to learn more about \"Forgotten Hollywood\", log on to his bog at http://www.forgottenhollywood.com/hollywood-history/forgotten-hollywood-holidays-friendly-to-book-series.php", "label": "No"}
{"text": "Studies that investigate the influence of culture on the persuasion process need methods and instruments to measure the effect of culture. As cultural studies have most frequently used values as a starting point for cross-cultural differences and similarities (see Section 2), values have also been used to measure culture. Persuasive effects research involving different cultures inherently encounters a number of methodological problems. In Section 3, I will describe these problems and some solutions, and propose the inclusion of context variables other than values as an alternative way of measuring the ef-fect of culture in experimental persuasive effects research.\n- Hornikx, J. (2006). Measuring the effect of culture in experimental persuasive effects research. In R. Crijns, & J. Thalheim (Eds.), Kooperation und Effizienz in der Unternehmenskommunikation: inner und außerbetriebliche Kommunikationsaspekte von Corporate Identity und Interkulturalität (pp. 195-204). Wiesbaden: Deutscher Universitäts-Verlag. [pdf]\nUsing evidence in support of claims makes a message more persuasive, but it is not known whether the persuasiveness of evidence depends on the type of evidence, and on the cultural background of the receiver of the message. This book reports on a series of five studies, in which the expected and actual persuasiveness of anecdotal, statistical, causal, and expert evidence were investigated in France and the Netherlands, with a particular focus on expert evidence. The findings from these empirical studies clearly demonstrate that there are cultural differences in the relative expected persuasiveness as well as the actual persuasiveness of the evidence types studied. Expert evidence was found to be more persuasive in France than in the Netherlands, although these cultural differences were subtle. Therefore, the findings reported in this book further underscore the importance of investigating the influence of culture on the persuasion process.\n- Hornikx, J. (2005). Cultural differences in the persuasiveness of evidence types in France and the Netherlands. Dissertation Radboud Universiteit Nijmegen [pdf].\nPersuasive texts in which evidence is employed to support claims are more effective than texts without evidence. Text writers may use different types of evidence, such as anecdotal, statistical, causal, and expert evidence. Over the years, a number of experimental studies have investigated the persuasive effectiveness of these evidence types. In these experiments, various definitions and operationalisations of evidence and evidence types have been used. As a consequence, there is no clear picture of which type of evidence is the most persuasive. This review analyses fourteen experiments on the relative persuasiveness of evidence types. Results show that statistical and causal evidence are more persuasive than anecdotal evidence.\n- Hornikx, J. (2005). A review of experimental research on the relative persuasiveness of anecdotal, statistical, causal, and expert evidence. Studies in Communication Sciences, 5 (1) , 205-216. [pdf]\nIn this second edition of Persuasion: theory & research, Daniel O’Keefe gives a state-of-the-art overview of theories and research in the field of persuasion. The author has succeeded in providing an introductory text for (under)graduate students that discusses classic and more current theoretical perspectives that have been or will be prominent for the study of persuasive effects (chapters 2-6).\n- Hornikx, J. (2003). Review of “Persuasion: theory & research (2nd edition)” by Daniel O’Keefe. Document Design, 4 (3), 284-287. [pdf]\nPersuasive texts, such as advertisements or public information brochures, are written to convince the readers to behave in a certain manner, like buying a DVD-player or stop smoking. These texts are generally characterised by pragmatic argumentation, by which an action is recommended on the basis of its favourable consequences. In order to enhance the persuasive power of these texts, writers can support their claims with different types of evidence, like statistical information or anecdotes. The text writers’ preference for certain types of evidence might be influenced by their cultural background. A cross-cultural corpus study consisting of Dutch and French persuasive brochures will be presented. We will first outline our theoretical framework by discussing the role of pragmatic argumentation (section two) and evidence types (section three) in persuasive communication.\n- Hornikx, J., Starren, M., & Hoeken, H. (2003). Cultural influence on the relative occurrence of evidence types. In F. H. van Eemeren, J. A. Blair, C. A. Willard, & A. F. Snoeck Henkemans (Eds.), Proceedings of the fifth conference of the International Society for the Study of Argumentation (pp. 531-536). Amsterdam: Sic Sat. [pdf]", "label": "No"}
{"text": "One of the most common causes of foot and leg discomfort is a condition known as overpronation. Normal pronation, or \"turning inward\" of the foot is necessary as the foot adapts to the ground. With over pronation, the arch flattens, collapses, and soft tissues stretch. This causes the joint surfaces to function at unnatural angles to each other. When this happens, joints that should be stable now become very loose and flexible. At first, over pronation may cause fatigue. As the problem gets worse, strain on the muscles, tendons, and ligaments of the foot and lower leg can cause permanent problems and deformities.\nOver-pronation has different causes. Obesity, pregnancy, age or repetitive pounding on a hard surface can weaken the arch leading to over-pronation. Over-pronation is also very common with athletes, especially runners and most of them nowadays use orthotics inside their shoes. Over-pronation affects millions of people and contributes to a range of common complaints including sore, aching feet, ball of foot pain, heel Pain, achilles tendonitis, bunions, shin pain, tired, aching legs, knee pain and lower back pain. The most effective treatment solution for over-pronation is wearing an orthotic shoe insert. Orthotics correct over-pronation, thereby providing natural, lasting pain relief from many common biomechanical complaints.\nOverpronation can negatively affect overall body alignment. The lowering of the longitudinal arch pulls the heel bone in, causing the leg, thigh bone and hip to rotate inwards, and an anterior tilt of the pelvis. Unnecessary strain to the ankles, knees, hips and back can result. Plantar fasciitis and inflammation, metatarsal pain, problems with the Achilles tendon, pain on the inside of the knee, and bursitis in the hip are just some of the conditions commonly associated with pronation.\nThe best way to discover whether you have a normal gait, or if you overpronate, is to visit a specialty run shop, an exercise physiologist, a podiatrist or a physical therapist who specializes in working with athletes. A professional can analyze your gait, by watching you either walk or run, preferably on a treadmill. Some facilities can videotape your gait, then analyze the movement of your feet in slow-motion. Another (and less costly) way is to look at the bottom of an older pair of run shoes. Check the wear pattern. A person with a normal gait will generally see wear evenly across the heel and front of the shoe. A person who overpronates will likely see more wear on the OUTside of the heel and more wear on the INside of the forefoot (at the ball). A person who supinates will see wear all along the outer edges of the shoe. You can also learn about your gait by looking at your arches. Look at the shape your wet feet leave on a piece of paper or a flat walking surface.\nNon Surgical Treatment\nNot all over pronation is treated. Although, when it appears to be a causitive factor that is contributing to pain,or development of structural deformities, there are various degrees of treatment.In some cases specific shoes may be all that is required. In other cases, paddings or strapping, are prescribed and where necessary orthotic therapy. A podiatric assesment would be advised to asses this.\nPronation forces us to bear most of our weight on the inner border of our feet. Custom-made orthotics gently redistributes the weight so that the entire foot bears its normal share of weight with each step we take. The foot will not twist out at the ankle, but will strike the ground normally when the orthotics is used. This action of the custom-made orthotics will help to prevent shin splints, ankle sprains, knee and hip pain, lower back pain, nerve entrapments, tendonitis, muscle aches, bunions, generalized fatigue, hammer toes, and calluses.", "label": "No"}
{"text": "Scientific Research, Books, Articles, Columns, Lectures and Photographs\nCOPYRIGHT NOTICE: All photographs, images and charts on this site are copyright by Forrest M. Mims III. They may be reproduced by students and others for non-profit, non-commecial use if they are acknowledged: This photograph [or chart] is from www.forrestmims.org. Copyright by Forrest M. Mims III.\nGeronimo Creek is a permanent, spring-fed creek in South-Central Texas. Many species of plants, fungi and animals are found along the creek and in the nearby fields, meadows and woods. Examples will be occasionally posted on this page. Sun and sky measurements have been made from the center of a field 300 meters from Geronimo Creek since May 1988. Click on images to enlarge.\nGeronimo Creek scenes\nLynx spider dining on carpenter bee\nThe sequence of fisheye images at right shows the Sun and sky over Geronimo Creek Observatory at or near noon on various clear days from January through December 2003. The dark skies in the sequence are caused by smoke or dust. The photos were taken by a Nikon 990 3.3-megapixel camera with a Nikon 180 degree lens. Watch this spot for more Sun and sky animations going back to September 1998.\nFrost Castles on Geronimo Creek, Texas\nThe white crownbeard (Verbesina virginica) is a native plant that grows in abundance a few hundred meters from the banks of Geronimo Creek, Texas. Typical mature plants are around 1.5 meters high, and some may reach 3 meters.\nMature white crownbeards have large leaves on a single stem crownded by a canopy of small, white flowers.\nCrownbeards lose their leaves after the first frost. When the temperature is a few degrees below freezing, the stems of the plant rupture as frozen water emerges in delicate whorls and fans. The delicate ice sculpture may completely cover the 30 cm or so of the stem nearest the ground.\nAs the temperature warms above freezing, the delicate ribbons of ice begin to melt and fall to the ground. In doing so, long segments of ice appear to rotate downward as their weight pulls them toward the ground. Large sections of sculpted ice may fall at once. Or the ice may drop to the ground in ribbonlike flakes no thicker than a business card.\nSarah Anna Mims introduces the upper sequence. The elapsed time sequence below is an animated gif made with a Pentax 33WR digital camera (3.3 megapixels).", "label": "No"}
{"text": "Today’s generation is notorious for neglecting their right to vote. However, their voice is important as these key issues in our current election relate to their concerns, especially the ages between 18 and 30. This makes it important for the millennials to represent their vote.\nBelow are five reasons why the youth’s vote will impact the future.\nThe Millennials Account for Nearly Half the Population\nAs the millennials have nearly half of the voting population, the participated voters decreased by 2%. Experts believe that once the boomer generation decreases, the millennials will become the largest and most powerful group to vote in the future elections. However, not all who have the power to vote will.\nOlder Citizens Are More Likely to Vote\nWhile millennials make up a large part of the population, they are less likely to vote than the older generation. In fact, in 2016, nearly 19% of millennials voted in the presidential election while 49% of older citizens played as largest electorate vote.\nEvery Single Vote Counts\nMany people assume that their vote will not count for countless reasons. Hence, they rather choose to not waste their time to participate in the elections. Millennials are reported to not agree with other candidate, which leads them to sit out as a result.\nThe Younger Generation Were Affected The Most During the Great Recession\nWith college debt and the lack of employment, these financial times effected the youth after the Great Recession. While unemployment rates have continued to decline, millennials have found their step into the new economy with debt forgiveness, healthcare, and more.\nYouth Votes Are Diverse\nIn today’s generation, the young voters are made up of a diverse group. They are well diverse as the millennial electorate is believed to become the first demographic group to challenge the two-party system and heighten the drive to choose alternative political parties that will represent the needs of a diverse population.\nYou might think that choosing to vote may not be important now, but within the next year years you might be faced with challenges. It is your time to speak up and make a choice to partake in the election.", "label": "No"}
{"text": "For many people, the word \"counselor\" takes them back to the image of someone they saw a few times in high school to help them with their class schedules, testing, college applications, and discipline. Elementary counselors are responding to today’s needs by providing children with comprehensive and developmental school counseling programs.\nA Certified and/or Licensed Professional: All professional school counselors must have a master’s degree and meet other certification requirements as defined by each state.\nThe Developmental Needs of Elementary School Students: Elementary school is a time when students develop attitudes concerning school, self, peers, social groups, and family. It is a time when students develop decision-making, communication and life training skills, and character values.\nComprehensive developmental counseling is based on prevention, providing goals that are integrated into all aspects of children’s lives. Early identification and intervention of children’s problems are essential to change some of the current statistics regarding self-destructive behaviors. If we wait until children are in middle or high school to address these problems, we lose the opportunity to help them achieve their potential, as well as feelings of dignity and self-worth. For many children, the school counselor may be the one person who provides an atmosphere of safety, trust and positive regard.\nElementary School Counselors:\n- Implement effective classroom guidance focusing on understanding self and others; coping strategies; peer relationships and effective social skills; communication, problem-solving, decision-making, conflict resolution, and study skills; career awareness and the world of work; substance education; and multicultural awareness.\n- Provide individual and small group counseling dealing with self-image and self-esteem; personal adjustment; family issues; interpersonal concerns; academic development; behavior modification; as well as peer facilitation and peer mediation.\n- Provide assessment by helping students identify their skills, abilities, achievements and interests through counseling and guidance activities and interpretation of standardized tests.\n- Work with specialized populations and needs that require special attention, such as culturally diverse populations and students of varying abilities.\n- Develop students’ career awareness as a lifelong process of forming basic values, attitudes and interests regarding their future world of work.\n- Coordinate school, community and business resources; school wide guidance-related activities; and extracurricular programs which promote students’ personal growth and skill development.\n- Provide consultation with teachers, administrators, school psychologists, school social workers, and outside agencies and social services concerning the welfare of the students.\n- Make appropriate referrals for special services for students and families within the school and community.\n- Communicate and exchange information with parents/guardians by way of conferences, parent education workshops and newsletters.\n- Participate as members of the school improvement and interdisciplinary teams and work as liaisons with PTA.\nWhy Elementary School Counselors? Elementary school years set the tone for developing the skills, knowledge, and attitudes necessary for our children to become healthy, productive adults. With a comprehensive developmental counseling program, counselors work as a team with school. Parents and community to create a caring atmosphere whereby children’s needs are met through prevention, early identification and intervention.\nOverview of the Program\nThe James Caldwell School Counseling Program is designed to be comprehensive and developmental, with an emphasis on prevention. This includes large group character education lessons, small group and individual counseling, and consultation with staff, parents and community.\nThe School Counselor, Ms. Marnie Zambolla, is a trained professional with a Masters' in School Counseling. She provides activities to enhance student’s academic progress by addressing issues such as conflict resolution, interpersonal relationships, bullying, and self-esteem. She also teaches the skills needed for coping in our fast-paced and ever-changing world.\nThe content of the character education lessons and the small group discussions reflects the needs of the children as identified by teachers, parents, counselors, and the children.\nThe School Counselor consults with parents and teachers to address the academic, social, and emotional concerns of the child. The Counselor can provide resources and information to help address specific concerns, as well as develop strategies to improve communication and the learning environment.\nPlease contact the School Counseling Office if you have any questions.\n(973) 376-1025ext.4026 firstname.lastname@example.org\nLarge Group Character Education Lessons\nCharacter education lessons are conducted bi-monthly focusing on topics such as responsibility, conflict resolution, communication skills, respecting others’, and careers.\nAll topics are tentatively planned as they change based on student need.\nSmall Group Counseling Opportunities\nNewcomers Club: Students that are new to the district or transfer within district have the opportunity to take part in the newcomers club. The club meets for three sessions during lunch to discuss their past school and community, present school and community, and their goals for the future.\nChanging Families Group: Every year, groups are run for children of families that are experiencing separation, divorce or remarriage. The goals of the group are to give children strategies for communicating their feelings about the challenges inherent in this situation; visitation, different sets of rules, where to put their loyalties, and anger management.\nFriendship Group: The friendship group is for students that need to work on developing the social skills necessary for making and keeping friends. The goals of the group are to identify the important qualities of a friend, understand common friendship problems, and learn how to manage conflict.\n\"Cool\" Kids Group: The cool kids group deals with identifying causes and understanding the consequences of angry behavior. Students learn to identify anger reduction techniques and practice alternatives to acting out.\nIndividual counseling may be requested by a student, parent or teacher. The children often self-refer and ask their teacher when the best time is to leave the room to see the counselor. If a child needs mediation with another student, both will often request a session in the counseling office to brainstorm the best ways to solve the conflict between them. Outside referral is also made to parents of students that need to seek long-term intervention and support from community mental health agencies and private practitioners.\nOrientation programs are run for students transitioning from lower elementary to upper elementary and upper elementary to middle school. Students will have the opportunity to visit their new school and ask questions about the transition. An orientation program is also held for parents of future upper elementary and middle school students. More information about the program will be available in the spring.", "label": "No"}
{"text": "As part of CSMA/CD, a process known as ____________________ allows the NIC issue a special 32-bit sequence that indicates to the rest of the network nodes that its previous transmission was faulty and that those data frames are invalid.\nNearly all NICs contain a(n) ____, the device that transmits and receives data signals.\n____ is a set of data or instructions that has been saved to a ROM (read-only memory) chip (which is on the NIC).\nEach time a computer starts up, the device drivers for all its connected peripherals are loaded into ____.\nA(n) ____ is the circuit board wire over which a device issues voltage to signal this request.\nThe ____ is a simple set of instructions that enables a computer to initially recognize its hardware.\nThe ____ setting specifies, in hexadecimal notation, which area of memory will act as a channel for moving data between the NIC and the CPU.\nbase I/O port\nTo eliminate the possibility of a broadcast storm, switches and bridges implement the ____.\nSTP (Spanning Tree Protocol)\n____ routing is a technique in which a network administrator programs a router to use specific paths between nodes.\n____ are combinations of networking hardware and software that connect two dissimilar kinds of networks.\nA computer's ____________________ is the circuit, or signaling pathway, used by the motherboard to transmit data to the computer's components, including its memory, processor, hard disk, and NIC.\nA(n) ____________________ is software that enables an attached device to communicate with the computer's operating system.\nBecause WAN connections require routers or other Layer 3 devices to connect locations, their links are not capable of carrying ____ protocols.\nThe portion of the PSTN that connects any residence or business to the nearest CO is known as the ____.\nIn a process called ____, two 64-Kbps ISDN B channels can be combined to achieve an effective throughput of 128 Kbps.\nA ____ converts digital signals into analog signals for use with ISDN phones and other analog devices.\nAt the customer's demarcation point, either inside or outside the building, T-carrier wire pairs terminate with a ____.\nBroadband cable requires many subscribers to share the same local line, thus raising concerns about ____ and actual (versus theoretical) throughput.\nSONET's extraordinary ____ results from its use of a double-ring topology over fiber-optic cable.\nThe data rate of a particular SONET ring is indicated by its ____, a rating that is internationally recognized by networking professionals and standards organizations.\nOC (Optical Carrier) level\n____ networking refers to dialing directly into a private network's or ISP's remote access server to log on to a network.\n____ virtual computing allows a user on one computer, called the client, to control another computer, called the host or server, across a network connection.\nIn wireless communication, to exchange information, two antennas must be tuned to the same ____.\nIn ____, a wireless signal splits into secondary waves when it encounters an obstruction.\n____ is a most significant problem for wireless communications because the atmosphere is saturated with electromagnetic waves.\nIn ____ scanning, the station transmits a special frame, known as a probe, on all available channels within its frequency range.\n____ is an 802.11n feature that allows two adjacent 20-MHz channels to be combined to make a 40-MHz channel.\n____ is an 802.11n network feature allowing the combination of multiple frames into one larger frame.\n____ is a command-line function for viewing and setting wireless interface parameters and it is common to nearly all versions of Linux and UNIX.\nIf intermittent and difficult-to-diagnose wireless communication errors occur, ____ might be the culprit.\n____ satellites are the type used by the most popular satellite Internet access service providers.\nThe use of multiple frequencies to transmit a signal is known as ____________________ technology.\nA piece of software called ____ translates requests and responses between a client and a server.\nA(n) ____ is a list that organizes resources and associates them with their characteristics.\nA(n) ____ is the record of a user that contains all of his properties, including rights to resources, password, name, and so on.\nThe term ____ memory refers to the RAM chips that are installed on the computer's system board and whose sole function is to provide memory to that machine.\nThe support and use of multiple processors to handle multiple threads is known as ____.\nA(n) ____ is a pictorial representation of computer functions that, in the case of NOSs, enables administrators to manage files, users, groups, security, printers, and so on.\nA workgroup is a group of interconnected computers that share each other's resources without relying on a central ____.\nThe directory containing information about objects in a domain resides on computers called ____ controllers.\nNaming (or addressing) conventions in Active Directory are based on the ____ naming conventions.\nA GUID (globally unique identifier) is a 128-bit number that ensures that no two objects have ____ names.\nThe primary function of the UNIX ____ is to coordinate access to all your computer's hardware, such as the disks, memory, keyboard, and monitor.\nWithin a classful addressing subnet mask, the ____ bits indicate that corresponding bits in an IPv4 address contain network information.\nBecause the octets equal to 0 and 255 are ____, only the numbers 1 through 254 can be used for host information in an IPv4 address.\nCIDR notation takes the form of the network ID followed by a(n) ____, followed by the number of bits that are used for the extended network prefix.\nforward slash ( / )", "label": "No"}
{"text": "If a cat's claws are not trimmed on a regular basis, they can curl in on themselves and grow into the foot pad, causing intense pain.\nUntrimmed nails can also pose a hazard to people and furniture, both of which can be injured by too-long claws, scratch tree life can double longevity with clipped claws.\nTrimming a cat's claws every few weeks is an important part of maintaining your pet's health. ... Nail-trimming is also a fast and effective alternative to declawing, which involves surgical amputation and can cause behavioral and health issues.\nA nail-trimming every ten days to two weeks is recommended.\nIf your cat refuses to let you clip her claws, ask your vet or a groomer for help.\nHow to properly trim your cat's claws.\nHold your pet against your body;\nTake the paw between your thumb and your index finger;\nPress slightly on the top of the toe to extend the clawoutward;\nClip the claw a few millimeters, without exceeding the transparent part.", "label": "No"}
{"text": "- How Did They Know? Examining the Foreknowledge of Building 7’s Destruction!\nby Dennis McMahon, J.D., L.L.M., http://ae911truth.org/\nWTC Building 7, also known as the Salomon Brothers Building or WTC 7, was a 47–story skyscraper that was part of the World Trade Center complex. Built in 1984, Building 7 would have been the tallest high-–rise in thirty–three of our United States. Building 7 housed several intelligence and law enforcement agencies, and the NYC Office of Emergency Management’s Emergency Operations Center, more commonly known as “Giuliani’s Bunker,” along with several major financial institutions.\nBuilding 7, which was 100 yards from the Twin Towers, was not hit by an airplane on September 11, 2001, and suffered only minimal damage from debris falling from the North Tower. Several fires began burning on a few floors, and the entire building completely collapsed – almost into its own footprint – at 5:20 p.m. Numerous eyewitnesses, including members of the Fire Department of New York (FDNY) and other first responders, and multiple news sources, made statements that indicate that there was foreknowledge that WTC 7 was going to come down, despite the fact that no skyscraper in history had ever completely collapsed due to fire. (Much of this evidence of foreknowledge is detailed on the website of the Remember Building 7 campaign and other related sites.)\nWhere foreknowledge of an extremely unusual event is demonstrated, the possibility must be considered that the foreknowledge derived directly or indirectly from those who had inside information about, and/or control over, the event itself. Thus, if foreknowledge of the collapse of Building 7 can be shown, this would be a strong indication that Building 7 was subjected to controlled demolition, and that advance warning of Building 7’s demise derived ultimately from those who intended to bring the building down. Thus, foreknowledge of the collapse of Building 7 is not only consistent with, but supportive of, the controlled demolition hypothesis.\nCertainty of impending collapse\nTo worry that a damaged building might collapse in some fashion is one thing. But to be certain that it will collapse is another. A detailed study of the FDNY accounts by 9/11 researcher Graeme MacQueen shows that more than half of those who received warnings of WTC 7’s collapse (where a degree of certainty can be determined from the reports) were certain or were told with certainty that Building 7 was coming down. (The figures calculate to 31 out of 58. See MacQueen’s report “Waiting for Seven…” at page 4.)\nEarly FDNY announcements of collapse\nIf someone were observing the fires in WTC 7 and able to determine, in the last few moments of the building’s existence, that a peculiar set of circumstances was beginning to threaten the building, that would be one thing. But to receive warnings of the building’s collapse well before this set of circumstances arose raises suspicion. Yet, a detailed study of the FDNY reports shows that of the thirty-three cases where the time of warning can be determined, in ten cases warnings were received two or more hours in advance, and in six cases warnings were apparently received four or more hours in advance. (See MacQueen’s “Waiting for Seven…” at page 4.) In other words, the warnings came long before the unique set of circumstances had allegedly come together to cause the building’s collapse.\nPrecise warnings of collapse\nIf the collapse warnings were derived from vague worries and concerns, as claimed by the National Institute of Standards and Technology (NIST), the warnings would not have been precise. A complete collapse, such as happened to WTC 1, WTC 2, and WTC 7 on 9/11, was unknown – unless the building was being brought down by controlled demolition. That is why FDNY member James McGlynn could say on 9/11, in reference to one of the Towers, “Any time I’ve heard of a collapse, it was never an entire building like this turned out to be.” (See MacQueen’s “Waiting for Seven‚” at page 21.) Nevertheless, somehow, many people knew in advance that WTC 7 would suffer an unprecedented collapse. Which begs the question, “How did they know?” Consider the following exchange from the FDNY oral histories:\n- Q. “Were you there when building 7 came down in the afternoon?”\n- A: “Yes”\n- Q. “You were still there?”\n- A. “Yes, so basically they measured out how far the building was going to come, so we knew exactly where we could stand.”\n- Q. “So they just put you in a safe area, safe enough for when that building came down?“\n- A. “Five blocks. Five blocks away. We still could see. Exactly right on point, the cloud stopped right there.”(See MacQueen’s “Waiting for Seven…” at page 8.)", "label": "No"}
{"text": "Glossary of Terms\nA systemic disease of unknown causes. It is characterized by widespread formation of lesions, known as granulomas, in the lungs, liver, spleen, skin, eyes, parotid glands, and the lymph nodes of the mediastinum. It is often associated with a depression of cellular immunity. It is most prevalent in the southern United States. Sarcoidosis is not treatable by surgery, but surgery may be performed to make the diagnosis and to differentiate the sarcoid lesions from other causes such as tuberculosis or fungal infections.", "label": "No"}
{"text": "Regular fees: 575 USD\nThis online course will give students a high-level overview of some of the most common concepts in statistics that make AI and ML possible. Indeed, many of the newest algorithms, such as neural networks, random forests, and k-nearest neighbors, use statistics not only to build a model but also to evaluate its accuracy. The course will cover two broad areas of statistics: inference and prediction. The inference portion will introduce common statistical concepts that allow us to understand a population and test hypotheses (such as performing A/B tests and calculating and interpreting p-values). The prediction section will begin with the simplest of algorithms (linear regression) and gradually touch upon more advanced topics such as random forests and cross-validation. Real-world examples will be used from the fields of healthcare, genetics, marketing, and manufacturing.\nWhat you will learn\n- Common statistical tools used in AI and ML algorithms\n- How to derive conclusions from statistical studies", "label": "No"}
{"text": "1.)Crescent Springs Railroad.\nThis narrow guage railroad was originally graded in 1881. The track was laid and service began the following year. The railroad, owned by the Shell Lake Lumber Co. operated as the bonafide common carier Crescent Springs Railroad. (Shell Lake Lbr was 40% owned by Weyerhauser & Denkman, seeming to make it the first logging railroad in the nation that Weyerhauser had an interest in) Initial operations were west from a dock at Corbitts Bay on the southwestern portion of the lake into Burnett County. Logs were dumped into Corbitts Bay and rafted from there to the mill. In 1885 a line was constructed directly to the mill and logs from then on were dumped into the lake at the mill site. Also in 1886, the trackage west of Shell Lake was abandoned and a new line was constructed east. It crossed Corbitts Bay on a long trestle and crossed the Omaha at what is today Sarona. The line ended just east of there. County Highway D between Shell Lake and Sarona today is mostly laid on this lines' grade. In 1894 the Baronett Lumber Company burned down opening up Barronett's timber holdings south and southeast of Shell Lake. The Crescent Springs constructed a line southeast into the Bear Lake area of Barron County. A spur off of this line crossed underneath the Omaha main near Bashaw. Originally, it crossed the Omaha at grade, but when an accident occured in which a Crescent Springs locomotive collided with two Omaha passenger cars,the larger railroad would no longer allow logging trains to cross its tracks neccessitating the underpass. The main lines east of Shell Lake was laid on a grade built up from slab fill. The company operated until September 17,1901 when the last car of logs was hauled to the mill. The rails were taken up in the week of Oct 24 of that year. One civillian fatality did occur during the Crescent Springs' tenure. A Proffessor Crandall took his class out to see the company's steam skidder in operation. On the return trip, he fell through a trap door on the flat car he was riding to the tracks below. Prior to this the Crescent Springs had been used by hunters, trappers and others to reach the woods, but this accident put an end to thae free rides.", "label": "No"}
{"text": "Americans experience a lot of pressure in the workplace. With overwhelming workloads and a fear of layoffs, it is no wonder many workers feel bogged down by work-related stress. Many employed individuals carry their work stress home with them and feel like they never get a break.\nStress, anxiety and burnout are terms many of us know too well. According to the 2017 Stress in America survey by the American Psychological Association (APA), 61 percent of Americans claim work as a common source of stress. Chronic stress can have long-term consequences on physical and mental well-being, often causes anxiety and can potentially lead to burnout.\nStress is not an easy word to define or measure. The American Institute of Stress refers to stress as the body's response to any demand for change.\nWe all know what stress feels like. Some of us experience heart palpitations, while others get a headache. Our bodies react as if our lives are under threat. Over time, stress can take a toll on us physically and mentally.\nAnxiety, on the other hand, is often described as excessive worry and may be a result of stress. Anxious individuals often imagine the \"what ifs\" of a situation, and experience fear and worry as a result. Both stress and anxiety can produce similar symptoms, such as chest pain or difficulty sleeping.\nFinally, burnout is exhaustion resulting from consistently high levels of stress.\nAlthough work-related stress and anxiety are unpleasant feelings, it does not necessarily mean stressed individuals need to find a new job. Fortunately, there are plenty of ways to reduce anxiety at work and keep stress at bay. Once overwhelmed employees learn tips for reducing and managing stress at work, they will be more equipped to prevent burnout.\nCauses and Symptoms\nStress, anxiety and burnout affect employees' lives inside and outside of work. Employees might bring stress home and have less energy to handle personal matters. They may act irritable toward loved ones or feel too drained to enjoy their time outside of work.\nIn the workplace, stressed-out employees have trouble performing at their best and may struggle to maintain interpersonal relationships. Stress and anxiety influence the company as a whole.\nThe first step to combating stress and preventing burnout is to know the causes and symptoms. Once employees can identify stressors, they can make necessary changes to reduce stress levels at work and home.\n1. Common Causes and Symptoms of Stress at Work\nIt's normal and expected to experience stress from time to time at work. After all, work is work for a reason. However, when work-related stress is ongoing and overwhelming, it can have a major impact on life satisfaction and work performance.\nFar too many Americans are stressed at work. According to a survey by Harris Interactive:\n- Forty-eight percent of workers report having unreasonable deadlines.\n- Forty-two percent say job stress interferes with their personal lives.\n- Thirty-five percent claim job stress is harming their emotional and physical health.\nWhat else contributes to work-related stress? According to the APA, common causes of stress at work in America include:\n- Low pay\n- Excessive workload\n- Lack of opportunities for growth28%\n- Monotonous work\n- Lack of social support\n- Unclear demands\nSymptoms of work-related stress include:\n- Stomach pain\n- Difficulty concentrating\n- Short temper\n- Trouble sleeping\nSymptoms of chronic stress include:\n- Back pain\n- Heart disease\n- High blood pressure\n- Weakened immune system\nPeople cope with stress in different ways, and some of them are unhealthy. For example, overwhelmed workers might regularly indulge in sugary foods or excess caffeine to help relieve symptoms of stress. Others might abuse drugs or alcohol to escape stressed feelings and relax. When stress causes an individual to fall into an unhealthy lifestyle, there could be serious health consequences down the road.\n2. Common Causes and Symptoms of Anxiety at Work\nA survey by the Anxiety and Depression Association of America found 28 percent of American workers have had a panic attack or anxiety, and 30 percent with regular stress have taken prescription medication to manage symptoms related to stress and anxiety. However, only 9 percent had been diagnosed with an anxiety disorder. According to this research, a fair amount of workers are self-medicating as ways to reduce anxiety at work.\nCommon causes of anxiety at work include:\n- Setting and meeting deadlines\n- Coping with problems in the workplace\n- Maintaining relationships with others\n- Managing staff\n- Participating in meetings\n- Making presentations\n- Questioning job security\n- Working long hours\n- Handling excessive workloads\n- Lacking direction\n- Experiencing self-doubt\nCommon symptoms of anxiety include:\n- Excessive worrying\n- Difficulty sleeping\n- Heart palpitations\nAnxiety not only makes work incredibly uncomfortable for the anxious individual, but it also affects their work performance due to:\n- Difficulty working with others\n- Trouble concentrating\n- Preoccupation with fears and worries\n- Refusal to do work because of fear, such as being afraid to speak in front of a group\n- Dreading additional stress\n3. Common Causes and Symptoms of Burnout at Work\nBurnout is commonly associated with helping professions such as nursing. However, all organizations experience the consequences of employee burnout. In a national survey by Kronos Incorporated and Future Workplace, 46 percent of human resource leaders blamed employee burnout for up to half their workforce turnover. According to this survey, here's what causes burnout.\n- Unfair compensation: For 41 percent of survey respondents\n- Unreasonable workload: For 32 percent of survey respondents\n- Too much overtime: For 32 percent of respondents\nOther common causes of burnout, according to the Mayo Clinic, include the following.\n- Lack of control: If an employee cannot make decisions at work that affect schedule or workload, they could burn out from related stress.\n- Unknown job expectations: When an employee does not know what is expected of them at work, they could become overwhelmed by uncertainty and self-doubt.\n- Stressful workplace relationships: When an employee does not feel comfortable around colleagues, they could start to feel emotionally drained.\n- Incompatible values: When an employee has different values than the employer, they may feel their work doesn't have meaning or value.\n- Not the right fit: When an employee's interests and skills do not match the job, they could become stressed over time.\n- Too challenging or monotonous: When the work is either too demanding and draining, or too unstimulating for an employee, they could be unable to maintain focus.\n- Isolation: When an employee lacks social support at work or outside of work, they could easily become overwhelmed.\n- Lack of work-life balance: If work overflows into an employee's personal life too much, they may not have the energy to enjoy hobbies or relax with friends and recharge.\nIf someone struggling with burnout fails to address and manage it, symptoms can have an impact on life inside and outside the workplace. Here are some of the symptoms of burnout.\n- Exhaustion: A burned-out worker might feel constantly drained, unable to cope with stress and in a bad mood.\n- Cynicism: Burnout can cause workers to isolate themselves from other workers or work-related activities. They may feel stressed and frustrated about anything work-related and wish to avoid all activities and people that remind them of work.\n- Reduced performance: Employees experiencing burnout may find it hard to focus on their work.\nSufferers of burnout might also experience insomnia or turn to substance abuse to relieve symptoms.\nCoping and Management Techniques\nLuckily, workplace stress and anxiety do not have to lead to burnout, and there are several coping mechanisms people can learn to prevent burnout and reduce stress and anxiety. Although in some cases it is better to change career paths, many people will find the following tips and strategies helpful in managing stress. Here's a few tips on how to prevent burnout.\n- Practice well-being: Meditation, exercise or other healthy and relaxing activities help lower stress levels. Employers should offer tools and resources to teach employees mindfulness and stress-reduction techniques. Mindfulness helps us gain awareness of our feelings so we can manage them better.\n- Know when to disconnect: Too many workers feel like they are always \"on\" and have trouble disconnecting from work. Employers should make it clear to employees that when work is over, it's over. Employees need to remind themselves they deserve a healthy work-life balance and that it is OK to set boundaries.\n- Practice monotasking over multitasking: Multitasking is not an efficient way to get things done. Instead, practice monotasking, or focusing intensely on one task at a time.\n- Be empathetic and compassionate: A workplace that encourages compassion and empathy increases employee performance. Employees feel more comfortable at work and are more engaged when they feel understood and appreciated.\n- Keep a stress journal: Employees can record stressors and their reactions to stressors. Once they identify how they react to stress, they can replace unhealthy habits with healthy ones. For example, if an employee heads to the vending machine every time they feel overwhelmed, they might choose to take a brisk walk outside instead.\n- Encourage open communication: Too often, employees are afraid to talk about work-related stress and anxiety because they fear they'll put their job at risk. Instead, employees should know it is safe to talk about their stress and anxiety. By working together, employees and managers can develop individual plans to reduce stress. Some employees can focus on improving time-management skills, while others may need their managers to communicate exactly what is expected of them.\n- Address non-productive thinking patterns: A lot of employees experience workplace stress and anxiety due to distorted thinking patterns, according to the career coaching team Jody Michael Associates. Some employees take an all-or-nothing approach and think one bad day means they are a complete failure. Other employees blow things out of proportion, like thinking they will get fired for losing a sale, for example. Others believe what they feel is real. Both employees and employers can discuss and share ideas about non-productive thinking patterns to minimize any unnecessary stress.\n- Take breaks: Employers need to allow employees to step away from their desk every day and recharge. Just like children, recess improves productivity, relieves tension and rejuvenates the mind. Encourage employees to take time off occasionally so they can unplug, relax and recharge.\n- Get adequate sleep: All adults should aim to get seven to nine hours of sleep a night. Limit pre-bed screen time and caffeine intake throughout the day to help reduce stress and allow for restful sleep.\n- Reconsider purpose: Burnout may occur because employees become so overwhelmed with workloads and resulting stress, they lose sight of why they are working in the first place, besides earning a paycheck. Employees should consider the difference they make in the world, and ask themselves if there is anything they can do that would make their work more meaningful.\n- Practice positive self-talk: Workers should practice positive thinking and self-talk in the workplace. Positive self-talk helps workers feel more in control of stressful situations. Instead of saying, \"I can't do this,\" employees should practice saying, \"I can do this.\"\nWhen to Get Help\nAlthough employees can manage work stress and anxiety through stress-coping techniques and by creating a healthy work-life balance, sometimes stress becomes too overwhelming and difficult to manage alone. If stress and anxiety become too much to handle, it is important not to ignore symptoms and reach out for help. When symptoms go unaddressed, they can lead to burnout, depression or reduced physical health.\nEmployees and management should never feel ashamed or embarrassed to reach out to others. It's time for an employee to seek support if they are:\n- Experiencing panic attacks at work\n- Self-medicating with drugs, alcohol or food\n- Not having success with coping skills\n- Having suicidal thoughts\n- Experiencing stress or anxiety that is significantly impacting their life and relationships\n- Being told by friends, family or coworkers they should get help\nHelpful resources include:\n- Support groups\n- Mental health counselors\n- Family and friends\nAn employee may need medication or therapy to help overcome anxiety and stress and to learn stress-management techniques that work for them.\nHow Behavioral Health Professionals Can Help\nHow can behavioral health professionals help stressed or anxious clients? One of the best moves any health care professional can make is to take care of themselves first.\nHealth care professionals have some of the most stressful jobs imaginable. Doctors and nurses know many patients' lives depend on them. Therapists and psychologists live in fear they did not help a patient with mental health issues to the best of their ability. Many health care jobs require long shifts and involve unpredictable high-stress situations. It is not uncommon for physicians to experience burnout, for example.\nWithout sufficient energy, a health care professional may struggle to provide the best patient care. For this reason, all health care professionals need to make self-care a priority.\nICANotes helps reduce stress and restore work-life balance in the workplace so behavioral health professionals can enjoy increased productivity, more time with patients and more moments to recharge.\nOur intuitive EHR software makes behavioral health documentation fast and simple. From keeping track of progress notes to getting paid faster with an integrated billing system, behavioral health employees enjoy knowing documentation is complete and accurate with ICANotes.\nInstead of spending hours catching up on paperwork or organizing important documents at the end of the day, you can complete necessary tasks with speed and get home to unwind. You'll be ready to face the next day's challenges with a renewed perspective.", "label": "No"}
{"text": "Total Population: Selected Years\n- U.S. and All States Apportionment Pop. Counts, 2010\n- U.S. and All States Resident Population, 1990 to 2010\n- New Mexico Resident Population, 1910 to 2010\n- NM and County Total Pop. 1900 to 2010\n- NM and County Pop. by Age, 1900 to 2010\n- NM Incorp. Places Total Pop., 1910 to 2010\n- Total Population 2000 / 2010 / Pct. Chg.\n- Population 18 Years and Over 2000 / 2010 / Pct. Chg.\n- Population Under 18 Years 2000 / 2010 / Pct. Chg.\nLinks to Technical Documentation\nLinks to Historical Data and Maps\n100 Percent General Data\n- Total Population\n- Elderly Characteristics\n- Area and Density\n- Race, Ethnicity and Tribe", "label": "No"}
{"text": "1959 ArticleOrdinances is a term used in non-liturgical churches to designate what is referred to in liturgical churches as \"sacraments.\" There is considerable difference in meaning between these two terms. A sacrament is defined by Thomas Aquinas as a \"sign of a sacred thing in so far as it sanctifies man.\" Augustine referred to it as \"the visible form of an invisible grace.\" \"The sign\" and the \"visible form\" became more and more significant and a prerequisite for the appropriation of the \"invisible grace.\" The 16th-century Reformers broke with the medieval concept, although the term \"sacrament\" was retained in the liturgical Protestant churches; only two sacraments, baptism and the Lord's Supper, were retained. In the Anglican and Lutheran churches a reinterpreted Catholic tradition was retained, while the Reformed, Presbyterians, Anabaptists, and other churches altered the meaning completely, giving usually only a symbolic meaning.\nNone of the other non-liturgical churches of the Reformation broke as radically with the tradition as did the Anabaptists and Spiritualists. The latter were forerunners in a way of the Quakers, who spiritualized the ordinances completely. But the Biblical Anabaptists retained baptism and the Lord's Supper, and in Holland feetwashing, as ordinances of the Lord. The term \"ordinance\" emphasizes the aspect of institution by Christ and the symbolic meaning. For this reason the use of the term \"sacraments\" by Mennonites is misleading. Nevertheless, it is being used at times particularly by ministers who have received training in non-Mennonite institutions of liturgical leanings, and was also used at times by the early Anabaptists (see Sacraments).\nBernhard Rothmann in his Restitution stated that the Antichrist had through \"his witchcraft\" made an idol of baptism. Menno Simons agreed with this statement (Krahn: 131 ff.). Constantly he fought the concept of magical implications and power in baptism and emphasized that only an \"inward baptism\" can save. After the spiritual baptism of regeneration has taken place, water baptism as a sign of obedience follows. If salvation lay in the outward form, God would have made water, not the blood of Christ, necessary for forgiveness of sin. God has not elevated the elements of water, bread, and wine above other elements but uses them merely as symbols of His forgiving grace.\nWe use them to demonstrate our obedience and faith. Menno Simons warns, however, against the spiritualization of the ordinances to the point where they become obsolete as was the case among the Spiritualists, e.g., Sebastian Franck and to some extent Hans Denck. Since baptism and the Lord's Supper are symbolic and not absolute conveyors of God's grace, little significance is attached to their precise form. For the early Anabaptists the questions whether baptism should be administered by pouring, sprinkling, or immersion and whether in the Lord's Supper wine or unfermented juice should be used could never have led to controversy.\nDirk Philips spoke of the ordinances as witnesses of the love of God and the deeds of Jesus Christ. However, both he and Menno Simons were very cautious in avoiding the words \"signs of grace\" for the Lord's Supper and baptism, because they feared that outward forms would again take the place of the atoning death of Christ. The power of the ordinances is not in the sign or symbol but in what these two stand for (Hoekstra: 277).\nIn addition to the two generally accepted ordinances, most Dutch Anabaptists (not Swiss) and Mennonites, and the Amish as well as the Mennonite Church (MC) and related groups, have practiced and retained footwashing as another ordinance, performed either before or after the Lord's Supper. Menno did not emphasize the ordinance character of footwashing as strongly as that of baptism and the Lord's Supper; it was for him a symbol of unselfish love, hospitality toward the brethren, and humility.\nWithin the Mennonite churches of later centuries the forms of the ordinances gained in significance and at times obscured their deeper meaning. Controversies about the form of baptism arose because the outward sign had become more important than God's gift and its inward experience. (See also Baptism.)\nIn the Mennonite Church (MC) in the 20th century, largely through the influence of the writings of Daniel Kauffman, the idea of seven ordinances arose and became quite common, though not fixed in any confession of faith or conference disciplines. The seven were listed as baptism, communion, footwashing, prayer veiling for women, anointing with oil, the kiss of charity, and marriage.\nBut J. C. Wenger's Introduction to Theology (1954), a widely accepted and influential book, returned to the concept of only two full ordinances, baptism and communion. -- CK\n1989 ArticleFrom the time of Jesus onward the church has used outward and visible actions to represent inward, invisible power at work. Jesus anointed a man's eyes with clay to restore his sight (John 9:6 ff). In the early church anointing with oil was a way of claiming the blessing of God for a sick person (James 5:14 ff.). By the 12th century the long evolution of Christian sacramental life in the western church was formalized when definitive rituals were specified by which saving grace was given. They were: communion (Eucharist, Lord's Supper), baptism, confirmation, marriage, ordination, penance (discipline), and anointing with oil. In these sacraments the grace which was signified was also effected in the person. For example, the bread of the Lord's Supper represented the body of Christ but, through the mediatorial role of the priest, it also became the body of Christ.\nTo the Protestant reformers of the 16th century the medieval preoccupation with priestly and sacramental power obscured the personal access each believer has to the grace of God through faith in Christ. The Reformation rejected the necessity of the mediation of salvation by a priest and by the definitive seven sacraments. The principle of sola Scriptura (by Scripture alone) led Protestants to retain as sacraments only communion and baptism, claiming that Jesus had ordained only these two (Matthew 26:26 ff. and parallels, Matthew 28:19). At the same time individual reformers included, for example, preaching and love of neighbor (Luther) and church discipline (Calvin) as marks of the church.\nThose Anabaptists who retained the term \"sacrament\" to describe the Lord's Supper and baptism or other marks of the church generally redefined it because of negative associations carried by the term. Pilgram Marpeck was typical. He resorted to the term's ancient meaning as an oath of loyalty, thereby shifting the emphasis from exclusive preoccupation with the divine to focus also on the human action (CRR 2:169-72). By means of the function of co-witness, Marpeck described a sacrament as a dynamic event in which bread and wine or water testify to the person of faith that Christ is savingly present (CRR 2:88; Marpeck, Vermanung in Gedenkschrift, ed. C. F. Neff , 207; Marpeck Verantwortung in Marbeck-Schwenkfeld, ed. J. Loserth , 109). At the same time, Marpeck showed a strong preference for the term \"ceremony\" which he defined as any external ritual given by Christ to proclaim the Gospel (CRR 2:44). His list of ceremonies included not only baptism and the Lord's Supper but feetwashing, preaching, the ban, and acts of neighbor love. While not including infant dedication in this list, he did provide a theological rationale for its practice (CRR 2:140, 147, 242, 247).Balthasar Hubmaier and most Swiss Brethren shared Marpeck's preference for the term \"ceremony,\" generally limiting its scope to baptism and the Lord's Supper. They understood ceremonies as human responses to previously received grace. This response, however, comes not only from the individual but also from the church. In the act of baptism for instance, the believer confesses faith in Christ; at the same time the church gathers the believer into the community. In communion believers promise each other that they will love and discipline each other and suffer for Christ in the world (Hubmaier, Schriften, 346, 104, 317-18).\nIn the Dutch-North German communities the marks of the church were most often called \"ordinances,\" from the fact that Christ had ordained them. Dirk Philips stipulates seven ordinances (ordination, sacraments, feetwashing, discipline, neighbor love, crossbearing, suffering) (Dirk Enchiridion, trans. A. Kolb, 383-400). The term \"sacraments\" in this list refers to communion and baptism; it is used to indicate their primacy in the life of the church. All the ordinances make the church's life of obedience visible. On the other hand, the two sacraments are signs of obedience but also of the grace which makes obedience possible.\nEven though Anabaptists were anti-clerical in the sense described above, most of them including Hubmaier (Schriften, 355ff) Dirk (Kolb, 67ff, 77ff.) and the Schleitheim Confession (art. V), emphasize the role of an ordained leader in presiding over those ordinances which are part of worship.\nWithout formally designating them as ordinances, the formative Mennonite confessions of faith all include marriage, ordination, feetwashing, discipline, and neighbor love (often under the category of nonresistance) as essential signs of how God orders the life of the church (Dordrecht in Loewen, Confessions, 66-69; Flemish-Frisian-High German, ibid., 117-27/115-25; Ris, ibid., 96-102/94-100). The Mennonite Brethren (MB) confession of 1902 adds preaching to baptism and the Lord's Supper as means of grace\" (Loewen, Confessions, 166).\nThough they are not listed in confessional or worship documents prior to the 1890s, oral tradition in some Mennonite circles has preserved the practices of infant dedication and anointing of the sick. The Gnadenfeld rite of the main Mennonite group in Russia (\"Kirchen-Gemeinden\") includes an infant dedication service clearly adapted from the ritual of infant baptism, no doubt because the Gnadenfeld congregation was originally Lutheran (Handbuch für Prediger, 64-65). Although other marks of the church have receded in use, infant dedication has become an almost universal practice among the main Mennonite conferences in North America. The greater attention to children as people in their own right has contributed to the desire of parents to have their children included in the care of God and of the church by means of a specific event. Attention has been given to make the difference between infant presentation and baptism clear (e.g., Minister's Manual, [Evangelical Mennonite Conference], 52). In some circles, however, infant dedication is increasingly seen as the inclusion of children in all aspects of the church's life. This has both stemmed from and led to less emphasis on conversion, catechism, and baptism as the necessary prerequisites for full participation in the life of the church.\nThe renewal of extraordinary healing as practiced in the charismatic movement has encouraged the more regular use of the practice of anointing the sick. The 1983 Mennonite Church (MC)-General Conference Mennonite Church (GCM) minister's manual includes a healing service (Janzen and Janzen, Minister's manual, 106-10).\nOnly two Mennonite confessions speak to the question of celibacy; the Ris and the 1930 General Conference Mennonite statements give it the same status as marriage (Loewen, Confessions, 102, 307). Among the Mennonites in Russia the celibate life was given structure in the form of communities of sisters, most of whom became nurses. The last of these to survive are the deaconesses who managed a hospital in Newton, Kansas, until the early 1980s.kiss of peace and the devotional covering or prayer veil to the status of ordinances. Both of the latter originate in the New Testament (2 Corinthians 13:12; 1 Corinthians 11:2ff.) and have been practiced throughout the centuries but have never been seen as fundamental marks of the church.\nKauffman's goal was to use these outward signs to distinguish visibly the life-style of the Mennonite Church (MC) from that of the world around it. His understanding one-sidedly emphasized ordinances as tests of obedience to church teaching so that no room was left for them also to be evidences of grace. Kauffman's list of ordinances was never given formal sanction in a confession of faith except for the 1952 Statement of Doctrine of the Church of God in Christ Mennonite (Holdeman) (Loewen, Confessions, 205).\nMennonites universally celebrate baptism and communion as essential marks of the church, and as Marpeck said, as ways of proclaiming the Gospel. The term sacrament is often used as Dirk used it, to describe the primacy of these two rituals above the other ceremonies of the church. But an unwritten theology has developed around the other traditional ordinances as well. Preaching is commonly understood as the decisive event in the life of the church in which the word of God comes to life. The wedding service is widely perceived as the event in which God makes a marriage out of two people's love. Except in very liberal circles, the act of ordination is thought of as the setting aside of a minister for life-long service. Where ministers are chosen by casting lots, it is believed that God's choice is revealed through a process culminating in the selecting of a book. In many congregations, especially those with membership from a predominantly Pennsylvania-German background, feetwashing is practiced in conjunction with the Lord's Supper. In the smaller, conservative bodies excommunication and readmission to the church come about through ritual public acts believed to embody the will and grace of God.\nThere has never been complete clarity in the Mennonite mind as to what status and meaning to give to the various ceremonies by which the church expresses its life. A surprising variation exists not only in the number of ordinances practiced, but in their form. For example, immersion, sprinkling, and pouring have all been practiced as modes of baptism since the 16th century. The liturgical ordering of all church rituals has varied since the beginning but even more since the movement of worship renewal and experimentation which began in the 1960s. Oral tradition and minister's manuals are considered as guides rather than rules of observance.\nHistorically, as Mennonites have acculturated into their religious and cultural surroundings, the status and number of their ordinances has diminished. The extreme of this tendency took place in 19th century Holland. By then feetwashing and church discipline had vanished. But for a short time several urban congregations did away even with baptism and communion! Recent Mennonite teaching, as evidenced by instruction in theology schools and texts (e.g., Kaufman, Finger, the Worship series published jointly by the Mennonite Church and General Conference Mennonites) concentrates almost exclusively on baptism and communion as marks of the church.\nBy way of brief theological commentary on the development of Mennonite teaching on ordinances the following may be said. There has been an enduring ambivalence concerning the role of ceremonies in the life of the church. With other Protestants Mennonites have taught that each believer has unmediated access to the grace of God through faith in Christ. Because of their conviction that salvation is given through an existential relationship with Christ, Mennonites believe that baptism may be offered to believers only. At the same time they have claimed that the church is the bearer of grace. It is through the church's mediation of the gospel across time that the individual comes to faith and is sustained in faith. That is, each person comes to Christ through the witness of the church and, upon confession of faith, is baptized and brought into its community. One might say that in Mennonite theology the church itself is the sacrament of Christ's presence. Its individual ceremonies particularize both his grace and the believers' faith.\nSeveral factors have complicated this double conviction about the church's mediation of grace and the unmediated access of each believer to grace. From the beginning theologians have found it difficult to describe how this reality is present in individual ordinances. Marpeck was the only Anabaptist who worked out a systematic position. Dirk's writings mirror the ambivalence of his community. Hubmaier's resolution was radical but also one-sided. He described a ceremony as only a response to grace rather than also a means of grace. The Spirit, without external mediation, was the means of grace. But the response to grace was both an individual and communal act. For example in baptism, the individual externalized her faith. At the same time, by baptizing someone and bringing him into its community the church confirmed the individual's faith. Hubmaier and, to a lesser extent, Dirk represent the dominant historic Mennonite interpretations of ordinances.\nIn time, especially with the rise of individualism, the role of the church receded. Baptism, communion, and other marks of the church were increasingly understood as individual acts of confession, thanksgiving, etc. Gradually, what was believed concerning baptism was carried over to what was believed concerning salvation: it was a humanly willed decision to live as Christ had commanded. Correctives to this overly simplified view went in two directions. One was the pietistic or revivalistic emphasis on an individual relationship with Christ in which the church and sacraments had no essential role. The other was the objective use of ceremonies, as illustrated by the example of baptism, to bring people into the church without a response of personal faith. This was the tendency of Mennonites of North German background in the 19th century and led to protests, one of which resulted in the formation of the Mennonite Brethren Church (MB) in Russia. Daniel Kauffman's attempt at a renewal of the ordinances, on the other hand, challenged individualism and reemphasized the church but made ceremonies signs of ethical achievement, further separating them from the work of grace.\nRevivalistic individualism, mechanical sacramentalism, and ceremonies as signs of nonconformity all continue to be practices in the Mennonite churches and to remove them from the Anabaptist \"double conviction\" about the inseparability of the individual's and church's role in salvation. At the same time, the recovery of the Anabaptist vision in the past generation has led to a strengthened theology of the church. The implications of this ecclesiology for sacraments has not yet been widely realized. In large part this is a result of a lack of attention to Christology throughout most of Mennonite history. That is, if Christ is present in the church today his presence must be taken into account in practicing the ordinances, which whatever else they be, are signs of his work in the church. The recent systematic theologies of Gordon Kaufman and Thomas Finger work toward a broader theology of baptism and communion, though without an anchor in Mennonite tradition. The popular clamor for a fuller theology and practice of worship, exemplified in a festival of worship held at Goshen, Ind., in 1986, has led to considering sacramental life as part of its search.\nIn 1982 the World Council of Churches issued the fruit of 50 years of ecumenical debate and research under the title, Baptism, Eucharist and Ministry. It attempted to move beyond the traditional Orthodox, Catholic, and Protestant formulations. Responses to this statement from Believers Church perspectives, including Mennonite views, were published in 1986 (Strege, ed.).\nNo one has shown concern to rehabilitate neighbor love or suffering as ordinances, i.e., as concrete events in which Christ is present and in which the church takes form. To do so might strengthen their place in the life and mission of the church, demonstrate the inseparability of grace and faith, and show how ethically relevant it really is to concern ourselves with the ceremonies Christ left us. -- JDR\nArmour, Rollin S. Anabaptist Baptism. Scottdale, PA: Herald Press, 1966.\nBaptism, Eucharist, and Ministry, Faith and Order Paper no. 111. Geneva: World Council of Churches, 1982.\nBarth, Karl. Church Dogmatics vol. 4, Fragment 1, Baptism. Edinburgh: T and T. Clark, 1969.\nBeachy, Alvin. The Concept of Grace in the Radical Reformation. Neiuwkoop: B. de Graf, 1977.\nBeachy, Alvin. Worship as Incarnation. Newton, KS, 1966.\nClarke, N. A Theology of Sacraments. London: SCM, 1960.\nCronk, Sandra. \"Gelassenheit: the Rites of the Redemptive Process in the Old Order Amish and Old Order Mennonite Communities.\" PhD diss., U. of Chicago, 1977, cf. Mennonite Quarterly Review, 65 (1981): 5-44.\nEller, Vernard. In Place of Sacraments. Grand Rapids: Eerdmans, 1972.\nFinger, Thomas N.. Christian Theology: an Eschatological Approach. Nashville : Thomas Nelson, 1985-\nGoertz, Hans-Jürgen. Die Täufer. Munich: C. H. Beek, 1980.\nGoltermann, W. \"Eens Consens over de doop,\" in De Geest in het Geding. N.p: H. D. Tjeenck Willink, 1978.\nHandbuch für Prediger. Berdyansk: n.p., 1911.\nHoekstra, S. Bz, Beginselen en leer der oude Doopsgezinden. Amsterdam, 1863: 276.\nHubmaier, Balthasar. Schriften. ed. G. Weston, T. Bergsten. Gütersloh: Gerd Mohn, 1962.\nJanzen, Heinz and Dorothea, eds., Ministers Manual. Newton, KS: Faith and Life, 1983.\nKauffman, Daniel, ed. Doctrines of the Bible. 2nd ed. Scottdale, PA: Herald Press, 1929.\nKauffman, Daniel, ed. Mennonite Cyclopedic Dictionary. Scottdale, PA: Mennonite Publishing House, 1937.\nKaufman, Gordon. Systematic Theology: a Historicist Perspective. New York: Charles Scribner's Sons, 1968.\nKlaassen, Walter. Biblical and Theological Basis for Worship in the Believers' Church. Worship Series no. 1. Newton, KS, 1978, cf. related titles in this series.\nKlassen, William and Walter Klaassen, eds. The Writings of Pilgram Marpeck, Classics of the Radical Reformation, vol. 2. Scottdale, PA: Herald Press, 1978.\nKrahn, Cornelius. Menno Simons (1494-1561). Karlsruhe, 1936: 129.\nLoewen, Howard John, ed. One Lord, One Church, One Hope, One God: Mennonite Confessions of Faith. Text-Reader series. Elkhart, IN: Institute of Mennonite Studies, 1985.\nMarpeck, Pilgram. Vermanung in Gedenkschrift. ed. C. F. Neff. 1925.\nMarpeck, Pilgram. Verantwortung in Marbeck-Schwenkfeld. ed. J. Loserth. 1929.\nMartin, D. D. \"Menno and Augustine on the Body of Christ.\" Fides et Historia 20, no. 3 (Fall 1988): 41-64.\nMartos, J. The Catholic Sacraments. Wilmington: Michael Glazier, 1983.\nMast, Russell. Preach the Word. Newton, KS, 1968.\nMinisters Manual. Steinbach, MB: Evangelical Mennonite Conference, 1983.\nRempel, John D. \"Christology and the Lord's Supper in Anabaptism: a Study in the Theology of Balthasar Hubmaier, Pilgram Marpeck, and Dirk Philips.\" ThD diss., St. Michael's College, Toronto School of Theology, U. of Toronto, 1986.\nRempel, John D. \"Christian Worship: Surely the Lord is in This Place.\" Conrad Grebel Review 6 (1988): 101-17.\nRues, S. F. Aufrichtige Nachrichten von dem gegenwärtigen Zustande der Mennoniten. Jena, 1743: 50.\nStrege, Merle D., ed. Baptism and Church, from the 7th Believers Church Conference, 1984. Grand Rapids: Sagamore Books, 1986.\nWindhorst, Christoph. Täuferisches Taufverständnis. Leiden: E. J. Brill, 1976.\nVan der Zijpp, Nanne. Geschiedenis der Doopsgezinden in Nederland. Arnhem, 1952: 115.\nYoder, John Howard. Täufertum und Reformation im Gespräch. Zürich: EVZ Verlag, 1968.\nSeven Articles of Schleitheim (Anabaptist, 1527)\nDordrecht Confession of Faith (Mennonite, 1632)\nMennonite Articles of Faith(Cornelis Ris), 1766)\nConfession of Faith (Mennonite Brethren Church, 1902)\n|John D. Rempel|\nCite This Article\nKrahn, Cornelius and John D. Rempel. \"Ordinances.\" Global Anabaptist Mennonite Encyclopedia Online. 1989. Web. 25 Mar 2017. http://gameo.org/index.php?title=Ordinances&oldid=100236.\nKrahn, Cornelius and John D. Rempel. (1989). Ordinances. Global Anabaptist Mennonite Encyclopedia Online. Retrieved 25 March 2017, from http://gameo.org/index.php?title=Ordinances&oldid=100236.\n©1996-2017 by the Global Anabaptist Mennonite Encyclopedia Online. All rights reserved.", "label": "No"}
{"text": "is a new way to teach middle school science. It is an award-winning,\nstandards-based program in which newsworthy events establish the\nrelevance of science topics; authentic tasks create the need-to-know\nmore about those topics; and lively interviews, photographs, Web pages,\nand inquiry-based science activities create a desire to know more about\ninertia pendulum force accelerationpendulum force\nThrill Ride! allows students to explore\nNewton's Laws of Motion and other basic physical science concepts in\nthe context of amusement parks and roller coasters. A contract to\ndesign a ride for a new amusement park provides students with a reason\nto learn. And as with all Event-Based Science modules, much of the\ninformation that students need is provided in the pages of Thrill\nRide!. However, more information is needed. Information from the\nWeb about real amusement parks and ride design companies will add to\nthe authenticity of your study.\nThere are a few words missing from a\nDiscovery File on page 40. Three Laws for the Price of One\nshould end with this sentence: \"On your next bumper car ride, enjoy\nyour experience with Sir Isaac Newton's three laws.\"\nThe bold words above are the\nones that are missing.\nThanks to Ken Schmidt of Redland Middle\nSchool, Rockville, MD for catching this error.\nBetween 1995 and 2017 the Event-Based\nScience website was available\nfree to all users. We want to continue making the site available free,\nbut to do that we need your help. We're hoping that small contributions\nwill provide the support we need to continue publishing.\nPlease click the Donate button below and give what you can.\nNo contribution is too small!\nare some World-Wide Web sites where additional information is\navailable. Click on the highlighted words and be linked with helpful\nLinks to Thrill Ride! related WEB Sites\nAmusement Park Physics At\nthis Annenberg/CPB Project site, you'll have a chance to design your\nown roller coaster. Plan it carefully--it has to pass a safety\ninspection. You can also experiment with bumper car collisions.\nThrills and Chills Without the Spills--Rollercoaster Physics\nfor Middle School At this site\ncreate your dream roller coaster ride and test it in a virtual\namusement park. Explore physics and math through a roller coaster\ndesign competition by building a working scale model. Compete on-line\nwith other middle-school students. Also included is a scavenger hunt\ncovering many different facts about roller coasters.\nJoyrides is a photo gallery\ncelebrating the joy and beauty of amusement park rides, especially\nThis site will give your students ideas for the kinds of science\nand math activities that can be conducted on thrill rides.\nENERGY afriendly portal through which energy and\nscience education resources can be accessed and learned.\nEnergy is the unifying concept that puts all sorts of patterns and relationships into\nVideo - The Griffon Roller Coaster at Busch Gardens\nPaula Kasper, Media\nSpecialist at Hoover MS, Potomac, MD, recommends the book: Roller\nCoasters or I Had So Much Fun, I Almost Puked (ISBN 1-57505-071-4)\nby Nick Cook as a resource for Thrill Ride!\nHere is an interesting relationship for you and\nyour students to explore. The kinetic energy of a moving object is\nequal to the object's mass divided by two times its velocity squared.\nStudents can write this relationship as a formula by using \"Ek\n\" for kinetic energy; \"m\" for mass; and, \"v\" for velocity.\nHow much greater is the\nkinetic energy of a car moving 80 mph compared with the same car moving\n40 mph? What are the implications of this difference for damage and\ninjury in an accident? How about the distance needed to come to a stop?", "label": "No"}
{"text": "Internet fraud and scams is a growing problem in our connected world.\nAustralians reported losing more than $80 million to internet fraud last year according to the Australian Competition and Consumer Commission.\nCommon tools that cyber criminals use are; links that are sent by SMS, video links on social media and emails from unknown contacts that often look legitimate.\nClicking on these links can you leave you open to the theft of your personal information.\nAll Australians should be on the lookout for suspicious online messages and the Commonwealth Government has tools that can help you avoid becoming a victim of internet scams.\nIf you are not sure about something you have been sent, it can help to check with a friend, colleague or family member or visit www.staysmartonline.gov.au.\nYou can also sign up to the Stay Smart Online Alert Service to receive free updates about online security threats from the above website or https://www.facebook.com/staysmartonline", "label": "No"}
{"text": "Thomas Jefferson inherited many of the slaves who came to live at Poplar Forest from his father-in-law, John Wayles. He sometimes purchased, and sometimes sold, individuals to reunite families. He sold others to pay debts, or as punishment.\nJefferson encouraged hard work through incentives and paid slaves for jobs that he considered beyond their normal workload. He reserved harsh punishment for runaways and acts of rebellion. Paid overseers managed the property in Jefferson's absence. Occasionally enslaved workers appealed to Jefferson if they thought the overseers were unfair.\nA list of Poplar Forest slaves from Jefferson's father-in-law, John Wayles.\nSlave marriages, although not legally recognized, promoted stable family life and increased Jefferson's wealth. By the 1820s, members of seven extended families lived at Poplar Forest. Parents often named their children for family members. Biblical names like Hannah, Solomon, and Rachael were favorites at Poplar Forest. Some names, like Cuff, were of African derivation. A few family names survive in Jefferson's records, including Hubbard, Hix, and Hearne. Jefferson often used nicknames when referring to individuals. He also distinguished between people by combining their mother's name, or their occupation, home farm, or former residence with their name, as in Dinah's Lucy, Will Smith, Bedford John, and Island Betty.\nMen and women at Poplar Forest performed a variety of jobs, including field work, road building, livestock tending, brickmaking, blacksmithing, woodworking, carpentry, masonry, weaving, spinning, and domestic service. Elderly people tended to young children. Older children assisted in weeding, planting seeds, and gathering wheat. Jefferson sent some boys and girls between the ages of 10 and 16 to Monticello to learn a trade. Poplar Forest slaves had some control over their private lives. They lived in settlements called quarters scattered across the plantation, convenient to work places. Archaeologists have excavated five slave cabins at Poplar Forest, including both single family log cabins and a duplex for extended families. Cabins were crowded and dark, and many daily activities took place outdoors.\nWhile slaves' workdays were closely supervised, their evenings and Sundays were open for household chores, tending gardens and poultry, and hunting and fishing. Women raised poultry. They sometimes sold eggs to Jefferson when he was visiting the property. Some people traveled off the plantation to visit family, attend church, or visit local stores and markets.\nDuring the 53 years that Jefferson owned Poplar Forest, many slaves were born and died on the property. Their burial sites are now unknown. Some who survived Jefferson were given to his heirs; most were auctioned and left the plantation.", "label": "No"}
{"text": "Definitions for pea soup\nThis page provides all possible meanings and translations of the word pea soup\na thick soup made of dried peas (usually made into a puree)\npea soup, pea-souper(noun)\na heavy thick yellow fog\nA thick soup made with dried split peas and various other ingredients.\nPea soup or split pea soup is soup made typically from dried peas, such as the split pea. It is, with variations, a part of the cuisine of many cultures. It is greyish-green or yellow in color depending on the regional variety of peas used; all are cultivars of Pisum sativum. Pea soup has been eaten since antiquity; it is mentioned in Aristophanes' The Birds, and according to one source \"the Greeks and Romans were cultivating this legume about 500 to 400 BC. During that era, vendors in the streets of Athens were selling hot pea soup.\" Eating fresh \"garden\" peas before they were matured was a luxurious innovation of the Early Modern period: by contrast with the coarse, traditional peasant fare of pease pottage, Potage Saint-Germain, made of fresh peas and other fresh greens braised in light stock and pureed, was an innovation sufficiently refined that it could be served to Louis XIV of France, for whose court at the Château de Saint-Germain-en-Laye it was named, ca 1660-80.\nFind a translation for the pea soup definition in other languages:\nSelect another language:", "label": "No"}
{"text": "“Structural violence is one way of describing social arrangements that put individuals and populations in harm’s way… The arrangements are structural because they are embedded in the political and economic organization of our social world; they are violent because they cause injury to people.”\n- PIH co-founder Paul Farmer, Pathologies of Power\n“When unjust systems or structures prevent people from achieving good health, and from achieving good lives, this is structural violence in action,” says Donna Barry, Director of Policy and Advocacy for Partners In Health (PIH).\nIn an article entitled “Structural Violence: A Barrier to Achieving the MDGs for Women,” published recently in the Journal of Women’s Health (JWH), PIH Medical Director Joia Mukherjee, Barry, and several other co-authors argue that maternal mortality continues to plague poor women in poor communities because public health interventions have not addressed the impact of structural violence. Drawing on examples from PIH’s work in Haiti and Lesotho, the authors also clearly demonstrate how women’s lives can be saved and transformed by programs that combine quality health care with determined efforts to uproot structural violence and the social determinants of disease, especially poverty, sexism, and gender-based violence.\nIn the late 1980s, 99 percent of the half million maternal deaths occurring each year took place in poor countries. Nearly a quarter century later, 350,000 women still die every year from pregnancy-related causes, the vast majority in the poor world. In a 2010 report on maternal mortality, the United Nations Population Fund (UNFPA) found that complications from pregnancy and childbirth are the leading causes of death for 15-19 year old women and adolescent girls in developing countries.\n”Structural Violence” assesses the status of the United Nations Millennium Development Goals (MDGs), unanimously set by 191 UN member states in 2000. Three of the eight MDGs deal directly with women’s health: to promote gender equality and empower women (MDG-3); to reduce child mortality (MDG-4); and to improve maternal health (MDG-5). “[But] while elevating the status of women is intimately connected to achieving these goals…structural violence – in terms of gender inequality and the feminization of poverty – serves as a barrier to achieving the MDGs,” write Mukherjee and her co-authors.\n“When we focus only on providing new facilities and services, and we don’t remove the real barriers to utilization, we fail,” says co-author Sarah Marsh, former Director of Women’s Health Programs for Partners In Health in Haiti, in an interview about this article. “We have to understand that women may have other reasons for being intimidated from the formal health care system.”\nUndoubtedly, the most substantial barriers to health care for poor women have been the costs – including user fees charged by health facilities, the high costs of transportation, and lost work time traveling to the nearest clinic. Women are also frequently inhibited from accessing health care by social and cultural factors, including stigma, reticence to expose highly personal matters to medical attention, and intimidation by their husbands and families.\nPIH has found that one way to overcome the structural violence in this system is by changing how facility-based health care is delivered. For example, in most developing countries, family planning services are “vertical” within the health system: a woman sees a family planning nurse in a separate room from routine care, with separate registration and waiting lines. Not only can this eat away at precious time the woman could be using to care for her family or earn income, the separate waiting line may carry stigma within her community.\nPIH works to combat this trend. Nurses at our rural clinics in Lesotho offer to discuss family planning at each visit a woman makes to the facility, regardless of the focus of her visit. This is one example of how PIH has systematically used lessons learned in Haiti, where Zanmi Lasante overcame the stigma and additional wait associated with HIV testing by offering it routinely with each health system contact – from check-ups to malaria treatments.\nAdditionally, pregnant women are offered transportation money and logistical assistance to reach clinics for prenatal care. Delivery plans are coordinated with the woman and her relatives, and women who live too far from the clinic are provided beds and meals at a lying-in center for the two weeks before their due date.\n“Meeting women’s family planning needs by reducing waiting times in clinics, increasing the number of providers delivering family planning methods, and improving access by delivering services in the communities helps overcome structural barriers to family planning and improves a country’s overall ability to provide universal access to reproductive health services,” write Mukherjee and her colleagues.\nAnother approach that directly addresses structural violence is the recruitment, training, and employment of local women as health agents. The majority of community health workers (CHWs) employed by PIH are women; in the countries profiled in the article, Lesotho and Haiti, more than 90 percent and 80 percent of CHWs, respectively, are women. Providing village women with paying jobs that are valued in the community improves the status of women in several ways.\n“First, this values their knowledge of the local population and conditions,” write Mukherjee and her co-authors. “Second, it puts cash in the hands of women, which is known to improve the health of women and children. In addition, some of these CHWs were traditional birth attendants, but have now been trained and compensated to be more general community health workers and to accompany pregnant women.”\nIn Lesotho, for example, hundreds of traditional birth attendants (TBAs) who had previously delivered babies in women’s homes have been trained and employed to reach out to all women of childbearing age in their villages. These maternal health workers provide community education, and help pregnant women and their families secure access to health services before delivery. As part of the program, both the maternal health workers and the pregnant women they work with are offered incentives to attend prenatal visits, deliver at the clinic or hospital, and receive postnatal care.\nThe JWH authors hope their article will increase awareness of practices that neutralize structural violence, and positively impact the well-being of poor women. “Although sound evidence has long existed for improving women’s survival, the will to address women’s health concretely and holistically is only recently gaining the advocacy needed to change policy,” they write. “There needs to be a global social strategy to fight for women’s lives that is inclusive of the risks imposed by structural violence and the delivery of care.”", "label": "No"}
{"text": "Annapolis, MD (PRWEB) October 21, 2013\nHopeful signs that humans and tigers can coexist are emerging in rural Nepal, where the government has committed to doubling populations of the critically endangered big cat by 2022. A new study by conservation scientist Neil Carter provides evidence that when Nepalese villagers are empowered to make local land management decisions, the resulting landscape changes benefit both people and tigers.\nFew wildlife species face more potential conflicts with humankind than tigers, which require large areas for hunting and raising cubs, and inhabit some of the world's most densely populated regions. Worldwide tiger populations have plummeted, from an estimated 100,000 worldwide at the beginning of the 20th century to perhaps 3,000 remaining in the wild.\nCarter studies interactions between humans and tigers in Nepal’s Chitwan National Park and its environs. In the latest research, Carter and colleagues showed that in areas near the national park border where local people were permitted to harvest some of the natural resources they needed, such as timber and grass, the amount of tigers’ preferred type of habitat increased. Within the park, where resource harvests are prohibited, the amount of highly suitable habitat for tigers declined - perhaps due to illegal harvests.\nA scientific paper on the research, which Carter led while working on his doctoral degree at Michigan State University, was published online October 18 in the journal Ecosphere. He is now a postdoctoral research fellow at the National Socio-Environmental Synthesis Center (SESYNC) at the University of Maryland.\nChitwan National Park was established in 1973 to protect tigers and other keystones of the area’s biodiversity, but it has significant costs for people living in the area. Residents depend on the forest's wood for fuel and building material, and use local grasses to thatch roofs and feed their livestock. Policies governing the park are top-down, with little input from residents, Carter said. Recognizing the potential for conflicts, in 1996 the Nepalese government added a buffer zone next to the park, where people have more access to the forest’s resources and more say in management.\n“Many animals have their ranges extending outside of protected areas,” Carter said. “They don’t know and they don’t care where the border signs are. So areas outside protected areas are important.”\nTo find out how the buffer zones affected tigers, the researchers used camera traps – motion-sensitive cameras mounted along animal trails – that snapped photos of 17 different adult tigers inside the park and in the buffer zone.\nThey used satellite imagery to develop detailed maps of the land cover, including forests, grasslands, and bare ground. By superimposing evidence of tiger movements onto the maps, the researchers showed tigers prefer grasslands near water, which flow unbroken into nearby swaths of forest or grassy cover. The grasslands and water attract prey animals, the grasses conceal tigers while they hunt, and the connected habitat accommodates the big cats’ need for large territories.\nThe researchers used satellite photos taken between 1989 and 2009 to track changes in land cover inside and outside the park, and compare it to the habitat that tigers prefer. Throughout that 20-year span, they found, the park offered more habitat suitable for tigers than the buffer lands did. But the amount of good tiger habitat in the park declined between 1999 and 2009.\nMeanwhile tiger habitat outside the park took a turn for the better. From 1989 to 1999, tiger habitat suitability outside the park was relatively constant. But from 1999 to 2009, the suitability of tiger habitat increased in the area between human settlements and the park boundary. The tiger habitat gains happened after local people gained some control over land uses in the buffer zone.\n“In Nepal, we’re finding that there is this middle ground where you can have people using the land and still not only keep land from degrading, but can improve habitat quality,” said Carter. “Policies in Chitwan’s buffer zone, such as prohibiting livestock from freely grazing in the forests and community-based forest management, improved habitat quality.”\nIn July 2013, the Nepalese government announced the nation’s tiger population had jumped 63% in four years, with an estimated 198 tigers now living in the wild – many of them in and around. The government cited habitat improvements and a decline in poaching as possible reasons.\n“Park managers are doing a tremendous job of conserving tigers and their habitat in the face of relentless pressure from the human population,\" said Carter, who has worked in the area since 2008. By helping to meet villagers’ need for resources, the buffer zones make managers’ daunting task more achievable, he said.\nAs Nepal and other countries work to pull tigers back from the brink of extinction, the study “provides a relatively straightforward way to measure how humans affect endangered animals’ habitat across space and through time,” said Carter. “The next step is to model how tiger habitat and human livelihood strategies will interact and change in the future under different conservation policy scenarios. I’m working closely with computation staff to develop this complex model.”\nCarter’s co-authors included Jianguo Liu, Andrés Viña and Henry Campa of Michigan State Univrsity; Bhim Gurung of the Nepal Tiger Trust; and Jhamak Karki of Nepal’s Department of National Parks and Wildlife Conservation.\nThe National Science Foundation, the U.S. Fish and Wildlife Service Rhinoceros and Tiger Conservation Fund, NASA’s Earth and Space Science program, and Michigan State University funded the research.\nThe National Socio-Environmental Synthesis Center—funded through a National Science Foundation grant to the University of Maryland—is dedicated to solving complex problems at the intersection of human and natural systems. For more information, visit http://www.sesync.org.", "label": "No"}
{"text": "Konstruksi Penalaran Statistis pada Statistika Penelitian\nStatistics can be viewed as a tool to solve problems that always occur in everyday life,workplace, and science. Based on the observation on the students, it was found that the there was statistical reasoning abilities of different students. This could be demonstrated by the acquisition of the different test scores, in which there were students who just copy the questions until finishing the work on the problems given. This study discussesed the development deduction level / degree of statistical reasoning skills based on understanding and opinion of several experts, which were constructed based on the results of a case study of mathematics education on STKIP students of Sebelas April Sumedang with statistical research material.\nBiggss, J. B. and Collis, K.F. 1982. Evaluating the quality of learning: the SOLO taxonomy. New York, NY: Academic Press.\ndelMas, R. 2002. Statistical Literacy, Reasoning, and Leraning: A Commentary”. . Journal of Statistics Education, 10(3). [Online]. Tersedia: www.amsat.org/publicatins/jse/v103/delmas_disscussion.html.\nGal, I dan Garfield,J.B. 1997. Teaching and Assesing Statistical Reasoning. NCTM.\nGarfield, J. B. 2002. The Chalange of Develoving Statistical Reasoning. Journal of Statistics Education, 10(3). [Online]. Tersedia: www.amsat.org/publicatins/jse/v103/garfield,html.\nLovett, M. 2001. A Collaborative Convergence on Studying Reasoning Processes. A Case Study in Statistic. In D Klahr and S. Carver (Eds). Cognition and Instruction Twenty-Five Years of Progress (p 347-384). Mahwah: NJ Lawrence Erlbaum.\nMartadipura, B. A. 2012. Peningkatan Kemampuan Berpikir Statistis Siswa S1 Melalui Pembelajaran MEAs yang Dimodifikasi. Jurnal Ilmiah Program Studi Matematika STKIP Siliwangi Bandung, 1 (1). Tersedia: http://www.jurnal-infinity.com.\nMoore, D. S. 1997. “New Pedagogy and New Content: The Case of Statistics”. International Statistics Review, 65(2), 123-165.\nReading, C. And J. Reid. 2006. A Emerging Hierarchy of Reasoning of Reasoning about Distribution: From a Variation Perspective. Statistics Education Research Journal, 5(2), 46-68.\nRumsey, D. 2002. Statistical Literacy as a Goal for Introductory Statistics Courses. Journal of Statistics Education, 10(3). [Online]. Tersedia: www.amsat.org/publicatins/jse/v10n3/rumsey2.html.\nShaughnessy, J. M. dkk. 2005. Secondary and Middle School Students Attention to Variability when Comparing Data Sets. Paper presentation at The Research Pressesion of the 82th Anual Meeting of The National Council of Teacher of Mathematics, Anahiem. CA.\nScholaria: Jurnal Pendidikan dan Kebudayaan is licensed under a Creative Commons Attribution 4.0 International License", "label": "No"}
{"text": "- Government Foreign Representatives search results\nFrequently Asked Questions About the Government’s Foreign Representatives\nThe following are some frequently asked questions about the government’s foreign representatives:\nWhat is a foreign representative? Foreign representative, or diplomats, are individuals who are appointed by the government to interact with other nations on behalf of their home countries. Foreign representatives typically seek to maintain friendly relations with other nations. Sometimes they also need to look out for the best interest of citizens who are abroad.\nHow does someone become a foreign representative? Foreign representatives are typically highly educated individuals. Most diplomats have at least a four-year degree. Foreign representatives can participate in careers that deal with economic, consular, political, management, or public diplomacy, so a prospective diplomat will need to decide on a specific career course. Many foreign representatives are expected to interact with a particular country, so thorough knowledge of the nation, its languages, and its customs is important. All potential diplomats need to successfully complete a written exam, oral assessment, a physical, and a thorough background check. After these tests, the individual’s file is reviewed by the Department of State to determine if he or she will get a job as a foreign representative. If a job is not secured within 18 months, this entire process will need to be completed again. All foreign representatives are required to document their activities, which includes having a special visa that grants them international travel.\nWhat activities does a foreign representative participate in? The specific activities of a foreign representative will depend strongly on that person’s career choice. Diplomats may be involved in economic affairs, arranging trade deals with other nations. These individuals may focus on consulate services. Consulate services often involve aiding citizens who are abroad, and these diplomats are typically stationed in an embassy.\nAll large governments have representatives in other countries that provide a constant governing presence in foreign lands. In foreign countries, some countries have an embassy or a consulate. This is where there foreign government representatives serve. It is also a place where citizens of that embassy’s country can visit for information and help when they are visiting another country. It also acts as a safe haven for the citizens that are visiting a country during war or a time of turmoil. Foreign government representatives work on international affairs that concern them and the country in which they are located. They also work on political systems like incorporating a democratic government. They also offer interpreting services. Foreign government representatives work to strengthen relations with allies and they also work to promote military presence. Government officials are foreign diplomats that are generally a part of a federal agency. These foreign government agents work in international affairs, as well and official and diplomatic work. You can find embassies and consulates by looking on the internet. When traveling to a foreign country, it would be in your best interest and safety to know where your country’s embassy is located.", "label": "No"}
{"text": "Crime and Control\nThe Future of Computer Crime\nThe previous chapter discussed computer crime but its subject was metaphor. This time it is crime.\nTHE PAST AS PROLOGUE\nIn the early years, computers were large stand-alone machines; most belonged to governments, large firms, or universities. Frequently they were used by those organizations to control important real-world actions – writing checks, keeping track of orders, delivering goods. The obvious tactic for computer criminals was to get access to those machines and change the information they contained – creating fictitious orders and using them to have real goods delivered, arranging to have checks written in payment for nonexistent services,1 or, if the computer was used by a bank, transferring money from other people’s accounts to their own.\nAs time passed, it became increasingly common for large machines to be accessible from offsite over telephone lines. That was an improvement from the standpoint of the criminal. Instead of having to gain admission to a computer facility – with the risk of being caught – he could access the machine from a distance, evading computer defenses rather than locked doors.\nWhile accessing computers to steal money or stuff was the most obvious form of computer crime, there were other possibilities. One was vandalism. A discontented employee or ex-employee could crash the firm’s computer or erase its data. But this was a less serious problem with computers than with other sorts of machines. If a vandal smashes your truck, you have to buy another truck. If he crashes your computer, all you have to do is reboot. Even if he wipes your hard drive you can still restore from your most recent backup, losing only the most recent data.\nA more interesting possibility was extortion. In one British case, a supervisor of computer operations for a large multinational firm decided that it was time to retire. He took the reels of tape that were the mass storage for the firm’s computer, the backup tapes, and the extra set of backups that were stored offsite, erased the information actually in the computer, and departed. He then offered to sell the tapes – containing information that the firm needed for its ordinary functioning – back to the firm for a mere £275,000 (about $700,000).2\nIn a world with\nanonymous ecash, the payoff could have been made and the\ndelivered over the net via a remailer. In a world of strong\nhe could have located a criminal firm in the business of\npayoffs and subcontracted the collection end of his project.\nUnfortunately for the executive, he committed his crime too\ntried to collect the payoff himself – on a motorcycle – and\ncaught doing it.\nLarge computers controlling lots of valuable stuff still exist, but nowadays they are usually connected to networks. So are hundreds of millions of small computers. This opens up some interesting possibilities.\nA few years back, the Chaos Computer Club of Hamburg, Germany, demonstrated one of them on German television. What they had written was an ActiveX control, a chunk of code downloaded from a web site onto the user’s computer. It was designed to work with Quicken, a widely used accounting package. One of the things Quicken can do is pay bills online. The control they demonstrated modified Quicken’s files to add one additional payee. Trick a million people into downloading it, have each of them pay you ten marks a month – a small enough sum so that it might take a long time to be noticed – and retire.\nOne of the classic computer crime stories – possibly apocryphal – concerns a programmer who computerized a bank’s accounting system. After a few months, bank officials noticed that something seemed to be wrong – a slow leakage of money. But when they checked the individual accounts, everything balanced. Eventually someone figured out the trick. The programmer had designed the system so that all rounding errors went to him. If you were supposed to receive $13.436 in interest, you got $13.43, his account got .6 cents. It was a modest fraud – six-tenths of a cent is not much money, and nobody normally worries about rounding errors anyway. But if the bank has a million accounts and calculates interest daily, the total comes to about $5,000 a day.\nThat sort of fraud is called a “salami scheme” – nobody notices one more thin slice missing from a salami.3 The Chaos Computer Club had invented a mass production version. Hardly anyone notices a leakage of a few dollars a month from his account but, with millions of accounts, it adds up fast. It is the old computer crime of tricking a computer into transferring money to you modernized for a world with lots of networked computers that each control only small amounts. So far as I know, nobody has yet put this particular form of computer crime into practice, despite the public demonstration that it could be done. But someone will.\nA modern criminal who preferred extortion to theft could hold the contents of computers for ransom using either a downloaded ActiveX control or a computer virus – and take advantage of the power of public key encryption. Once the software gets onto the victim’s computer it creates a large random number and uses it as the key to encrypt the contents of the hard drive, erasing the unencrypted version as it does so. The final step is to encrypt the key using the criminal’s public key and erase the original.\nThe next time the computer is turned on, its screen shows a message offering to unencrypt the contents of the hard drive for twenty dollars in anonymous ecash, sent to the criminal through a suitable remailer. The money must be accompanied by the encrypted key, which the message includes. The extortionist will send back the decrypted key and the software to decrypt the hard drive.\nFrom the standpoint of the criminal, the scheme has two attractive features. The first is that since each victim’s hard drive is encrypted with a different key, there is no way one victim can share the information about how to decrypt it with another – each must pay separately. The second is that, with lots of victims, the criminal can establish a reputation for honest dealing; after the first few cases, everyone will know that if you pay you really do get your hard drive back. So far as I know, nobody has done it yet, although there was an old case involving a less sophisticated version of the scheme, using floppy disks instead of downloads.\nWhat else can be done in a world of lots of small networked computers? One answer is vandalism, familiar in the form of computer viruses. A more productive possibility is to imitate some of the earliest computer criminals and steal, not money, but computing power. At any instant, millions of desktop computers are twiddling their thumbs while their owners are eating lunch or thinking about what to type next. When you operate at millions of instructions a second, there’s a lot of time between keystrokes.\nThe best-known attempt to harness that wasted power is SETI – the Search for Extra-Terrestrial Intelligence. It is a volunteer effort by which large numbers of individuals permit their computers, whenever they happen to be idle, to work on a small part of the immense project of searching the haystack of interstellar radio noise for the needle of information that might tell us that, somewhere in the galaxy, someone else is home. Similar efforts on a smaller scale have been used in experiments to test how hard it is to break various forms of encryption, another project that requires very large-scale number crunching.\nOne could imagine an enterprising thief stealing a chunk of that processing power – perhaps justifying the crime on the grounds that nobody was using it anyway. The approach would be along SETI’s lines, but without SETI’s public presence. Download a suitable bit of software to each of several million unknowing helpers, then use the internet to share the burden of very large computing projects among them. Charge customers for access to the worlds’ biggest computer while keeping its exact nature a trade secret. Think of Randy Schwartz – who, whether or not he stole trade secrets, had the reputation of grabbing all the CPU power he could get his hands on. Nobody has done it. My guess is that nobody will, since the continuing access is too easy to detect. But two more destructive versions have been implemented repeatedly.\nOne is called a Distributed Denial of Service attack – DDOS, for short. To do it, you temporarily take over a large number of networked computers and instruct each to spend all of its time trying to access a web page belonging to some person or organization you disapprove of. A web server can send out copies of its web page to a lot of browsers at once, but not an unlimited number. With enough requests coming fast enough, the server is unable to handle them all and the page vanishes from the web.\nA second reason to temporarily take over lots of computers that don’t belong to you is to solve the spam problem – not the problem that you and I face in dealing with in-boxes clogged by hundreds of offers to expand various parts of our anatomy but the problem faced by the people sending spam. If you send it from your own computer, you might get into trouble – if not with the recipients, then with your own ISP. One solution is to use a computer virus to modify lots of other people’s computers in a way that gives you temporary access to them and then use them as your unwitting accessories.4\nSpam itself provides multiple examples of computer crimes made possible by the existence of enormous numbers of networked computers. Nobody with any sense would believe an email from a stranger in Nigeria offering to give him millions of dollars – after he first provides some small financial evidence of his reliability. But if you send out such an offer to a billion email addresses, ten million of which turn out to be actual people, you will reach the small minority of those ten million who are sufficiently credulous, or sufficiently greedy, to fall for the scam. A small minority of ten million people can still be a large number.\nDISTRIBUTED COMPUTING: THE SOLUTION THE PROBLEM COMES FROM\nMost of the problems we have been discussing involve software downloaded from a web page to a user’s computer. Such software originated as a solution to one of the problems of networked computing: server overload.\nYou have a web page that does something for the people who access it – draws a map showing them how to get to a particular address, say. Drawing that picture – getting from information on a database to a map a human being can read – takes computing power. Even if it does not take very much power, when 1,000 people each want a different map drawn at the same time it adds up and your system slows down.\nEach of those people is accessing your page from his own computer. Reading a web page does not take much in the way of computing resources, so most of those computers are twiddling their thumbs – operating at far below capacity. Why not put them to work drawing maps?\nThe web page copies to each of the computers a little map-drawing program – an ActiveX control or Java applet. That only has to be done once. Thereafter, when the computer reads the web page, the page sends it the necessary information and it draws the map itself. Instead of putting the whole job on one busy computer it is divided up among 1,000 idle computers. The same approach – distributed computing – works for multiplayer webbed games and many other applications. It is a solution – but a solution that, as we have just seen, raises a new problem. Once that little program gets on your computer, who knows what it might do there?\nMicrosoft deals with that problem by using digital signatures authenticated by Microsoft to identify where each ActiveX control comes from. Microsoft’s response to the Chaos Computer Club’s demonstration of a new use for an ActiveX control was that there was really no problem. All a user had to do to protect himself was to tell his browser, by an appropriate setting of the security level on Explorer, not to take controls from strangers.\nThis assumes that nobody can fool Microsoft into signing bogus code. I can think of at least two ways of doing it. One is to get a job with a respectable software company and insert extra code into one of their ActiveX controls, which Microsoft would then sign. The other is to start your own software company, produce useful software that makes use of an ActiveX control, add an additional unmarked feature inspired by the Chaos Computer Club, get it signed by Microsoft, put it up on the web, then close up shop and decamp for Brazil.\nSun Computer has a different solution to the same problem. Java applets, their version of software for distributed computing, are only allowed to play in the sandbox, designed to have a very limited ability to affect other things in the computer, including files stored on the hard drive. One problem with that solution is that it limits the useful things an applet can do. Another is that even Sun sometimes makes mistakes. The fence around the sandbox may not be entirely applet-proof.\nThe odds are\nboth ActiveX and applets will soon be history. Whatever form\ndistributed computing succeeds them will face the same problem\nthe same set of possible solutions. In order to be useful, it\nbe able to do things on the client computer. The more it can\ngreater the danger of its doing things that the owner of that\ncomputer would disapprove of. That can be controlled either by\ncontrolling what gets downloaded and holding the firm that\nit responsible for the software’s behavior or by strictly\nwhat any such software is allowed to do – Microsoft’s and\nReaders with high-speed internet connections may at this point be wondering if they ought to pull the plug. I don’t think so – and I haven’t.\nThere are two important things to remember about the sort of problem we have been discussing. The first is that it is your computer, sitting on your desktop. A bad guy may be able to get control of it by some clever trick, by getting you to download bogus software or a virus. But you start with control – and whatever the bad guy does, you can always turn the machine off, boot from a CD, wipe the hard drive, restore from your backup, and start over. The logic of the situation favors you. It is only bad software design and careless use that makes it possible for other people to take over your machine.\nremember is that this is a new world and we have just arrived.\ndesktop computers are running under software originally\nstand-alone machines. It is not surprising that such software\nfrequently proves vulnerable to threats that did not exist in\nenvironment it was designed for. As software evolves in a\nworld, a lot of the current problems will gradually vanish.\nUntil the next innovation.\nTHE WORM TURNS: CLIENTS FOOLING SERVERS\nWe have been discussing crimes committed by a server against clients – downloading chunks of code to them that do things their owners would not approve of. I once got into an interesting conversation with someone who had precisely the opposite problem. He was in the computer gaming business – online role-playing games in which large numbers of characters, each controlled by a different player, interact in a common universe, allying, fighting each other, gaining experience, becoming more powerful, acquiring enchanted swords, books of spells, and the like.\nPeople running online games want lots of players. As more and more players join, the burden on the server supporting the game increases, since it has to keep track of the characteristics and activities of an increasing number of characters. Ideally, a single computer should keep track of everything in order to maintain a consistent universe, but there is a limit to what one computer can do.\nOne solution is distributed computing. Offload most of the work to the player’s computer. Let it draw the pretty pictures on the screen, maps of a dungeon or a fighter’s eye view of the monster he is fighting. Let it keep track of how much gold the character has, how much experience he has accumulated, what magic devices are in his pouch, what armor on his back. The server still needs to keep track of the shared fundamentals – who is where – but not the details. Now the game scales; when you double the number of players you almost double the computing power available, since the new players’ computers are now sharing the load.\nLike many solutions, this one comes with a problem. If my computer is keeping track of how strong my character is and what goodies he has, that information is stored in files on my hard drive. My hard drive is under my control. With a little specialized knowledge about how the information is stored – provided, perhaps, by a fellow enthusiast online – I can modify those files. Why spend hundreds of hours fighting monsters in order to become a hero with muscles of steel, lightening reactions, and a magic sword, when I can get the same result by suitably editing the file describing my character? In the online gaming world, where many players are technically sophisticated, competitive, and unscrupulous – or, if you prefer, where many players regard competitive cheating as merely another dimension of the game – it is apparently a real problem. I offered him a solution; I do not know if he, or anyone else, has tried implementing it.\nThe server cannot be bothered to keep track of all the details of all the characters, but it can probably manage 1 in 100. Pick a character at random and, while his computer is calculating what is happening to him, run a parallel calculation on the server. Follow him for a few days, checking to make sure that his characteristics remain what they should be. If they do, switch to someone else.\nWhat if the character has mysteriously jumped twenty levels since the last time he logged off? Criminal law solves the problem of deterring offenses that are hard to detect – littering, for example – by scaling up the punishment to balance the low probability of imposing it. It should work here too.\nI log into the game where my character, thanks to hundreds of hours of playing assisted by some careful hacking of the files that describe him, is now a level 83 mage with a spectacular collection of wands and magic rings. There is a surprise waiting:\n\"You wake up in the desert, wearing only a loin cloth. Clutched in your hand is a crumpled parchment.”\n\"Look at the Parchment.”\n\"It looks like your handwriting, but unsteady and trailing off into gibberish at the end.”\n\"Read the Parchment.”\nThe parchment reads:\n\"I shouldn’t have done it. Dabbling in forbidden arts. The Demons are coming. I can feel myself pouring away. No, No, No … .”\n\"Show my statistics.”\nPossessions: 1 loincloth.\n5HIGH-TECH TERRORISM: NIGHTMARE OR EMPLOYMENT PROJECT?\nA few years ago, I participated in a conference called to advise a presidential panel investigating the threat of high-tech terrorism. So far as I could tell, the panel originated with an exercise by the National Security Agency in which they demonstrated that, had they been bad guys, they could have done a great deal of damage by breaking into computers controlling banks, hospitals, and much else.\nI left the conference uncertain whether what I had just seen was a real threat or an NSA employment project, designed to make sure that the end of the Cold War did not result in serious budget cuts. Undoubtedly a group of highly sophisticated terrorists could do a lot of damage by breaking into computers. But then, a group of sophisticated terrorists could do a lot of damage in low-tech ways too. I had seen no evidence that the same team could not have done as much damage – or more – without ever touching a computer. A few years after that conference, a group of not very sophisticated terrorists demonstrated just how much damage they could do by flying airplanes into buildings. No computers required.\nI did, however, come up with one positive contribution to the conference. If you really believe that foreign terrorists breaking into computers in order to commit massive sabotage is a problem, the solution is to give the people who own computers adequate incentives to protect them, to set up their software in ways that make it hard to break in. One way of doing so would be to decriminalize ordinary intrusions. If the owner of a computer cannot call the cops when he finds that some talented teenager has been rifling through his files, he has an incentive to make it harder to do so in order to protect himself. Once the computers of America are safe against Kevin Mitnick,6 Osama bin Laden won’t have a chance.\n1 A timeline of hacker history and an account of a legal setback for the Secret Service. For one early computer crime case see United States v. Jones, United States Court of Appeals Fourth Circuit 553 F.2d 351 (1977)\n2 Parker, 1983, pp. 50–51.\n4 A description of how DDOS attacks work. Lots of stories and discussions on attacks. A story on an extraordinarily sophisticated attack, via a computer worm, on Iran's nuclear program. An earlier but probably more reliable account—by a security expert, not a reporter. [Not in the hardcopy of the book--added 11/30/2010]", "label": "No"}
{"text": "Khnyok — (Хнёк) is a sanctimonious religious prig. It is used by Jews who are religiously observant themselves for the holier-than-thou super-observant. The plural of khnyok is khnyokes, the adjective is khnyokish, and the past participle is farkhnyokt, which denotes someone who has become a khnyok or more khnyokish than he or she once was.\nWeinreich defines khnyok as “bigot, philistine, petty, unreasonable, conservative” — more or less what one might have anticipated. But Harkavy is a surprise. A khnyok by him is a “mollycoddle” — or “A man lacking courage, someone as soft-hearted as a woman.” There’s nothing about bigotry or religious fanaticism. And for an etymology (Weinreich gives none), Harkavy tentatively proposes that of Russian khnyika, a whiner or crybaby.\nNahum Stutchkoff’s 1950 Yiddish thesaurus, Der Oytser fun der Yiddisher Shprakh. Stutchkoff gives khnyok 4 different meanings.\n1. A derogatory word for a Hasid: khnyok, tslap, katshelap, flyaske.\n2. An unkempt or slovenly person: khnyok, flyaske, tslap, katshelap, khlomidnik [a sloppy dresser].\n3. A soft-hearted person: kvatsh [dishrag], shmatte [rag], khnyok.\n4. A schlimazel: yolop [clumsy oaf], shmeyger [nincompoop], khnyok, lapenmitsl [awkward bungler].\nCzech Jewish author Jirˇi Langer in his book about Hasidism, “Nine Gates,” which starts with an account of how, at the age of 19, he left his life as an assimilated young Jew in Prague to become a Belz Hasid. Describing how he mortified himself physically as part of his penitent return to Judaism, he writes, using the present tense:\n“The mice nibble at my clothes. I sleep on the ground on a heap of old straw. My whole outward appearance testifies that I am gradually turning into a complete khnyok and katcherak. These two words are untranslatable nicknames used by the Hasidim to mock any of their fellows who are totally indifferent to their outward appearance.”\nLanger was writing about the years 1913 and 1914 and his use of khnyok must reflect an early meaning — and, unexpectedly, the word seems to have started out not as an anti-Hasidic slur but as a term used by some Hasidim to disparage other Hasidim who went to ascetic extremes of personal hygiene and dress to demonstrate their contempt for worldly existence. (Langer’s katcherak is clearly a variant of Stutchkoff’s katshelap, of which tslap is a shortened form.) From there, the word left the confines of the Hasidic community and went off in different directions: Because unkemptness is associated with oafishness, it came to mean a bungler or schlimazel; because schlimazels are often doormats for others (it’s on the schlimazel, you’ll recall, that the schlemiel spills the chicken soup), it came to mean a whiner or mollycoddle, and because its original meaning of an extreme Hasid was picked up by misnagdim, or anti-Hasidic Jews, it eventually became a derogatory term both for Hasidim in general and for a religious fanatic of any stripe. Today, it survives only in the last of these meanings.", "label": "No"}
{"text": "Keeving is a old-world cider technique that has largely been forgotten, but is still done by some traditional cider makers in the UK and France. Simply put keeving releases natural pectin into the apple juice which then coagulates, removing much of the nutrients from the juice. As the yeast ferments the keeved juice, it uses the remaining nutrients, but runs out before it can ferment all of the sugar. Traditionally, this has been done to create a naturally sweet cider. For more information on the process, read this.\nWhen I learned about this process and how it works, I thought about how lambic wort is brewed to have a lot of complex sugars that Saccharomyces can't eat, which leaves a portion of the sugars for the Brettanomyces. I began to wonder if Brett would survive in a nutrient poor environment after the Saccharo died out. So the purpose of this experiment is to see what will happen if I pitch lambic yeast into keeved cider.\nHowever, this turned out to be a very difficult and laborious process. I started with nearly 4 bushels (160lbs) of apples. They had to be sent through a mill and the pulp left to sit for 24 hours (to release the pectin). The next day we pressed the pulp, but our efficiency was about half that of a commercial cider press (and 10 times the work). Leidel's Orchard actually spoke with a couple commercial presses keeving, but they were unable to do this process without a major rework of their set up. I was hoping to get 8+ gallons, so I borrowed a friend's 12 gallon glass carboy to use as a keeving tank. I only ended up with 6 gallons.\nThen the keeving process starts. The first step is to allow the pectin to coagulate in the cider. Some modern additives help this process, but it is still a bit of an art. The carboy was stored in my refrigerator for 10 days where it is cold enough to stall fermentation until the coagulated pectin gel has formed.\n|Most of the gel that formed fell to the bottom and is sitting on top of the sediment|\n|Separation of cider and pectin gel.|\n|Pectin gel pushed to the top by CO2 bubbles.|\n|5 gallons of keeved cider with lambic blend yeast added.|", "label": "No"}
{"text": "ATTITUDE TOWARDS MATHEMATICS OF XI STANDARD STUDENTS IN TRICHY DISTRICT\nA. Blessing Mary\nThe main aim of education is to develop harmonious personality of learner. Education should make pupils fit to live with. In all modern human societies the young are prepared for their future roles through educational process which may be in the form of examination. Schools are always transitional institutions. They prepare pupils for education or for occupation or for family life and so on. Mathematics in the real sense is a science of space and quantity that helps in solving the problems of life needing numeration and calculation. It provides opportunities for the intellectual gymnastic of the man’s inherent powers. Teaching of Mathematics essentially helps the students in acquiring essential mathematics knowledge, skills, interests and attitudes. And it is necessary for and helpful in the realisation of the practical or utilitarian value, disciplinary value and cultural value. Mathematics education trains students to make and use measurements and includes the study of computer programming, algebra, statistics, geometry and calculus. Attitude is a mental set or disposition, readiness to respond and the psychological basis of attitudes, their permanence, their learned nature and their evaluative character. It includes object things, peoples, places, ideas or situations. Attitudes are not just a passive result of past experience; instead they impel behavior and guide its form and manner. The components of attitudes are : i) a cognitive component (opinion information or strength of belief or disbelief; (ii). an affective component (emotional component of like (or) dislike) and (iii) an action (co nature behavioural component of habit or readiness to respond).\nNeed for the study\nIn every class there are three types of students: 1. Those who perform very well, 2. Those who never perform well and 3. Those who can perform well; but do not fare well actually. The pupils of the third category may have the general intelligence to do well, but owing to several factors, they do not fare well in mathematics. Special attention will help the pupils of that category to bring out their abilities in full. If this is done in schools, the society may have to lose eminent scholars in mathematics and great mathematicians. The influence of the teacher on the pupil is not confined to imparting of subject knowledge alone, but goes further to play a part in the total development of the child. The influence of the teacher has been studied on the attitude to wards mathematics. In the present curriculum every attempt in being made to include mathematics as an integral part of school education to develop the speed and accuracy in doing numerical problems, an ability for abstract, an ability of logical reasoning, an ability for spatial concepts and so on. However the mathematics achievement education in schools and colleges largely do not cater to aims and objectives of mathematics education as specified by many educational commissions and committee. Students mostly prepare themselves for passing examinations. Further more the teachers and parents were concerned with relatively Low achievement of students in mathematics and a number of studies had looked into the causes of such poor performance. Attitude is really the disposition of an individual to learn and to develop some proficiency in some particular area. Actually it helps to acquire knowledge in a particular area and on the basis of interest the future performance of a child can be predicted. A child under the pressure of parents or teachers selecting a professional course will be a failure in that area without attitude in that field. So it is the responsibility of teachers and parents to guide their children according to their attitude. Modern education must not restrict itself to developing more rote-learning, but also nurture the ability of children to produce relevant new meaning to their class-room experiences. Hence along with promoting educational achievement it is obligatory on the part of the school to equip the child with the skill of logical thinking and reasoning which will enable him to cope effectively with whatever state of world be will encounter later in life. Curriculum which impacts training in these is the need of the hour. Though these are documented evidences about the effects of factors like gender, region, stream of study, medium of instruction, Type of School Management and socio economic status, on Attitude towards Mathematics more investigations are to be done in the field.\n*To investigate the difference of Male and Female due to their Attitude towards Mathematics.\n*To investigate the difference of Region due to their Attitude towards Mathematics\n*To investigate the difference of Steam of Study due to their Attitude towards Mathematics\n*To investigate the difference of Medium of Instruction due to their Attitude towards Mathematics\n*To investigate the difference scores of Types of Management due to their Attitude towards Mathematics\n*To investigate the difference of Socio - Economic Status due Attitude towards Mathematics\nHYPOTHESES OF THE STUDY\n1. There is no significant difference in Attitude towards Mathematics of XI standard students in Trichy District, owing to differences in their gender, region, stream of study, medium of instruction, type of school management and socio – economic status\n2. There is no significant association between Attitudes towards Mathematics of XI standards students in Trichy\nDistrict in their Gender, Region, Stream of Study, Medium of Instruction, Type of School Management and Socio\n- Economic Status\nLIMITATIONS OF THE STUDY\nThe study was limited to only 10 schools in Trichy District. The study was restricted to four Government schools, three Aided and three Unaided school from both Rural and Urban areas. The sample was limited to 450 students of XI only. Standardized test materials alone were used in this investigation. The investigation did not develop any psychological tests for investigative purpose.\nSaha (2007) conducted a study Gender, Attitude to Mathematics, cognitive style and Achievement in Mathematics. It was found that all the three contributes to statistically significant difference in achievement in mathematics. Thomas (2006) conducted a study to determine the Attitude towards Mathematics and achievement by combining co-operative learning strategies with instruction delivered using an Integrated Learning System (ILS). Sixty five fifth grade students were randomly divided in two groups, co-operative and individual. Result revealed that students using on ILS for mathematics instruction performed better on standardised tests and were more positive towards math and they worked in co-operative groups than when they worked on the same individually. Xin Ma and Jianymin (2004) conducted a study to determine the casual ordering between Attitude towards Mathematics and achievement in mathematics of secondary school students. Results showed the achievement demonstrated casual predominance over attitude across the entire secondary school. Gender difference in this casual relationship was not found but elite status in mathematics moderated this casual relationship.\nDESIGN OF THE STUDY\nDescriptive methods of study were though to be appropriate to analyses the impact of Attitude towards Mathematics, related to selected variables are Gender, Region, Type of School Management, Stream of Study, Medium of Instruction and Socio Economic Status. The sample constituted 450 XI standard students drawn from 11 schools from Government, Aided and Unaided in Trichy district. Random sampling was used to select the sample. The tools used for the present study was Mathematics attitude scale prepared and standardized by Dr. C. Dandapani. The data collected for the present investigation was under the category of Mathematics Attitude tool administered to the students by the investigator. After data was collected and classified, it was subjected to statistical tests of significances using SPSS package for testing the hypothesis for the investigator. The methods of analysis were used students’ t test, ANOVA, Chi-square test and Karl Pearson’s product Moment.\nReliability and Validity\nThe reliability and the validity of the tool for the present study are computed as 0.70 and 0.83 respectively. The co-efficient of split half reliability is 0.85 and validity with the achievement test in mathematics is determined to be 0.80. The sample for this study was selected randomly. Representative sample of 450 students who have joined in XI standard (English and Tail Medium) were selected from Government Aided and Unaided schools.\nMAJOR FINDINGS OF THE STUDY\nThere is no significant difference in Attitude towards Mathematics of XI standard students in Trichy District, owing to differences in their Gender, Region and Medium of Instruction. There is significant difference in Attitude towards Mathematics of XI standard students in Trichy District, owing to differences in their Stream of Study, Types of School Management and Socio Economic Status. There is no significant association between Attitudes towards Mathematics of XI standards students in Trichy. District regarding their Gender and Medium of Instruction. There is significant association between Attitudes towards Mathematics of XI standards students in Trichy District with their Region, Stream of Study, Types of School Management and Socio Economic Status\nis a process of human enlightenment and empowerment for the achievement of a\nbetter quality of life. In\nThe purpose of the present investigation was to study the mathematics attitude with reference to some selected variables and the study indicated significant relationship among the variables. The study may find some usefulness in the field of mathematics education and the finding of this study may serve as a data base for the future research.\nGuimaraest, H. M. (2005) Teachers and students views and attitude towards new mathematics curriculum”. Journal of Educational Studies in Mathematics 26, 347-365.\nD. S. (1966) (Chairman) Report of the\nEducation Commission 1964-66. Government of\nSaha, S. (2007) A study of Gender Attitude to Mathematics, Cognitive style and Achievement in mathematics”. Experiments in Education 35, 6.\nThomas (2006) The effects on student’s achievements and attitudes using integrated learning systems with co-operative pairs. Journal Educational Technology Research and Development 45, 51-64.\nXin Ma and Jiangmin Xu (2004) Determining the causal ordering between attitude towards Mathematics and achievement in Mathematics. American Journal of Education110, 256-280.", "label": "No"}
{"text": "Created By : Ms. Kavita Verma Created Date : 2019-12-20 00:00:00\nArtificial intelligence (AI) is one major source of science on which the maximum population rely on. To start your morning with mobile feeds to ending your day with a soothing song through Alexa. Everybody, almost every body has become used to Artificial intelligence in one way or the other.\nOverview: when a human built device or machinery uses its brain that is inherited by human intellect is artificial intelligence. An expert of artificial intelligence is one of the most demanded and viable career choice. This not only sounds exciting but also challenging that makes this career option much liked by the students.\nDriving a car with inbuilt computer intelligence, making our routes through Google maps and fully automatic devices. The brain that operates all these devices and application is artificial intelligence, a copy of human intelligence.\nSince this technology world is evolving into more robotic, science world, the demand of artificial intelligence out looks a great rise. This career is in a high demand by all ages and sectors and also is being highly valued by both employer and consumers. Because of its high demand, this job becomes a well paid and highly profitable job option.\nHow to start careers in artificial intelligence:\nA keen interest in math and your love for optimizing mathematic problems and algorithms will prove a great start towards this career. Earn a bachelors degree in computer science and get your hands clean on thorough experience in computer programming skills. Attain a degree in computer science or cognitive science (a combination of psychology, computer science, anthropology, and philosophy)\nThe following skills are required by the candidates :\n• A strong background of applied math, calculus and probability.\n• Experience in graphical modeling and neural net will make your journey easy to begin with, in this career.\n• Hold a bachelor’s degree in Computer Science ,Software engineering or any other related course.\n• One must have an excellent communication skill in both written and verbal that will help one to express his views clearly.\n• One must have an understanding of machinery and its system.\n• One is required to have a vivid imagination to work on and make it a reality.\n• You must have a in-depth understanding in system analysis.\n• One must have a fluency in different computer languages.\nArtificial Intelligence Colleges in India:\nIndia has many institutes and colleges offering masters in artificial intelligence. After gaining your bachelors degree, opt for a reputed college to do your masters degree in artificial intelligence. Some of the colleges to opt for artificial intelligence majors are:\n• University of Hyderabad is a public university that is famous for its major courses and research projects.\n• IIt Bombay is a public engineering institute that also offers masters course in many renowned departments.\n• IIt Madras is known as one of the best institute for higher education in India.\n• IISC Banglore creates engineers and scientists in India, with their high quality academic system and staff.\n• ISI Kolkata is an academic institute that was recognized by the government as an institute of national importance.\nCourses to opt for Artificial Intelligence:\nThe colleges, institutes and online programs offers some courses under artificial intelligence. Candidate must opt for his courses smartly and get a deep learning in the field he wants to continue his career in AI certification or course. Artificial intelligence has three types:\n• Artificial Narrow Intelligence that implements limited mind in narrow tasks.\n• Artificial General Intelligence is an interesting learning where machinery is designed to have a brain and be able to understand, learn and operate a task.\n• Artificial Super Intelligence where the machinery possess the super ability of human brain and highest abilities.\nArtificial intelligence has its 4 sub branches which are\n• reactive machines which have no memory and is specialized to do one task in one order.\n• Limited memory where in machine is able to collect data from previous task and make its own memory.\n• Theory of mind through which a machine can interact socially and feel the emotions.\n• Self awareness will be the future of our generation and will be the most intelligent form of machine assistance.\nArtificial intelligence specialists have a fair and healthy demand in the market. They are well paid sector and also much appreciated. Recruiters from India and abroad caters a huge job opportunities in both government and private sectors. Some of them of the list are:\n• Toubro infotech limited is one of the top IT company that deals in technology and solutions.\n• Accenture services private limited is a multinational company that deals in IT, Finance, consultation , technology and operation.\n• IBM is the brand name that deals with designing, operating and service provider of intelligent machinery and computer devices.\n• Hcl technologies limited is an Indian IT company and well known for its services and consulting.\n• Google the brand name that has a huge number of work departments working under it.\nAn artificial intelligence expert can look for some of the following roles to apply for:\n• Artificial intelligence developer operates neural networks and algorithm to fine tune technical skills of a device.\n• Subject matter expert has a great expertise in one core unit or department of science and technology.\n• Algorithm specialist is the computer scientist who designs academics in real world applications.\n• Research scientists focuses o research and development of device or project.\n• Software analysts caters analysis and operation of software .\n• C# developer who works in processing and applying computer languages for a technical project.\n• Jawa developer works for designing, enhancing and operating Jawa.\n• Information security engineer takes care of the security system of a network.\nWhat do they actually do:\nAn artificial intelligence expert works to design a machinery to work and mimic human brain. Auto chat box to self driven cars, easy kitchen appliances and human free voice assistance is what comes under artificial intelligence.\n• Logical reasoning , exactly as the human brain works, it is an ability of a machinery where a decision taking, winning a game of applying solutions is all done by the machinery itself.\n• Knowledge performance, an idea where the computer can suggest the errors, help with new words and different ways to tackle an issue.\n• Planning and navigation is a well known system that is used to navigate route and used by self driven vehicles.\n• Natural language processing that can understand, identify written and verbal languages.\n• Emergent intelligence that focuses on moral reasoning by the machinery.\n• Speech recognition that all are aware of, recognizes the verbal words and instructions.\n• Object detection and face detection is an ability to recognize your face or thumb prints and secure your personal data.\nThis profession witnesses a good pay scale and pay growth over the period of experience. An average salary is from 14.2 lakh to 14.5 lakh . your experience and field of skill determines the changes in the salary numbers.\nAI Careers, AI Courses, AI Skillsets, Deep Learning, Machine Learning, ai certification, artificial intelligence certification, artificial intelligence, what is artificial intelligence, applications of artificial intelligence", "label": "No"}
{"text": "A new report from the World Meteorological Organisation (WMO), the body for the United Nations’ meteorology experts confirms that levels of the main greenhouse gases – carbon dioxide, nitrous oxide and methane – are now all at record levels.\nAverage global CO2 levels in 2017 were 405.5 parts per million – almost 50% higher than they were before the Industrial Revolution. WMO Secretary General Petteri Taalas said that the last time there was a similar level of CO2 in our atmosphere was 3-5 million years ago, when sea levels were 10-20 metres higher than today and the average global temperature was 2-3C higher.\nLevels of methane – a gas delivering up to 28 times greater warming impacts than CO2 – are now at 1,859 parts per billion, around 2.5 times higher than they were before the Industrial Revolution. Emissions are coming from the burps and farts of the planet’s 1.5 billion cattle, from rice paddies, leaks from oil and gas wells and from methane freed from permafrost in the Arctic as it continues to thaw.\nPermafrost is ground that is frozen year-round. In the Arctic, ice-rich permafrost soils can be up to 80 metres thick. Thanks to the warming effects of increased greenhouse gas levels in the atmosphere, a gradual thawing of the permafrost is currently taking place where the upper layer of seasonally thawed soil is gradually getting thicker and reaching deeper into the ground. This thawing process wakes up microbes in the soil that decompose organic matter in the soil, releasing carbon dioxide and methane back into the atmosphere in the process.\nThe concentration of nitrous oxide (N2O) in the atmosphere is now at 332ppm, roughly 120% of pre-Industrial times, with about 40% of N2O coming from human activities.\nAs a species, we still need to come to terms with the changes that we need to make if we don’t want to see climate change running completely out of control. Low-carbon technologies and wind energy have to be pushed out much more rapidly to replace fossil fuels.\nBut Patricia Espinosa, head of the UN framework convention on climate change said “Greenhouse gas emissions have yet to peak and countries struggle to maintain the concentrated…effort needed for a successful approach to climate change…[but that] climate action is… increasing and there is a will to do more. I highlight this because falling into despair and hopelessness is a danger equal to complacency”.\nOn 3 December, the world’s climate negotiators will gather in Katowice, Poland for the COP24 meeting, at which they will discuss putting the Paris climate agreement into action and outlining their (hopefully much increased) ambitions for cutting future greenhouse gas emissions. Let’s hope that they are mindful of this report and of last month’s report from the Intergovernmental Panel on Climate Change (IPCC).", "label": "No"}
{"text": "Analog electronics deals with infinitely varying signals and the components that amplify and operate with these varying signals. Topics in this area include diodes, rectification, filtration, amplification, transistors, scr, triacs, diacs, sensors and instrumentation. This certificate can be earned while pursuing an Associate in Applied Science degree in Electrical Technology.\n- Demonstrate the ability to apply laws to the design, construction, analysis, and measurement of electric, hydraulic and pneumatic circuits.\n- Interpret and develop technical drawing, schematics and diagrams.\n- Create documents based on technical information using descriptive writing, diagrams, mathematical expression, computation, and graphs.\n- Apply electrical/mechanical laws to the operation and control of machines.\n- Apply critical thinking skills to solving problems.\n- Demonstrate the ability to communicate and perform in a team environment.\n- Analyze a set of specifications and create a LabView virtual instrument.\n- Apply electro/mechanical output based on computer generated data for the purpose of creating a lab manual using Microsoft Office products.", "label": "No"}
{"text": "I generally like precision, and I strive for it in my writing and thinking. It certainly helps in communicating ideas., However, I have been pretty relaxed in how I use the term, Big Data. I've used the term to refer to the size of the data set (e.g., \"We have Big Data.\"). I have even used it to describe a method (e.g., \"We are using a Big Data approach.\"). Still other times, I have used it as a general label (e.g., \"Big Data is the future.\").\nIn a survey of Fortune 1000 technology executives, 30% of the executives found the term, Big Data, confusing and misleading and 53% said it was overstated (see Figure 1). With my inconsistent use of the term, perhaps I am merely contributing to their dislike of the term.\nSo, I am making a New Year's resolution for 2015. I will be more precise when I use the term, Big Data.\nSo, how will I use the term, Big Data? A good place to start is to see how others use it and define it. Berekely solicited over 40 data experts for their definition of Big Data. These definitions could be reduced into six broad areas. These six areas represent the problems/challenges we face in the realm of Big Data. When you tackle a data-intensive project, you will likely need to answer questions in each of these six areas:\n- Processing of 3Vs: The first area is about the nature of the data including the size (i.e., volume), speed (i.e., velocity) and complexity (i.e., variety) of the data and the technology to process it all.\n- Analytics: Analytics is about the types of analyses we perform on the data. There are two general approaches when analyzing data: the exploratory approach (machine learning) and the hypothesis-driven approach (human judgement, critical). I look at these two approaches as complementary to each other. While the hypothesis-driven approach requires scientists to set up and test pre-determined hypotheses, machine learning can augment that process by quickly analyze millions relationships that might lead to potential areas of interest that can then be reviewed, and perhaps pursued, by scientists with more formal testing. For example IBM Watson helped researchers at Baylor College ingest and review 70,000 research papers on a cancer protein. It identified six new proteins to target for cancer research.\n- Insights: The analytics leads to insights. When we consider the insights we gain from our analytics, we need to ensure the results are reliable, valid and useful. We often times turn to data scientists to help us make sense of the analytics and to verify its veracity.\n- Data Integration: Because analytics is all about finding relationships among variables in our data sets, businesses are looking to integrate their data silos to uncover interesting relationships across different metrics. The value of integrated data sets is greater than the sum of its parts.\n- Communication: We need to be able to share our results to interested parties. Toward this end, technology vendors are creating visualization tools to improve how we communicate our results.\n- Security/Privacy/Ethics: Finally, the era of the quantification of everything has resulted in issues surrounding the misuse of data as they relate to security breaches, and privacy and ethics concerns. In fact, a recent study of Chief Information Officers found that security is the number one challenge of Big Data projects (51% indicated it as a top challenge). Some major brands that have been the target of security breaches include Target, Home Depot, Neiman Marcus and JP Morgan Chase. Other examples include the US National Security Agency’s monitoring of individuals worldwide as well as Facebook's experiments on attitudes using unsuspecting users.\n\"Big Data\" is a Phenomenon\nAs these definitions of Big Data show, Big Data is not one thing; it is about a lot of different things. Each of these things is not new or unique to Big Data; we have had to address each of them decades ago. These things are simply more relevant in today's overly-quantified world. So, in 2015 and beyond, when I'm asked to define Big Data, here is how I'm going to answer:\n\"Big Data is a phenomenon that is the result of the quantification of everything.\"", "label": "No"}
{"text": "This resource provides a broad overview of research on learners and learning and on teachers and teaching. It identifies teachers as the key to change, while acknowledging that change at the classroom level is significantly impacted by overarching public policies. It highlights three key findings about how students gain and retain knowledge and discusses the implications of these findings for teaching and teacher preparation. The highlighted principles of learning are applicable to teacher education and professional development programs as well as to K-12 education. The report can be read online free here; there is a charge for a pdf file download or a hard copy of the 78-page document.", "label": "No"}
{"text": "Scottish born Dr Symons qualified in Edinburgh and at the famous London eye hospital Moorfields. In 1883 he migrated to South Australia. He became ophthalmic surgeon at the Royal Adelaide Hospital, medical officer for the Adelaide Children’s Hospital and honorary medical officer to the Institute for the Blind. He lectured at the medical school in ophthalmic surgery and went on to be dean of the Faculty of Medicine.\nDr Symons first had rooms in Gawler Place but when these were threatened with demolition to make way for Gawler Chambers, he decided to build his own rooms. When his premises were built on North Terrace in 1901 it was becoming fashionable among the medical fraternity to have professional rooms between King William Street and the Botanic Hotel.\nEdward John Woods, one of South Australia’s most prominent architects, is credited with the design of this building. Woods was born in London in 1837 and qualified there as an architect. He migrated to South Australia in 1860 and began his Adelaide career in architecture as a draughtsman in Edmund Wright’s office. Later, he practised in partnership with Wright until 1869, when he branched out on his own. In 1873 Woods became government architect to the Council of Education and in January 1878 was appointed architect-in-chief. During his time with the government he oversaw the construction of many public, including the first stage of Parliament House, the west wing of the State Library (now the Mortlock Library) and many schools.\nThis building is one of few surviving on North Terrace that are reminders of its early professional nature. With the destruction of Wardell’s ES&A Bank on King William Street, it is also one of the few remaining Gothic secular buildings. Its symmetrical composition centred around an oriel window with buttressed walling is a highly creative interpretation of the Gothic idiom. The facade in particular is notable for its Murray Bridge limestone ashlar walling and dressings. The windows with mullions and transoms are detailed with label moulds, and the oriel window appears delicately supported on the small column with foliated capital above the central buttress.", "label": "No"}
{"text": "The Lancashshire Telegraph reported some very excited news about treasure recently! Coins from the 13th century were found in a farmer’s field! Andrew Smith, who is both a detectorist and a photographer discovered six, silver pennies that dated from the reign of Edward I. The Telegraph mentioned that Smith participated in a dig at Pendleton in February. The coins were found 10 inches below the surface and were clumped together. It was agreed that the coins would be returned to the 46 year old farmer. The Assistant Treasure Registrar at the British Museum the coins appeared to date from between 1279 and 1283. Click on “source” below to see how much they could go for when sold and more!\nYou really can find anything metal detecting!", "label": "No"}
{"text": "In Photos: Visiting Secular Mughal Customs in Times of Intolerance\nPhool Walon ki Sair is a unique secular tradition, which is the carcass of India’s tolerant past.\nDelhi celebrated the Mughal tradition of Phool Walon ki Sair – an annual flower procession that was first introduced in 1812, during Mughal King Akbar Shah II’s reign.\nWhen his son Mirza Jahangir was exiled to Allahabad under the orders of the British Resident, Akbar Shah II’s queen Mumtaz Mahal Begum vowed to offer a chaadar of flowers at the Dargah of 11th Century Khwaja Bakhtiar \"Kaaki\" at Mehrauli.\nAnd when Jahangir was released, the queen mother dutifully kept her word and led a week-long flower procession to Khwaja Bakhtiar’s dargah. To add a dose of secularism among Akbar Shah’s subjects, the flower procession was also taken to the Yogmaya temple in the vicinity.\nThis marked the beginning of a unique secular tradition, which is the carcass of India’s tolerant past.\nAccording to historical account the last Mughal king, Bahadur Shah Zafar, wanted to hold the procession even when Delhi was under siege by the British.\nLarge number of Hindu womenfolk and children visited the shrine with flowers to pay their respects.\nWhen I entered the Dargah, I saw throngs of women facing the perforated wall and offering prayers along the narrow corridor to the dargah.\nSome women were even clinging to the walls.\nAbout half an hour later, I realised what the interest towards walls were about.\nA signboard at the end of the long corridor marked the restricted border for females into the inner sanctum of the dargah. So, disappointed at not being able to witness the main event, eventually, I thronged around and clung to the walls too.\nThankfully for me, I had a male friend fill in for me in the inner sanctum. The sufi saint’s tomb was a bed of roses, literally.\nAnd I witnessed the dargah’s beautiful ceiling, albeit, second hand.\nThe likes of Jawaharlal Nehru had inaugurated the event in the past. This year Delhi’s Lieutenant Governor, Najeeb Jung, was invited as the chief guest.\nAfter the ritual offering of the chaadar, a small performance was put up for the villagers and visitors, along the traditions of the dervishes.\nThe next day the procession walked to the local deity Yogamaya Devi’s temple with an offering of floral pankha (fan).\nAs per traditions, the smaller population of Muslim visitors gave their offering of flowers to the goddess first.\nYet another small function was put up by the locals depicting the myths of Kaali and Krishna.\nSubscribe To Our Daily Newsletter And Get News Delivered Straight To Your Inbox.", "label": "No"}
{"text": "The collapse of Earth begins quietly in the year 2048. The United Nations commits to saving the environment by utilizing all resources to eliminate dangerous areas of radiation. Major corporations rebel and attempts are made to usurp power from the U.N. -- the renegades are defeated. Corporations are dissolved and the U.N. seizes all facilities in the effort to save the planet.\nIn the early part of the 22nd century (2109), artificially produced \"ozone replacement\" begins to close the holes in the ozone layer, reducing radiation levels. For the next 400 years Earth prospers. Ecological and humanitarian problems are eliminated and the focus turns to scientific advancement. The U.N. military force ensures peace worldwide.\nCombining elements of Einstein's Unified Field Theory with anti-matter physics, scientists, in 2563, create a means to explore space through \"warp\" technology, a new form of spacecraft propulsion. Finally, travel between solar systems becomes reality. Five years after the technological breakthrough, the first manmade probe reaches another star system, reaching speeds of eight times the speed of light. Within a decade, two fully equipped research ships are launched. Man is on his way to the stars.\nFourteen years after liftoff, all contact with Explorer 1 is lost after a frantic recorded message is received, indicating the ship was being approached by an alien entity of sorts. The crew is considered missing and presumed dead. The other exploratory ship, Explorer 2, returns in 2609, having successfully located several habitable planets in the far-reaches of the galaxy.\nIn the year 2615, Explorer 2 returns to space to colonize the newly discovered habitable planets. The launch barely beats an uprising on Earth the following year that eliminates the old regime and brings in a new era of Earth control by rebel forces. Sustaining damages when traveling through an uncharted asteroid field, Explorer 2 finally arrives at the new solar system in 2621. The warp generators explode due to stress factors encountered in deceleration. A small number of survivors escape and make it to a planet, dubbed New Earth. The long process of survival and colonization begins.\nReunion begins 300 years after that event. New Earth is thriving, self-sufficient, stable and free from conflict and disease. Technology is nearly on a par with that of old Earth at the time of departure and space travel is imminent. You can explore up to eight different solar systems and encounter more than ten unique alien races. The ultimate goal is to return to old Earth and reunite the peoples of Earth once again. The mystery lies in what has happened on the home planet and what wondrous life and technology can be found on new worlds.\nMaintaining a cast of advisors in areas relating to your space fleet, construction, fighting forces and development is essential to gameplay. Building new structures, mining resources, researching and designing new machinery, projects and technology and managing inventory all complement the eventual exploration and colonization of new worlds. Combat is inevitable as you encounter hostile alien forces in either space or ground warfare.\nAdventures in the vast reaches of space await you -- do you have what it takes to reunite the people of Earth from a galaxy far, far away in Reunion?\nIn the 27th century, centuries have peace have allowed great scientific progress in the development of the first interstellar warp drive. Two research ships, designated Explorer-1 and Explorer-2, are outfitted with experimental drive and sent to find new planets of colonization. Only Explorer-2 returns back to Earth. Refiited as a colony vessel, Explorer-2 is once again ready to embark when peace is disrupted. At this same time, a planet-wide rebellion stages a coup and overthrows the government. The Explorer-2, crewed by a loyalist space crew barely escapes and leaves the solar system. Years later, the Explorer-2 arrives damaged at it's destination and a colony is set up, naming it New Earth. After many generations, the colony is self-sufficient enough to develop a mission: Explore nearby space, research new technologies, harvest resources, develop a space fleet and eventually... reconquer and reunify with the Earth.\nReunion is a strategy game where players must manage the resources and development of a colony. From a central command area, players select from among different menus to control different aspects of the colony. Many of these menus also need the appropriate personnel in charge (commanders), whose skills and price tag vary. Typical menus include: The research screen where specific areas are selected, the production/buy menu which turns resources into goods, the colony building menu where construction can be scheduled and the colony's facilities managed, the galactic map where new planets are chosen for a closer look, and eventually colonization. Players can also consult with their commanders or go to \"space local\", the nearby bar for all the gossip. In order to produce new material, the player has six different minerals to mine and discover on various planets in the solar system.\nPeople who downloaded Reunion have also downloaded:\nPowermonger, Railroad Tycoon Deluxe, Pirates! Gold for Windows, Reach for The Stars, Realms, Port Royale: Gold, Power and Pirates, Stars!, Star Trek: Armada 2\n©2023 San Pedro Software. Contact: , done in 0.003 seconds.", "label": "No"}
{"text": "To Save Its Bottle Nose Dolphins, New Zealand Banned Swimming With Them Near Bay of Islands\nThe New Zealand government has banned tourists from swimming with the beloved bottlenose dolphins off the Bay of Islands in the northernmost peninsula of the country's north island.\nThe dolphins are essentially dying from too much frolicking with tourists and have been classified by New Zealand's Department of Conservation (DoC) as endangered. Heavy boat traffic has the dolphins spending too much time socializing with tourists rather than performing critical behaviors like eating, sleeping and nursing their young, according to the Independent. A recent study by the New Zealand DoC said that human interaction was \"having a significant impact on the population's resting and feeding behavior.\"\nThe dolphins live in a sub-tropical area of New Zealand known for its stunning beaches and its warm water. The popularity of the area as a tourist destination has caused the dolphin population to plummet from 270 in 1999 to a current estimate of 31, a fall of almost 90 percent, as the Telegraph reported.\nThe numbers in the report are bleak. A group of only 19 bottlenose dolphins regularly visit the Bay of Islands. From that group, there is a 75 percent mortality rate among their calves. That is the highest mortality rate not only in New Zealand, but also internationally, in the wild and in captivity, according to the Telegraph.\nThe researchers also noted that the dolphins spent 86 percent of daylight hours near one boat. To change that trend, the DoC not only banned tourists from swimming with dolphins, but also mandated that tour boats may interact with dolphins for no more than 20 minutes. Also, all tour operators will have to visit the dolphins in either the morning or the afternoon so there is a significant chunk of time where the dolphins are left alone, as the Guardian reported.\n\"The dolphins often swim towards boats themselves and you simply can't put a barrier around them or monitor every interaction they have,\" said Sue Reed-Thomas, the DOC's northern North Island director of operations, as the Independent reported. \"Everyone who puts a boat on the water in the Bay of Islands needs to be aware of the problem so they play their part in protecting the local dolphin population.\"\nIn a plea to save their industry, tour operators warned that the new ban would cripple tourism in the area. They also said that fewer tour operators on the water means fewer people monitoring how private boats interact with the vulnerable dolphin population, according to the Guardian.\nThe DoC does not seem too sympathetic as it is considering partnering with Maori tribes and researchers to start a marine mammal sanctuary in the Bay of Islands.\nTourists can still swim with dolphins in New Zealand's south island where the populations are much healthier, according to the Guardian.", "label": "No"}
{"text": "While initially, the computer was formed only of basic elements that enabled users to perform simple operations; things have changed since its appearance. New accessories have been added, and one of the most common ones is the printer. This external hardware device is aimed to take the data that is virtually stored on the computer and transform it into a hard copy. Taking into consideration their great utility, printers are maybe the most popular peripheral: they can be used to print any type of text (documents, books, reviews etc) and also pictures. Officially, the first mechanical printer was developed in 1822 by Charles Babbage and used the difference engine. Of course, hid model had a rudimentary system, a lot different from the one you know today: there were metal rods (each of them had a character) pressed onto a piece of paper fed through the device. This way, text was written on the paper and this was the first for of printing.\nEven if the accessory started to be manufactured around 1950, it was in 1970 that the first great images and documents created with an inkjet printer finally appeared. This was followed by the emergence of Xerox (in the 1970s) and low cost laser printer (launched in 1984 by Hewlett-Packard). As technology evolved, people learned the benefits of laser printers, but the inkjet device is still the most popular choice. The main element of this machine’s mechanism is the print head, which has thousands of nozzles (also known as jets, hence the name). These are covered in ink that is pressed into the paper, as it moves inside the device, thus creating pictures or text documents. Nowadays, the quality of the results depends not only on how performing the device is, but also on the print head used – for instance, Konica KM256 MN 14PL is a great option that will help you get the most accurate pictures. This is due to the fact that it has some of the finest nozzles you can find in the industry and besides this, the model is quite affordable. An ordinary printer can produce hundreds of printed pages until the cartridge needs to be refilled or replaced. Of course, this depends on the type of hard copies (pictures require more ink, while text is not as demanding) and on the quality of the cartridge and print head. Another great model is Konica KM512 MN 14PL: inexpensive, easy to replace and very efficient due to its adjustable ink drop size.\nIn case you are working in an office, or you work from home and you constantly have to list documents, purchasing an ink printer is definitely something you should do. Having your own accessory will come in very handy, especially since the device is not expensive and it is quite easy to maintain. However, if you are about the quality of your prints, make sure you always buy original replacement parts, whether you are thinking about ink cartridges or print heads. Choose a reliable supplier and you will never have to worry about anything!", "label": "No"}
{"text": "My son is 7 year old and have total leucocyte count is 13900 / Cu.mm and differential leucocyte count as under\nEosinophils 6% basophils 0%\nPlease suggest about the report\n1 Answer | Add Yours\nYou really need to speak with an actual medical doctor about serious medical questions such as this. Leucocyte is another term for white blood cells, which are part of the body's immune system for fighting disease. A normal leucocyte count is about 7000/mm^3, so your son's count is high. Again I reiterate that you really need to discuss important medical matters with an actual medical doctor.\nJoin to answer this question\nJoin a community of thousands of dedicated teachers and students.Join eNotes", "label": "No"}
{"text": "Different reason why people communicate Personal life: •Express felling •Building and maintaining relationship •Exchange info •Offer support •Feedback Settings children and young people: •Building and maintaining relationship •Offer support (transitions) •Building confidentiality •Meet child or young person need •Gain knowledge •Giving instruction children dunning activities •Inform parents and staff •Talk to children to encourage positive behaviour Adults and other professional: •Exchange info, sharing ideas •Feedback for other professional Learning / gaining knowledge •Request •Building and maintaining relationship •Work as a team •Negotiate and liaise SHC 31 1. 2 Communication is very important in the work place, it is major aspect of my work. When we are working with children or young all members of staff have to work as a team. Effective communication help to build and maintain positive communication with a lot of different people like other member of staff, other professional, parents or, and carrier and children. If there is lack of communication with any aspect of my work it may affect other filed of my work.\nDuring settling period parent are passing a lot of information to the key person who help to understand and meet all children need. In this time we start building a relationship between parents and staff. In the same way that relationship turns in to friendship with a child. Because parent pass to us information what child like, dislike and strategies to support their behaviour it is easier for us to make child feel comfortable in the settings. If the child is happy, parents are feeling comfortable to leave child in the settings.\nGood communication should be maintained all the time to support the child and the parents during transitions and support holistic child development. All members of staff should pass each other necessary information about the children to provide best possible services. Lack of communication may affect children and young people needs. E. g. all staff should be familiarise themselves with code of practice to treat all children in the same way, to build relationship between children and the member of staff. It is also important to all staff know any health issues about the children to avoid any incident e. . child allergies, medication. In case when the staff can’t prevent incident because of the lack of information, parents can loose they trust to the person or even to the whole settings. Communication is a fundamental relationship-building skill in the workplace. If people don’t communicate well they limit their ability to connect on any meaningful level and, at the extreme, can create conflict. Positive communication skills like listening, open-ended questions, and calm tone of voice help bring people together because they are behaviours that lead to creating relationships.\nWorkplace relationships also become a lot stronger when people can clearly and effectively communicate what they need and allow others to do the same. Positive relationship between members of staff also depends of the communication. Passing information helps to work as a team, and avoid conflict on the work field. Colleagues may also share experience and knowledge. It may also interesting to show other collages satisfaction in the work place SHC 31 2. 2 To promote effective communication we have to look for the all aspect and consider of individual needs. We have to be aware to avoid any barriers.\nWe have to treat everybody very individual and try to meet all person need. Some people may have a problem with hearing so we have to make sure they are hear as, so is good to speak to them a bit lauder. For children it is good to use Makaton. For people how don’t have English as a first language, sometimes they need interpreter or someone who speak they home language to help them understand. For people who have visually impairment we have to make sure we speak directly to the person, remember that the person cannot see our expression or gestures. Some people use glasses, if it is a child; we have to make sure they are clean.\nProvide a large print is also helpful. If necessary let a child sit closer. We allow children to touch the things to give them idea how they look. For blind people we provide material in Brile language. Environment is also very important factor. It is good to thing about location. When we talk to someone we have to make sure the place where we staying it quiet, noisy environment can affect good communication. It is good to provide neutral space where both sides will feel comfortable. Things like wall decoration, colour, lighting can affect people feeling, what can affect communication.\nPlace should be also free from any strong smell which may affect on the people. Children, young people should feel relaxed in the environment. They are also other factor, which are very important in face to face communication they are proximity, orientation and posture. Proximity is all about distance between me and the person I am about to communicate. Everyone needs personal body space. That personal space it s change varies with age. Babies and young children like to be very close, but we have to remember everybody is different and some children who are shy or they don’t know us may not like if we stay to close.\nThis is because anyone like being to close to people who don’t know. Some people may feel discomfort when we approach them to close, so it is good to keep distance when someone tries to move back. We also have to be aware of cultural differences. In different cultural personal body space may vary. Also eye contact may be different. Latin cultures tend to rely more on eye contact in communication than do non-Latin cultures. In the U. S. and in Arabic cultures, direct eye contact is often seen as a sign of honesty, whereas in some Asian, Middle-Eastern and Native-American cultures, it’s considered rude.\nBody position, orientation may also affect communication. Our body sending different signal when we staying directly opposite when we saying on the side. When we working with children we have to make sure we talk to them directly to create cosier atmosphere. But during adult conversation we are stay slightly angle, this allow the communication style to be less direct and we don’t have to keep eye contact all the time. During conversation we have to look closely for the posture. Whatever we siting or standing it good to have positive body language.\nObserving individual reaction can affect effective communication. By observing how people response by facial expression, body language and sometimes what they do not say. Sometimes people don’t feel so confident to express themselves but non-verbal communication help us to understand reaction. Face expression match with talk e. g. knit their eyebrows, then they puzzled. Body language can often indicate attitudes and emotions e. g. arms crossed tightly over their chest, may indicate anger or tension, but lean forward with separated arms and legs this can communicate warmth and friendliness.\nSHC 31 3. 1 We all coming from the different background, different counties, cultures and families sometimes that can cause the problem in effective communication. Cultures provide people with ways of thinking–ways of seeing, hearing, and interpreting the world. Thus the same words can mean different things to people from different cultures, even when they talk the “same” language. People from the same country but from the different region may use different meaning of the words, or they may use dialect. In some counties people use more formal language, but some of them it more informal e. g. n Italia people use a lot body language and gestures. When the languages are different, and translation has to be used to communicate, the potential for misunderstandings increases Each culture has its own rules about proper behaviour, which affect verbal and nonverbal communication. Whether one looks the other person in the eye-or not; whether one says what one means overtly or talks around the issue; how close the people stand to each other when they are talking–all of these and many more are rules of politeness which differ from culture to culture. Different cultures regulate the display of emotion differently.\nSome cultures get very emotional when they are debating an issue. They yell, they cry, they exhibit their anger, fear, frustration, and other feelings openly. Other cultures try to keep their emotions hidden, exhibiting or sharing only the “rational” or factual aspects of the situation. Some people may have lack of knowledge, poor education, so we have to use language appropriate for them. They may have problem to uncode the massage when we use jargon or professional language. Level of literacy may also affect, especially with formal communication like a letter.\nEven the people reacive the letter and understand a massage, they may have problem to respond for this. This is also connected with ITC knowledge. Some people may have problem to sending and receiving email, and may feel uncomfortable with that media. Family background may also affect commutation. Each family have they on way how they communicate. Every home environment are different some of them are quiet, some more vibrant and noisy. In some families children are not allowed to speak when they want, in some parents pay full attention when the child want say something.\nAll of that aspect can affect how children will be communicate in the future. Some people are just better at communicating than others. They have a greater ability to encode and decode messages than others. This is because they have developed their communication skills based on their knowledge and experience of what works well. SHC 31 3. 2 Barrier to effective communication •English is not first language •Language in not appropriate for the group age •Health aspect like: hearing difficulty, learning difficulty, disability, autism •Stereotyped thinking •Distraction in conversation •Dominating the conversation, judging Lack of concentration, or attention •Environmental aspect, background (noise around, poor light) •Different in cultural background, beliefs •Family background •Confidence and self-esteem, some people have a problem to express themselves •Poor language and literacy skill •The use of jargon, over-complicated or unfamiliar terms •Blocking the other’s contribution •Overloud, to much information can cause problem •Joking at the someone expense SHC 31 3. 5 Some people have individual need. Some have problem with speak, sign or hearing difficulties or even learning difficulties to respond or/and receiving information.\nIt is good to provide extra support to that people to help them with communication. Some people need just a little help, like we need speak to them lauder and/or slower, or even repeat massage. Sometimes we can help using more non-verbal language and gestures. But for some of them we need to involve Language Services Professional. For children and young people who have English as a second language, setting very often can provide specialist teacher, who will help them with communication. They are providing special recourses like dual language languages. Many settings have translation and interpreting services on the side.\nIt very helpful to translate some document in English for people who don’t understand English at all or they language is too poor to understand everything. It is work in the other way, people may provide some documentation in they own language and translator have to translate this to English. Sometimes settings need additional support from the interpreter or professional signer in the spoken language. They have been trained to translate the massage, but not embellish or distort it. In the Early Years Settings very often child need additional help from the Speech and Language services.\nSpeech therapist help to diagnostic and assess what the problem is and find the solution how to communicate with the person who have difficulties with speech and language. They support the staff; they may provide suggestion and guidance how to use resources. Very often they use PECS (Picture Exchange Communication System) where children or young people need to point or give the picture with thing what they want. That system can be use for people who have speech difficulties; they have English as a second language and also for people who have an autistic spectrum disorder. The other way to promote communication is Makaton.\nIt is designed to support spoken language and the signs and symbols are used with speech, in spoken word order. Signs are used, with speech, in spoken word order. This helps provide extra clues about what someone is saying. Using signs can help people who have no speech or whose speech is unclear. Using symbols can help people who have limited speech and those who cannot, or prefer not to sign. Many people then drop the signs or symbols naturally at their own pace, as they develop speech. Makaton is extremely flexible as it can be personalised to an individual’s needs and used at a level suitable for them.\nAdvocacy services are special services to help people say what say what they want, secure their rights, represent their interest and obtain services they need. We have a duty under the United Nations Convention on the Right of the Child to ensure that children can consult about matters that are important to them. The use of advocates is essential for children or young people who are in local authority care or for people who have communication difficulties. Some local council have their own advocacy services. To find out if there are any in my area, I can contact my local council or check its website.\nSHC 31 4. 1 Confidentiality is setup principles to respect people privacy, not sharing information about people without their knowledge and agreement in spoken ad written language. When we are working with children we have access to lots of information. Some of them have to be confidential, and we not allow passing them to anyone who is not involved in the case. We have to respect child and the child’s family privacy. Confidentiality is also about storage information, and the way that we share this information if it is necessary.\nSome information must be share with the whole staff to secure child wellbeing, good sample can be allergies, medical condition or who will pick up the child. But a lot of personal information about the child, young person or they families need to stay confidential. Under the law Data Protection Act 1998 they are eight principles, which we have to follow. They saying that data must be: •Secure •Fairly and lawfully processed •Accurate •Adequate, relevant and not excessive •Not keep longer than necessary •Processed in accordance with the data subject’s •Not transferred to the other countries without adequate protection\nThey are some cases when we need share information. Usually these things happened if we think child can be in danger, neglected or abuse. So in that case we need to share this information to the line manager, or special services. Similar things happed when the child o young person need to have support form the specialist. SHC 32 4. 3 As a practitioner I have duty to keep information confidential. But sometimes are some cases I may need to break confidentiality. Breaching confidentiality is a very serious matter and we do that in case if the child or young person may be abuse, neglect or is a crime has been comminited.\nAll settings should have a designated person to deal with child protection issues. If I have concerns that a child is being abused it is my job to disclose this information to the designated/manager of the setting unless you think by disclosing the information will put the child or young person in further danger. Information should be passed quickly and correctly directly to the person or organization, which will deal with the case. But it is important to remember not pass information unnecessary to people who not really need to know about this, e. g.\nI can inform class teacher, but not necessary other member of staff or other parents. When a child or young person discloses information to me. I don’t need to promise to keep a secret. If the child or young person confides in us we cannot promise to keep it a secret because we will have to disclose the information given and this will make the child think that they cannot trust that person anymore, they trusted you in the first place to disclose the information. Also a main feature of sexual abuse is that the abuser asks the child to keep this a secret between them.", "label": "No"}
{"text": "Also known as Sabal palmetto. The branch of a palmetto palm tree.\nThe state banner of South Carolina, the palmetto state.\nA palmetto tree in Charleston, South Carolina.\nAlso known as Sabal mexicana. The branch of a Mexican Palmetto tree.\nThe palm is indigenous to the Southern states.\nA type of new worl palm trees. Native to the tropics.\nA species of palm indigenous to the United States. It is found abundantly in the Carolinas, Florida,…\nThis illustration shows the Chamaerops Palmetto, in various stages, and the Yucca Draconis.\nOrnaments made of blue silk ribbon with a button in the center bearing the image of a palmetto tree.…\nIn honor of the forty percent of South Carolina's palmetto regiment an iron palmetto was erected. This…", "label": "No"}
{"text": "Ken Shirriff, a specialist in reverse engineering, has reportedly worked out a code that enabled him to mine Bitcoin on one of the first integrated circuit-based computers that were used to navigate the first moon landings by the National Aeronautics and Space Administration (NASA) in the 1960s.\nAs Shirriff wrote on his personal website, the machine on which he managed to integrate Bitcoin mining code is the world’s only remaining working AGC.\nWith performance comparable to the first generation of home computers from the late 1970s like the Apple II, the 15-bit AGC is apparently not the best hardware to mine crypto. The computer turned out to have a hash power of 10.3 seconds per hash, the engineer reported, explaining that it would take a “billion times the age of the universe to mine a block.”\nIn comparison, the Antminer S9, a popular ASIC bitcoin miner developed by Chinese mining giant Bitmain exclusively for mining crypto, advertises a hash rate of around 13 terahash, or 13 trillion hashes per second (TH/s).\nOn his website, Shirriff noted that he has also attempted bitcoin mining on a 55-year-old IBM 1401 punch-card mainframe.\nOn July 7, Cointelegraph reported that the Bitcoin hash rate reached a new all-time high of 65.19 TH/s. Since then, the growth has continued, breaking 74 TH/s on the same day. As a major metrics for miners, hash rate is the number of calculations that a given hardware or network can perform every second.\nA higher hash rate indicates miners’ chances of finding the next block and receiving their reward, also making the network safer by increasing the necessary resources for deploying a 51% attack.", "label": "No"}
{"text": "🎩 Imagine you’re facing a challenging problem, whether it’s at work, in your personal life, or during a brainstorming session.\nHow do you approach it? How do you generate new ideas and perspectives?\nOften, our minds get stuck in a particular thinking pattern, limiting our ability to see beyond what is familiar. But what if there was a method that could help us break free from these constraints and unlock our creativity?\nEnter the concept of the Six Thinking Hats, developed by the renowned author and creativity expert, Edward de Bono.\nIn this blog post, we will embark on a journey to explore the six different hats and learn how they can revolutionize the way we think and make decisions. 🚀\nThe Six Thinking Hats – An Overview\nThe Six Thinking Hats is a powerful framework that encourages parallel thinking, allowing individuals to wear different hats symbolically, each representing a different perspective or mode of thinking.\nBy consciously adopting these different thinking roles, we can explore a problem or situation from multiple angles, fostering creativity, critical thinking, and collaboration.\nLet’s dive deeper into each of the six hats and discover their unique characteristics.\nThe Blue Hat: The Director 🧢\nThe Blue Hat serves as the director or organizer of the thinking process.\nLike a conductor leading an orchestra, this hat manages the overall thinking session, sets the agenda, and keeps everyone on track.\nIt is responsible for defining the focus and objectives of the discussion, ensuring everyone has a clear understanding of the problem at hand.\nThe White Hat: The Observer 👒\nPutting on the White Hat, we adopt an analytical and objective perspective.\nThis hat represents data and facts.\nWhen wearing the White Hat, we focus on gathering information, examining the available data, and seeking evidence to support our arguments.\nBy adopting a logical and rational approach, we can make informed decisions based on concrete evidence.\nThe Red Hat: The Emotional 💃\nEmotions play a significant role in decision-making and problem-solving.\nWearing the Red Hat, we embrace our intuition, gut feelings, and emotions.\nThis hat encourages us to express our desires, fears, and concerns openly.\nBy acknowledging and considering the emotional aspect of a situation, we can gain insights that may otherwise remain hidden.\nThe Black Hat: The Devil’s Advocate 😈\nWearing the Black Hat, we assume the role of the skeptic, the critical thinker.\nThis hat is all about cautious and careful thinking. It encourages us to identify potential risks, problems, and flaws in our ideas or solutions.\nBy examining the downsides and challenges, we can strengthen our arguments and develop more robust strategies.\nThe Yellow Hat: The Optimist 😄\nThe Yellow Hat brings optimism and positivity into the thinking process. Wearing this hat, we focus on exploring the benefits, opportunities, and advantages of a particular idea or solution.\nIt allows us to tap into our creativity and discover possibilities we might have overlooked.\nBy embracing the optimistic perspective, we can generate innovative and forward-thinking ideas.\nThe Green Hat: The Creative Thinker 🌱\nCreativity flourishes under the Green Hat. Wearing this hat, we unleash our imagination and divergent thinking skills.\nThe Green Hat encourages us to generate wild ideas, explore alternatives, and challenge assumptions.\nIt invites us to think outside the box and consider unconventional approaches.\nBy adopting a playful and open-minded mindset, we can discover groundbreaking solutions.\nThe Six Thinking Hats in Practice\n🧩 Now that we have a solid understanding of each hat’s unique role let us explore how we can apply the Six Thinking Hats in practice.\nBy incorporating this framework into our decision-making and problem-solving processes, we can enhance our creativity, improve collaboration, and arrive at more well-rounded solutions.\n- Identify the Problem: Start by clearly defining the problem or situation you want to address. This provides the necessary context for the thinking session.\n- Set the Ground Rules: Assign someone to be the Blue Hat and guide the session. Establish the order in which the hats will be used and define the time limits for each thinking role.\n- Wear Each Hat: Progress through the six hats one by one, ensuring that everyone in the group takes on each perspective. It is crucial to allocate sufficient time for each hat to fully explore its perspective.\n- Capture Ideas: As ideas and insights emerge during each hat’s discussion, document them. This can be done through note-taking, flip charts, or digital collaboration tools. It is important to record all ideas without judgment or evaluation at this stage.\n- Analyze and Synthesize: Once you have gone through all the hats, review the ideas and insights generated. Look for connections, patterns, and areas of overlap. Identify the most promising ideas that have emerged.\n- Evaluate and Refine: Now, wearing the Black Hat, critically analyze the ideas and solutions. Identify potential challenges, risks, or weaknesses associated with each option. This evaluation will help refine and strengthen the selected ideas.\n- Iterate and Brainstorm: Return to the Green Hat and engage in a creative brainstorming session. Generate additional ideas and explore alternative approaches. This step encourages thinking beyond the initial solutions and fosters innovation.\n- Make Decisions: After thoroughly exploring and refining the ideas, it’s time to make decisions. Use the insights gained from the different thinking hats to inform your choices. Consider the pros and cons, the emotional aspects, and the practicality of each option.\n- Implement and Reflect: Once decisions have been made, put the chosen solutions into action. Monitor their effectiveness and make adjustments as necessary. Reflect on the process and outcomes, identifying lessons learned for future applications.\nBenefits of the Six Thinking Hats\n🌟 The Six Thinking Hats approach offers several benefits that can revolutionize the way we think and work:\n- Enhanced Creativity: By adopting different thinking perspectives, the framework stimulates creativity and encourages the generation of innovative ideas.\n- Improved Decision-Making: Considering multiple viewpoints and incorporating diverse thinking styles leads to more comprehensive and well-informed decisions.\n- Balanced Discussions: The Six Thinking Hats ensure that everyone’s perspectives are heard and considered, promoting collaboration and inclusivity within a group.\n- Reduced Bias: By consciously switching between thinking roles, individuals can overcome cognitive biases and preconceived notions, leading to more objective and open-minded thinking.\n- Efficient Meetings: The structured approach of the Six Thinking Hats keeps discussions focused and prevents time wasted on unproductive debates.\n- Increased Engagement: The interactive nature of the framework encourages active participation from all individuals involved, fostering a sense of ownership and engagement.\n🌈 The Six Thinking Hats by Edward de Bono offer a powerful methodology to unlock creativity, enhance decision-making, and foster collaborative thinking.\nBy wearing different hats symbolically, we can explore problems and situations from multiple angles, tapping into our analytical, emotional, critical, optimistic, and creative capacities.\nThe structured approach of the Six Thinking Hats ensures that discussions are well-organized, balanced, and inclusive, leading to more robust solutions and innovative ideas.\nSo, next time you face a challenge, remember to don your thinking hat and embrace the power of parallel thinking! 🎩", "label": "No"}
{"text": "- What is a coastal vegetation?\n- Where is the coastal vegetation found?\n- What type of vegetation is commonly found at sea level?\n- Which type of vegetation is found near the sea coast?\n- Which forests are found along the coastal regions?\n- How is healthy dune vegetation beneficial?\n- What is being done to protect sand dunes?\n- How does vegetation Stabilise a coastline?\n- What are the three types of natural vegetation?\n- Which oil crops are found in coastal areas?\n- How is healthy dune vegetation beneficial to a beach?\n- Why is vegetation important for sand dunes and the management of coastal areas?\n- Why is beach vegetation important?\n- Why shouldnt you walk on sand dunes?\n- How does vegetation affect the coastline?\n- What does loss of vegetation mean?\n- What is the coastal vegetation in India called?\n- What is a natural vegetation?\n- Why can you only find plants in the coastal zone?\n- What’s the meaning of vegetation?\n- How do you stabilize sand dunes?\nWhat is a coastal vegetation?\nCoastal Strand is a plant community of flowering plants that form along the shore in loose sand just above the high tide line, on the West Coast of the United States.\nPlants that grow along the coast are very tolerant of the winds and salt and sand loaded ocean spray..\nWhere is the coastal vegetation found?\nBeach vegetation usually forms a very narrow strip on the upper beach of many coasts. However, in areas of low rainfall or where mobile dunes lie in a wide band next to the beach, the species found on the upper beach may penetrate as far as two kilometers inland.\nWhat type of vegetation is commonly found at sea level?\nEucalypt savannaEucalypt savanna is the most common type, occurring from sea level to about 1 700 m on a variety of land forms that are never flooded. In hilly terrain, eucalypt savanna is commonly confined to crests and upper slopes while the lower slopes and valley bottoms remain in forest.\nWhich type of vegetation is found near the sea coast?\nOn the one hand, a wide range of productive and diverse ecosystems is found in coastal zones: coral reefs, lagoons, sea grass beds, wetlands, sand dunes, temperate and tropical forests, mangrove forests, and other coastal vegetation.\nWhich forests are found along the coastal regions?\nCoastal forest ecosystemsMangroves. Mangroves are the most typical forest formations of sheltered coastlines in the tropics and subtropics. … Beach forests. … Peat swamp forests. … Periodic swamps. … Freshwater swamp forests. … Riparian forests. … Other coastal forest ecosystems.\nHow is healthy dune vegetation beneficial?\nHealthy dune systems can serve as a repository for sand to naturally replenish beaches that have experienced significant erosion from coastal storms. Coastal development is a major cause of concern for beaches and dunes.\nWhat is being done to protect sand dunes?\nStabilizing dunes involves multiple actions. Planting vegetation reduces the impact of wind and water. Wooden sand fences can help retain sand and other material needed for a healthy sand dune ecosystem. … They can also protect beaches from erosion and recruit sand to eroded beaches and to many other places too .\nHow does vegetation Stabilise a coastline?\nVegetation can be important to stabilizing coasts because they allow flocculation which is the binding sediment together in bigger clusters making them stay put where they are as they become heavier and harder to be transported by wind or water- plants and vegetation also stabilize sediment in water because the plants …\nWhat are the three types of natural vegetation?\nVegetation regions can be divided into five major types: forest, grassland, tundra, desert, and ice sheet. Climate, soil, the ability of soil to hold water, and the slope, or angle, of the land all determine what types of plants will grow in a particular region.\nWhich oil crops are found in coastal areas?\nHalophytes can be used to produce edible oils, medicines, vegetables, and cattle and fish feed. Halophytes can be found throughout the coastal areas of India.\nHow is healthy dune vegetation beneficial to a beach?\nThey also keep beaches healthy by accreting sand and minimizing beach erosion rates. The dunes protect coastal infrastructure and upland properties from storm damage by blocking storm surge and absorbing wave energy. A healthy dune system is an invaluable asset to coastal communities like Miami Beach.\nWhy is vegetation important for sand dunes and the management of coastal areas?\nCoastal vegetation play an important role in maintaining the integrity of our dune systems – they act as a windbreak, trapping deposited sand particles and stabilising the dune system. Without vegetation, this natural protective barrier would be lost to the effects of wind and wave erosion.\nWhy is beach vegetation important?\nPlant stems and leaves covering the ground surface protect sediment from wave erosion and erosion form tidal or longshore currents when exposed at high tide. They also prevent sediment from wind erosion at low tide.\nWhy shouldnt you walk on sand dunes?\nStorms and strong winds can damage storm dunes and push them inland. Other that storms, the other major cause of damage to dunes is people. By walking or playing on sand dunes, we damage the beach grass and other plants that hold the dune together. … Over time, the dune and all its benefits will be lost.\nHow does vegetation affect the coastline?\nThe native vegetation in coastal areas plays an important role in stabilising the surface against wind erosion and provides habitat for wildlife. Coastal dunes provide a buffer against coastal hazards such as wind erosion, wave overtopping and tidal inundation during storm events.\nWhat does loss of vegetation mean?\nLand use classifies the types of vegetation on the land. … The more recent increase in developed land, especially around urban areas, causes a “heat island” effect, and large cities with no exposed ground or vegetation become very hot during the day. The lack of vegetation means there is no transpiration to cool the air.\nWhat is the coastal vegetation in India called?\nAnswer: Mangrove Forests. You can find the mangrove tidal forests in the areas of coasts influenced by tides. Mud and silt get accumulated on such coasts. Dense mangroves are the common varieties with roots of the plants submerged under water.\nWhat is a natural vegetation?\nNatural vegetation means the plants that have not been grown by humans. … The growth of vegetation depends on temperature and moisture. It also depends on factors like slope and thickness of soil. It is categorized into three broad categories: Forest, grassland and shrubs.\nWhy can you only find plants in the coastal zone?\nPlants specially adapted to grow in salty, shifting sand thrive at the very top of the beach in a zone referred to as the coastal strand. … The loose sediment, scarce freshwater, and highly saline conditions are inhospitable to most plants, but the few species that live here cannot survive anywhere else.\nWhat’s the meaning of vegetation?\n1 : plant life or total plant cover (as of an area) 2 : the act or process of vegetating. 3 : inert existence. 4 : an abnormal growth upon a body part fibrin vegetations on the mitral valve.\nHow do you stabilize sand dunes?\nBeach grasses are pioneer plants in stabilization of coastal sand dunes. They create an environment more attractive to other species of plants and thus encourages colonization by animals. Slowly the dune changes character. As the plants become established, the dune becomes more stable.", "label": "No"}
{"text": "Earlier this year, I wrote a short blog about how I envisioned the Regional Educational Laboratories (REL) Program, The What Works Clearinghouse™ (WWC), and the Comprehensive Center Program could work together to take discovery to scale. In it, I promised I would follow-up with more thoughts on a specific—and critically important—example: making WWC Practice Guides actionable for educators. I do so below. At the end of this blog, I pose a few questions on which I welcome comments.\nThe challenge. The single most important resources the WWC produces are its Practice Guides. Practice Guides evaluate the research on a given topic—say, teaching fractions in elementary and middle school—and boil study findings down to a handful of evidence-based practices for educators. Each practice is given a rating to indicate the WWC’s confidence in the underlying evidence, along with tips for how practices can be implemented in the classroom. In many ways, Practice Guides are IES’s most specific and definitive statements about what works to improve education practice and promote student achievement.\nDespite their importance, the amount of effort IES has intentionally dedicated to producing high-quality resources that support educators in implementing Practice Guide recommendations has been uneven. (By most measures, it has been on the decline.) Why? Although we have confidence that the materials we have already produced are high-quality, we cannot prove it. Rigor is part of our DNA, and the absence of systematic efficacy tests demonstrating tools’ contribution to improved teacher practice has made us hesitant to dramatically expand IES-branded resources.\nTo their credit, several organizations have stepped in to address the “last mile problem” between Practice Guides and classroom practice. Some, like RELs, are IES partners. As a result, we have seen a small number of Practice Guides turned in to professional learning community guides, massively on-line open courses, and other teacher-facing resources. Despite these efforts, similar resources have not been developed for the overwhelming majority of Practice Guides. This means many of our Guides and the dozens of recommendations for evidence-based practice they contain are languishing underused on IES’s virtual bookshelf.\nAn idea. IES should “back” the systematic transformation of Practice Guide recommendations from words on a page to high-quality materials that support teachers’ use of evidence-based practices in their classrooms. And because we should demonstrate our own practice works, those materials should be tested for efficacy.\nFrom my perspective, RELs are well-suited to this task. This work unambiguously aligns with RELs’ purpose, which is to improve student achievement using scientifically-valid research. It also leverages RELs’ unique value proposition among federal technical assistance providers: the capacity to conduct rigorous research and development activities in partnership with state and local educators. If RELs took on a greater role in supporting Practice Guides in the next REL cycle—which runs from 2022 until 2027—what might it look like in practice?\nOne model involves RELs collaborating with state and/or district partners to design, pilot, and test a coherent set of resources (a “toolkit”) that help educators bring Practice Guide recommendations to life in the classroom. Potential products might include rubrics to audit current policy or practice, videos of high-quality instructional practice, sample classroom materials, or professional learning community facilitation guides, each linked to one or more Practice Guide recommendations.\nLong-time followers of the WWC may recognize the design aspect of this work as similar to the defunct Doing What Works Program. The difference? New resources would not only be developed in collaboration with educators, they must be piloted and tested with them as well. It’s simple, really: if we expect educators to use evidence-based practices in the classroom, we need evidence-based tools to help teachers succeed when implementing them.\nOnce vetted, materials must get into the hands of educators who need them. It’s here where the value of the REL-Comprehensive Center partnership becomes clear. With a mission of supporting each state education agency in its school improvement efforts, Regional Comprehensive Centers are in the ideal position to bring resources and implementation supports to state and local education leaders that meet their unique needs. Tools that are developed, piloted, and refined by a REL and educators in a single state can then be disseminated by the national network of Comprehensive Centers to meet other states’ needs.\nExtensions. It isn’t hard to imagine other activities that the WWC, RELs, and Comprehensive Centers might take on to maximize this model’s potential effectiveness. Most hinge on building effective feedback loops.\nPromoting continuous improvement of Practice Guide resources is an obvious example. RELs could and should be in the business of following Comprehensive Centers as they work with states and districts to implement REL-developed Practice Guide supports, looking for ways to maximize their effectiveness. Similarly, Comprehensive Centers and RELs should be regularly communicating with one another about needs-sensing, identifying areas where support for evidence-based practice is lacking and determining which partners to involve in the solution. When there is a growing body of evidence to support educator best practice, the WWC is in the best position to take the lead and develop a new Practice Guide. When that body of evidence does not exist yet—or when even the practices themselves are underdeveloped—the RELs and other parts of IES, such as the National Centers for Education and Special Education Research, should step in.\nQuestions. When the WWC releases a new Practice Guide, its work may be done—at least temporarily. The work of its partners to support take-up of a Guide’s recommendations will, however, have just begun. I’d appreciate your thoughts on how to best accomplish that transition, and offer up the following additional questions for your consideration:\n- Are we thinking about the problem correctly, and in a helpful way? Are there elements of the problem that should be redefined, and would that lead us to different solutions?\n- What parts of the problem does this proposed solution address well, and where are its shortcomings? Are there other solutions—even solutions that don’t seem to fit squarely within today’s model of the REL Program—that might be more effective?\n- If we proceed under a model like that which is described above:\n- What sort of REL partnership models would be most effective in supporting the conceptualization, design, piloting, and testing of teacher-facing “toolkits” aligned to WWC Practice Guides?\n- What research and evaluation activities—and which outcome measures—should be incorporated into this activity to give IES confidence that the resulting “toolkits” are likely to be associated with changed teacher practice and improved student outcomes?\n- How does the 5-year limit on REL contracts affect the feasibility of this idea, including its scope and cost? What could be accomplished in 5 years, and what might take longer to see to completion?\n- How could RELs leverage existing ED-sponsored content, such as that created by Doing What Works, in service of this new effort?\nIf you have thoughts on these questions or other feedback you would like to share, please e-mail me. I can be reached directly at email@example.com. Thanks in advance for the consideration!\nby Matthew Soldner, NCEE Commissioner", "label": "No"}
{"text": "Material culture in the early modern world\nThis course engages with the vigorous historiographical debates on consumption from the Renaissance to the Enlightenment in a global perspective. Key questions are to what extent this period witnessed a “consumer revolution” and birth of “Western materialism”, or whether early modern Europe was just one of several global centres in which the production and consumption of goods proliferated during this period. Lectures focus not just on Europe, but the Ottoman Empire, Asia and North America. How can historians find out about the meanings a greater number of things held for people in different milieus and how contemporaries approached question of value? Did an engagement with things and appearances constitute identities, so that personhood must therefore be thought of as emerging in relation to objects and exchange, rather than as pre-existing entity? In what ways did the importance of domestic interiors and cuisine change? Should we regard slaves and concubines as part of a contemporary material culture, where you could own people? Students will gain a fresh and stimulating grounding of the central themes in early modern history as well as of methodological and theoretical frameworks of recent historical writing, which understands the importance of looking at early modern Europe as part of a globalising world. The course allows students to become familiar with the language and approaches of art history and anthropology as well as with changes within economic and cultural history. Key issues interlink particularly closely with HAP teaching on images, artefacts, cultural history, trans-national history, and gender history. In addition to lectures and seminars there are handling sessions and museum visits in Cambridge, guided by experts in the field. These visits provide a rare opportunity to closely look at objects to reflect on what evidence they provide for historians\nFor further information please follow the link below.\nImage: A sorbet seller balancing a tray with bowls and pitchers on top of his turban and holding a glass bowl in his right hand; a wooden stand in his left hand. From a series of 127 woodcuts by Melchior Lorck.", "label": "No"}
{"text": "As the debate gets underway on a new set of sustainable development goals, targets and indicators to replace the Millennium Development Goals (MDGs) in 2015, an initiative led by CESR board chair Alicia Yamin and CESR board member, Sakiko Fukuda-Parr offers some timely and important guidance on the implications of target-setting and measurement of progress from a human rights perspective.\n'The Power of Numbers: A Critical Review of MDG Targets for Human Development and Human Rights' explores how global goal-setting under the MDGs has shaped international development priorities and thinking. It analysis both the empirical effects of the MDG targets on policy priorities and their normative effects on policy discourses around the means to achieve important human development objectives.\nAn overview document sets out the findings of the initiative, coordinated by Alicia Yamin (Lecturer on Global Health and Director of the Program on the Health Rights of Women and Children at the Fran??ois-Xavier Bagnoud Center for Health and Human Rights, Harvard University) and Sakiko Fukuda-Parr (Professor of International Affairs at The New School). Eleven MDG-related targets were studied in depth by 17 scholars from around the world. The project finds that, as well as mobilizing attention and effort around important poverty-related objectives, quantitative goal-setting under the MDGs has had unintended consequences, such as distorting priorities by displacing attention from other objectives, disrupting on-going programs as well as advocacy alliances, creating perverse incentives and undermining alternative analyses and policy strategies.\nThe authors recommend that both positive and negative lessons from experience be kept in mind in the design of new goals and targets under the post-2015 agenda. These lessons are set out in more detail in a complementary paper, 'Lessons for Setting Targets and Agreeing Indicators'. It finds that the criteria which guided the selection of MDG goals, targets and indicators were insufficient and often in direct conflict with human rights principles and priorities. It analyses the criteria proposed in the Rio+20 Outcome Document as well as by the Un Secretary General??s High Level Panel, and outlines the desirable characteristics of any future goals, targets and indicators from the perspective of the different functions they are intended to serve, whether political mobilization, programming, progress monitoring or strengthening human rights accountability. It recommends the adoption of metrics more capable of monitoring the human rights dimensions of development progress, including equality of outcomes as well as opportunities; vulnerability, insecurity and exclusion; and meaningful participation, voice and accountability.\nThe initiative is a particularly valuable contribution to the debate on measurement in relation to sustainable development and human rights objectives. It is also very timely, as the UN??s Open Working Group on the Sustainable Development Goals meets to discuss these issues.\nFor more on the outcomes of the recent Open Working Group session on human rights, and CESR??s advocacy around it, see here. CESR??s proposals regarding the criteria that should inform the selection of goals, targets and indicators are discussed in the publication, 'Who Will Be Accountable? Human Rights and the Post-2015 Development Agenda', published with OHCHR in May 2013.", "label": "No"}
{"text": "Dysphagia is the medical term used to describe difficulty swallowing. Dysphagia includes difficulty starting a swallow (called oropharyngeal dysphagia) and the sensation of food being stuck in the neck or chest (called esophageal dysphagia). Oropharyngeal dysphagia can result from abnormal functioning of the nerves and muscles of the mouth, pharynx (back of the throat) and upper esophageal sphincter (muscle at the top end of the swallowing tube). Diseases that involve the swallowing tube (esophagus) can cause esophageal dysphagia. When a patient is being evaluated for dysphagia, it is important for the doctor to determine which type of dysphagia is more likely, oropharyngeal or esophageal, as different tests are ordered for each type.\nDysphagia needs to be distinguished from odynophagia, which is defined as pain during swallowing. This can arise from infection or inflammation in the esophagus. Dysphagia also needs to be distinguished from globus sensation. This is a constant sensation of something being stuck at the back of the throat, which does not typically make swallowing difficult. In contrast, dysphagia is a symptom that only occurs when attempting to swallow. Globus can sometimes be seen in acid reflux disease, but more often, it is due to increased sensitivity in the throat or esophagus.\nJust as there are two types of dysphagia – oropharyngeal and esophageal dysphagia – there are similarly two broad groups of causes for dysphagia. Within each broad group, there are two subgroups of causes: neuromuscular (involving the nerve or muscle), and structural, where the esophagus is narrowed or compromised.\nNeuromuscular causes are more frequent than structural causes for this type of dysphagia. This is because the nerves controlling the muscles of the mouth, back of throat (pharynx) and top end of the esophagus (upper esophageal sphincter) have direct connections with the brain through cranial nerves, and can therefore be damaged in diseases involving the brain or cranial nerves.\nLess common than neuromuscular causes are structural causes, including strictures (narrowed areas), or rarely tumors growing in the back of the throat.\nIn this type of dysphagia, structural causes are far more frequent than disorders involving nerves or muscles. Therefore, narrowing in the esophagus from scarring due to acid reflux disease, inflammation of the lining of the esophagus (usually from acid reflux disease but occasionally from infections), tumors within the esophagus, and compression of the esophagus from growths in the chest or sometimes even an enlarged heart can all cause dysphagia. In addition, a unique type of inflammation caused by a type of blood cell called eosinophils can cause dysphagia; this condition is called eosinophilic esophagitis.\nLess common are disorders involving the nerves and muscle of the esophagus. The esophageal muscle can be weak and sometimes unable to generate adequate pressure during contraction. In extreme situations, the muscle generates no force and is unable to squeeze – this is sometimes called scleroderma esophagus (even though scleroderma is not frequently the cause), and can be associated with dysphagia. Another disorder of the nerves and muscles is achalasia; a condition in which the muscle at the bottom end of the esophagus cannot relax during swallowing because of abnormal nerve control. The muscle in the body of the esophagus also does not squeeze normally in achalasia, and becomes weak and stretched. When the nerves are abnormal to a lesser degree, spasm of the esophagus may result, which can also cause dysphagia.\nBy definition, dysphagia is the sensation that food or liquids do not pass normally from the mouth to the stomach. Symptoms can vary depending on the location of the abnormality causing dysphagia. When the patient has oropharyngeal dysphagia from a neuromuscular cause, muscles involved in chewing and in pushing food to the back of the throat may also be involved. In general, dysphagia occurring within one second of trying to swallow is due to oropharyngeal dysphagia. The muscles that protect the nose and the voice box (larynx) during swallowing may be defective in their function, causing the patient to have food and drink come out through the nose or enter the airway through the larynx (voice box) while trying to swallow (called ‘aspiration’). Food entering the larynx can cause choking, coughing, or even lead to a type of pneumonia called aspiration pneumonia. There may be a change in the patient’s voice (husky voice or hoarse voice) because of involvement of nerves that control the vocal cords. The trouble swallowing is typically felt in the region of the back of the throat.\nWith esophageal dysphagia, food may be swallowed normally, but may get stuck in the neck or chest. Sometimes, swallowed food comes back up (regurgitation), when it may taste like the food just eaten. Difficulty swallowing is usually worse with solids than with liquids. Symptoms of acid reflux disease such as heartburn may also be present, since reflux is the most common cause of narrowing in the esophagus causing dysphagia. Even though the abnormality may be at the bottom end of the esophagus, the sensation of food being stuck may be felt higher up in the chest or even in the neck region. Rarely, food may actually block the esophagus (food impaction) – this will result in a total inability to swallow, including liquids, and usually requires urgent endoscopy to remove the food bolus. Achalasia, a condition where the esophagus fails to relax and allow food to pass, may be difficult to diagnose because symptoms progress slowly. In achalasia, difficulty may occur with both solids and liquids, and symptoms may be severe enough to cause weight loss. Patients with esophageal spasm can have chest pain as well.\nThe first step is to distinguish between oropharyngeal dysphagia and esophageal dysphagia from the patient’s symptoms. The evaluation begins with a careful history from the patient, which can provide direction towards the cause of dysphagia in the majority of patients. Tests performed on patients with dysphagia depend on whether the doctor thinks that the patient has oropharyngeal or esophageal dysphagia.\nInvestigation of oropharyngeal dysphagia starts with a careful neurologic examination to identify which nerves and muscles might be abnormal. Swallowing function testing of the mouth and throat can be performed with videofluoroscopy or modified barium swallow. This test involves giving the patient food items of different consistency (e.g. cookie, marshmallow) containing barium and observing the swallow on an x-ray screen (fluoroscopy). This test can show if the barium enters the larynx (opening to the breathing tube) while attempting to swallow, or if it passes normally through the upper esophageal sphincter, and can help determine how the patient can position his or her head or neck to make each swallow effective.\nA tiny endoscope can be introduced through the nose to the back of the throat to see the act of swallowing – this test is called nasal endoscopy. This test can also be used to stimulate the back of the throat with a jet of air to see if the muscle responds or if it is paralyzed. When tumors of the back of the throat or back of the brain are suspected, a CT scan or a MRI scan of the head and neck may be useful. Measurement of pressures within the back of the throat during swallowing (manometry) is less useful, but the newer high resolution manometry techniques can be considered if other tests fail to find an abnormality. Finally, blood tests can be useful to diagnose myasthenia gravis, polymyositis and other muscle disorders.\nEndoscopy (examination of the esophagus using a tube with a light and a video camera at the end) is one of the tests used in the evaluation of esophageal dysphagia. This test not only allows the doctor to inspect the lumen and lining of the esophagus, but samples of abnormal tissue can be taken for examination and if appropriate, treatment can be performed by stretching out narrowed areas. Another test that can be used is to take x-rays while the patient swallows barium (barium swallow or esophagram). This is most useful when the esophagus is expected to have very tight narrowing. If a narrowing is not seen on either endoscopy or barium swallow, measurement of pressures within the esophagus while swallowing sips of water (manometry) can help find out if the muscle of the esophagus squeezes or relaxes abnormally while swallowing, and can diagnose conditions like achalasia or esophageal spasm.\nFor the most part, the treatment of dysphagia depends on the cause. Treatment often involves making a change in the foods eaten or the consistency of food. The modified barium swallow may identify foods of certain consistencies that can be swallowed better than others. The test can also identify head and neck positions that facilitate swallowing.\nPatients with narrowing of the esophagus benefit from stretching (dilating) the esophagus. Several techniques are available for dilation. Balloons can be passed through the endoscope and distended to stretch the narrowing, or dilators (long rubber or plastic cylinders of various sizes) can be passed through the mouth, sometimes over a guide wire. Since narrowing is usually related to acid reflux disease, treatment with an acid lowering agent is usually recommended. Patients with eosinophilic esophagitis are treated with acid lowering agents or steroid preparations sprayed to the back of the throat and swallowed. Dilation is also affective but should be performed with caution to avoid tears; dilation is usually done if steroid preparations do not improve dysphagia in eosinophilic esophagitis. When the narrowing is from inoperable cancer, wire or metal stents (thin expandable tubes) can be placed during endoscopy to keep the lumen of the esophagus open allowing food and liquid to pass through. Patients with achalasia improve when the muscle at the bottom end of the esophagus is disrupted, either with a large balloon (pneumatic dilation) or during surgery where the muscle is cut (myotomy). Sometimes, botulinum toxin (BOTOX®) can be injected into the muscle at the bottom end of the esophagus to make it relax, but this treatment only results in short term improvement in achalasia.\nCan I expect my dysphagia to improve?\nThis depends on the cause of dysphagia. Dysphagia from strictures (narrowings) in the esophagus may improve very well with stretching of the esophagus, but repeat endoscopic sessions for stretching may be necessary from time to time. Dysphagia from acid reflux disease, esophageal infections and eosinophilic esophagitis may resolve completely with medicines. Dysphagia from achalasia improves with either surgery or forceful dilation of the lower end of the esophagus, but the esophagus remains dilated. When the cause of dysphagia cannot be treated, alternative options include placing a metal or wire stent to keep the esophagus open, especially when the narrowing is due to a cancer.\nWith both types of dysphagia, if symptoms are present over a long period of time, patients may lose weight and become malnourished. Weight loss can be worse when the cause is cancer of the esophagus, or if there is a very tight narrowing or obstruction in the esophagus. Dehydration can occur if there is difficulty swallowing liquids. Sometimes, if esophageal blockage is nearly complete, it can be bypassed to avoid some of these problems, by placing a tube into the stomach for feeding (percutaneous gastrostomy tube). This is also sometimes performed in oropharyngeal dysphagia when the risk of food and liquids entering the lungs and causing pneumonia is high.\nAuthor(s) and Publication Date(s)\n©American College of Gastroenterology\nC. Prakash Gyawali, MD, MRCP, FACG, Washington University School of Medicine, St. Louis, MO – Published November 2010.", "label": "No"}
{"text": "The term “free electron laser” (FEL) refers to a source of coherent electromagnetic radiation generated by an electron beam, through an amplification, or self-amplification mechanism. Their modern development (and indeed the name “free electron laser”) goes back to the work of Madey and colleagues at Stanford in the early 1970s, although they also have roots in earlier electron beam devices such as the klystron, the travelling wave tube, the undulator and the ubitron, developed between the 1930s and 60s. In a FEL, amplification by stimulated emission occurs when the radiation and a relativistic electron beam propagate together through an undulator magnet. Although the first description was quantum mechanical, it was subsequently shown that FELs can be understood classically as a result of bunching of the electrons on the scale of the radiation wavelength, resulting in coherent emission of radiation (essentially coherent synchrotron radiation). The electrons are ‘free’ in the sense that they are not bound to atoms as in conventional lasers, however they are not completely free since they are under the influence of electromagnetic forces which cause them to radiate.\nIt has been recognised since the very beginning of the field that the lack of a conventional “lasing medium” gives the FEL enormous advantages: the wavelength of the radiation depends on the electron beam energy and undulator magnetic field strength and hence is continuously tuneable and can reach very short wavelengths. The configuration of the magnetic field also allows variable polarization to be obtained. There are no gain medium breakdown problems and hence there is the possibility of obtaining high peak and average power levels. Finally, the time structure is largely determined by that of the electron beam which therefore permits a flexible pulse length and repetition frequency.\nThe earliest FELs were oscillators, in which the radiation emitted in the undulator is trapped in an optical cavity whose round-trip time is synchronised to the spacing between successive electron bunches. In this way the intensity builds up after many passes and eventually results in coherent radiation. Oscillator FELs are very successful in the IR region and there are several user facilities in operation. Oscillator FELs have also reached into the VUV, but their extension to shorter wavelengths is currently limited by the availability of suitable mirrors. Most recent developments have therefore concentrated on achievement of much more powerful amplifiers that remove the need for mirrors completely. In its most basic form, the so-called Self Amplified Spontaneous Emission (SASE) mode, the initial incoherent radiation from the electron beam causes the electrons to be bunched, resulting in enhanced emission, which causes more bunching and so on. The radiation intensity grows exponentially until a saturation point is reached. The resulting output intensity is very high, in particular many orders of magnitude higher in peak intensity compared to alternative incoherent synchrotron radiation sources.\nThe main scientific driver for the development of FELs has been to achieve short wavelengths, going well beyond the realm of conventional laser, and laser-based, sources. Reaching the 1 Å level however requires ~10 GeV electron beams of very high quality and it has taken many years of painstaking development until the required high quality electron beams could be generated, and there was sufficient confidence in other technology, and the underlying physics, that funding agencies could be convinced to embark on such large-scale projects. The era of the Angstrom FEL was finally entered in April 2009 with the first lasing at 1.5 Å of the Linac Coherent Light Source (LCLS) at Stanford, USA. Today, regular experiments are underway using the LCLS in the 25-1.2 Å range, the first lasing at 1.2 Å of the SACLA X-ray facility in Japan was announced in June 2011 and several other facilities are under construction around the world: truly we are standing on the threshold of a new era of amazing discoveries in X-ray science.\nNew Science with X-ray FELS\nThe arrival of the first hard X-ray free electron laser facilities promises new advances in structural dynamics and nanoscale imaging that will have impact across the sciences. Free electron lasers operating in the X-ray range offer a unique combination of light source properties of extreme brightness, coherence and ultra-short pulse duration. These properties are anticipated to open important new scientific opportunities for time resolved structural studies and to enable a new class of coherent diffraction X-ray imaging. The potential importance of this new imaging method in the study of nanostructures and biological systems at the sub-cellular and molecular level is evidenced by recent prominent research results such as M.M.Siebert et al Single mimivirus particles intercepted and imaged with an X-ray laser Nature, 470 (2011) 78-81 and H.N. Chapman et al Femtosecond X-ray protein nanocrystallography Nature, 470 (2011) 73-77.\nThe properties of the light from free electron lasers, are dramatically different from both those of storage rings and conventional lasers. Storage ring synchrotron radiation has enormous spectral coverage and can deliver a high photon fluence (i.e. the average number of photons delivered per second) up to hard X-rays (10’s keV). This has allowed these sources to be the dominant tool for crystallography, X-ray imaging, X-ray spectroscopy and many other areas of X-ray science for the last four decades. Nevertheless these sources have low peak brightness (i.e. peak number of photons delivered per second), especially if a narrow spectral bandwidth or a short pulse is selected. With advanced pulse slicing techniques, synchrotron sources can provide sub-picosecond temporal resolution but only with tiny flux which severely limits the utility for measuring rapid changes. Conventional lasers have advanced hugely in recent years and can produce extremely short pulses (~5 fs) at very high brightness but these capabilities are limited only to the UV/visible/near IR range.\nFree electron lasers on the other hand combine the benefits of both types of source, and can deliver high intensity laser-like radiation with variable polarization and flexible time structure across a wide spectral range (1010 times greater than in conventional synchrotrons.\nThe photon energy range that is covered by LCLS for instance is from 500eV to 10 keV (2.5nm to 0.1nm) so the radiation spans the soft to hard X-ray range. In this photon energy (wavelength) range X-ray scattering/diffraction can be used to extract material structure to the atomic level. This has been widely demonstrated using conventional X-ray sources, especially synchrotrons, where one of the major activities is X-ray structure determination e.g. of proteins through crystallographic methods. As well as elastic scattering of X-ray photons the absorption of X-rays may occur which leads to photoionisation predominately from the atomic inner shells. The atomic specificity of the X-ray spectrum, that carries information on the local chemical environment, is also widely used in research with synchrotrons, e.g. via XANES (X-ray absorption near edge structure) and EXAFS (extended X-ray absorption fine structure). The combination of short pulses (~5 -200 fs duration) which are highly energetic (mJ level, 1013-1012 photons per pulse) is now opening the door to time resolved structural and chemical research.\nIf you have any comments or suggestions for this page please contact us.", "label": "No"}
{"text": "Chandra Observes Titanic Merger\nThe Chandra observations of the peculiar galaxy Arp 220 gives new insight into what happens when two galaxies the size of the Milky Way collide. The image shows a bright central region at the waist of a glowing hour-glass-shaped cloud of multimillion degree gas that is rushing out of the galaxy at hundreds of thousands of miles per hour. This \"superwind\" is thought to be due to explosive activity generated by the formation of hundreds of millions of new stars.\nFurther out, spanning a distance of 75,000 light years, are giant lobes of hot gas. These could be galactic remnants that have been flung into intergalactic space by the early impact of the collision. Whether the lobes will continue to expand into space or fall back into Arp 220 is unknown.\nIn the central region of Arp 220, the Chandra observations allowed astronomers to pinpoint an X-ray source at the exact location of the nucleus of one of the pre-merger galaxies. Another fainter X-ray source nearby may coincide with the nucleus of the other galaxy remnant. These sources could be due to supermassive black holes at the centers of the merging galaxies. In a few hundred million years the two supermassive black holes could merge to produce a larger, supermassive black hole in the center of the conglomerate galaxy.\nArp 220, at a relatively nearby distance of about 250 million light years from Earth, is a prototype for understanding what conditions were like in the early universe when massive galaxies and supermassive black holes may have been formed by numerous galaxy collisions.", "label": "No"}
{"text": "- by New Deal democrat\nThis is a follow-up on yesterday’s post regarding the history of the Judiciary under republics. In that post I pointed out that the concept of an independent judiciary is a modern one that started in the era of Britain’s Glorious Revolution of 1688, and was radically expanded by the US Constitution.\nHow the framers envisioned the US Supreme Court fit into the scheme of three independent branches of government was set forth in The Federalist Papers numbers 78 through 83. Of those, 3 are not relevant to this discussion: Number 80, which deals with types of court jurisdiction, Number 82 on relations between the State vs. Federal judiciaries, and Number 83, explaining that the Constitution does not abolish trial by jury.\nBelow I quote extensively from Federalists numbers 78, 79, and 81, all written by Alexander Hamilton, grouping those quotes by subject matter, with cites at the end of each quote. I discuss the historical problems with Hamilton’s arguments thereafter.\nPlacing the Constitution’s plan in historical context:\n“That there ought to be one court of supreme and final jurisdiction, is a proposition which is not likely to be contested.... The only question that seems to have been raised concerning it, is, whether it ought to be a distinct body or a branch of the legislature.” (No. 81)\n“According to the plan of the convention, all judges who may be appointed by the United States are to hold their offices DURING GOOD BEHAVIOR .... The standard of good behavior for the continuance in office of the judicial magistracy, is certainly one of the most valuable of the modern improvements in the practice of government. In a monarchy it is an excellent barrier to the despotism of the prince; in a republic it is a no less excellent barrier to the encroachments and oppressions of the representative body. And it is the best expedient which can be devised in any government, to secure a steady, upright, and impartial administration of the laws.: (No. 78)\nComparing the US Supreme Court vs. the UK’s House of Lords as court of final appeal:\n“In Britain, the judicial power, in the last resort, resides in the House of Lords, which is a branch of the legislature; and this part of the British government has been imitated in the State constitutions in general.” (No. 81)\n“the particular organization of the Supreme Court [is] being composed of a distinct body of magistrates, instead of being one of the branches of the legislature, as in the government of Great Britain and that of the State. ....” (No. 81)\n“Considerations [of legal specialization and acumen of judges vs. legislators should] cause us to applaud the wisdom of those States who have committed the judicial power, in the last resort, not to a part of the legislature, but to distinct and independent bodies of men. Contrary to the supposition of those who have represented the plan of the convention, in this respect, as novel and unprecedented, it is but a copy of the constitutions of New Hampshire, Massachusetts, Pennsylvania, Delaware, Maryland, Virginia, North Carolina, South Carolina, and Georgia; and the preference which has been given to those models is highly to be commended.....” (No. 81)\nThe Judiciary would have to rely on the Executive to enforce its judgments:\n“In the first place, there is not a syllable in the plan under consideration which DIRECTLY empowers the national courts to construe the laws according to the spirit of the Constitution, or which gives them any greater latitude in this respect than may be claimed by the courts of every State. I admit, however, that the Constitution ought to be the standard of construction for the laws, and that wherever there is an evident opposition, the laws ought to give place to the Constitution.... (No. 81)(My emphasis)\n“The precautions for their responsibility are comprised in the article respecting impeachments. They are liable to be impeached for malconduct by the House of Representatives, and tried by the Senate; and, if convicted, may be dismissed from office, and disqualified for holding any other. This is the only provision on the point which is consistent with the necessary independence of the judicial character, and is the only one which we find in our own Constitution [of New York] in respect to our own judges.” (No. 79)\n“It may in the last place be observed that the supposed danger of judiciary encroachments on the legislative authority, which has been upon many occasions reiterated, is in reality a phantom. Particular misconstructions and contraventions of the will of the legislature may now and then happen; but they can never be so extensive as to amount to an inconvenience, or in any sensible degree to affect the order of the political system. This may be inferred with certainty, from the general nature of the judicial power, from the objects to which it relates, from the manner in which it is exercised, from its comparative weakness, and from its total incapacity to support its usurpations by force. And the inference is greatly fortified by the consideration of the important constitutional check which the power of instituting impeachments in one part of the legislative body, and of determining upon them in the other, would give to that body upon the members of the judicial department. This is alone a complete security. There never can be danger that the judges, by a series of deliberate usurpations on the authority of the legislature, would hazard the united resentment of the body entrusted with it, while this body was possessed of the means of punishing their presumption, by degrading them from their stations. While this ought to remove all apprehensions on the subject, it affords, at the same time, a cogent argument for constituting the Senate a court for the trial of impeachments.” (No. 81)(My emphasis)\nIn summary, lawyers selected for their lifetime of skill and acumen in understanding past precedents would essentially engage in statutory interpretation according to the long-established rules for such interpretation. Any errors they made would be no more than an “inconvenience” that would never “affect the order of the political system.” In any event, they would be powerless to enforce their decisions, and would have to rely on the Executive. Further, their errors they made could be remedied by Constitutional Amendments. Finally, if they did attempt to act like superlegislators, they would suffer impeachment and removal from office.\nAt the time Hamilton made these arguments, there was no historical record against which to compare his conclusions. Over 200 years later, the record is extensive, and it shows that the objection that the court would act like a tyrannical superlegislature was well-founded.\nNote in particular that although Hamilton *says* that the argument that the court would act like a superlegislature is unfounded, he never actually *engages* with the argument, but simply states that the Constitution does not “directly” authorize such a result, and that if the argument is correct, it militates against an independent Court altogether; and concludes that the processes of Constitutional Amendment and Impeachment are sufficient bulwarks in any event.\nTo the contrary, the Court’s decisions about voting rights and more broadly civil rights, for good or ill, have had major impacts on everyday life. Its radical Dred Scot decision was a major precipitating factor leading to the Civil War, leaving 700,000 dead in its wake. Only thereafter, and only with the Confederate States being excluded from the Constitutional process were the 13th, 14th, and 15th Amendments able to be passed. For the vast majority of its subsequent history, the Court has manifested hostility to the 15th Amendment in particular. And so long as a Justice’s views are aligned with those of at least 1/3+1 of the Senate, impeachment is a dead letter.\nIn short, it turns out that the objection to the US Constitution’s treatment of the Supreme Court quoted above by Hamilton in Federalist Number 81 turns out to have been well-founded.", "label": "No"}
{"text": "Sea Buckthorn Leaves May Hold Benefit for the Liver\nFRIDAY May 23, 2008 -- Sea buckthorn leaves are rich in antioxidants and may help protect against liver damage, according to a study by researchers in India.\nThe berries of the plant -- indigenous to the mountainous regions of China and Russia -- are already well known for their high levels of antioxidants and cholesterol-lowering properties, according to background information in the study.\nIn this study, the researchers examined whether sea buckthorn leaf extract could protect rats against liver damage.\nThe rats were divided into six groups: Group one was given a daily dose of saline for five days; group two received saline for four days and on the fifth day received a liver-damaging agent called carbon tetrachloride (CCI4); group three received a daily dose of silymarin for five days followed by a single dose of CCI4; groups four, five and six received 50, 100 and 200 milligrams of sea buckthorn leaf extract, respectively, for five days followed by a single dose of CCI4.\nRats that received CCI4 but no leaf extract suffered significant liver damage compared to the rats that didn't receive CCI4. But liver damage was greatly reduced in the rats that received the 100- and 200-milligram doses of leaf extract and CCI4.\nThe study was published in the current issue of the Journal of the Science of Food and Agriculture.\nThe U.S. National Library of Medicine has more on liver diseases.\nPosted: May 2008\nRecommended for you", "label": "No"}
{"text": "Visual Speech Alters the Discrimination and Identification of Non-Intact Auditory Speech in Children with Hearing Loss\nHervé Abdi et al., \"Visual Speech Alters the Discrimination and Identification of Non-Intact Auditory Speech in Children with Hearing Loss\", in International Journal of Pediatric Otorhinolaryngology, Volume 94, March 2017.\nUnderstanding spoken language is an audiovisual event that depends critically on the ability to discriminate and identify phonemes yet we have little evidence about the role of early auditory experience and visual speech on the development of these fundamental perceptual skills. Objectives of this research were to determine 1) how visual speech influences phoneme discrimination and identification; 2) whether visual speech influences these two processes in a like manner, such that discrimination predicts identification; and 3) how the degree of hearing loss affects this relationship. Such evidence is crucial for developing effective intervention strategies to mitigate the effects of hearing loss on language development.\nParticipants were 58 children with early-onset sensorineural hearing loss (CHL, 53% girls, M = 9;4 yrs) and 58 children with normal hearing (CNH, 53% girls, M = 9;4 yrs). Test items were consonant-vowel (CV) syllables and nonwords with intact visual speech coupled to non-intact auditory speech (excised onsets) as, for example, an intact consonant/rhyme in the visual track (Baa or Baz) coupled to non-intact onset/rhyme in the auditory track (/–B/aa or /–B/az). The items started with an easy-to-speechread /B/ or difficult-to-speechread /G/ onset and were presented in the auditory (static face) vs. audiovisual (dynamic face) modes. We assessed discrimination for intact vs. non-intact different pairs (e.g., Baa:/–B/aa). We predicted that visual speech would cause the non-intact onset to be perceived as intact and would therefore generate more same—as opposed to different—responses in the audiovisual than auditory mode. We assessed identification by repetition of nonwords with non-intact onsets (e.g., /–B/az). We predicted that visual speech would cause the non-intact onset to be perceived as intact and would therefore generate more Baz—as opposed to az— responses in the audiovisual than auditory mode.\nPerformance in the audiovisual mode showed more same responses for the intact vs. non-intact different pairs (e.g., Baa:/–B/aa) and more intact onset responses for nonword repetition (Baz for /–B/az). Thus visual speech altered both discrimination and identification in the CHL—to a large extent for the /B/ onsets but only minimally for the /G/ onsets. The CHL identified the stimuli similarly to the CNH but did not discriminate the stimuli similarly. A bias-free measure of the children’s discrimination skills (i.e., d́ analysis) revealed that the CHL had greater difficulty discriminating intact from non-intact speech in both modes. As the degree of HL worsened, the ability to discriminate the intact vs. non-intact onsets in the auditory mode worsened. Discrimination ability in CHL significantly predicted their identification of the onsets—even after variation due to the other variables was controlled.\nThese results clearly established that visual speech can fill in non-intact auditory speech, and this effect, in turn, made the non-intact onsets more difficult to discriminate from intact speech and more likely to be perceived as intact. Such results 1) demonstrate the value of visual speech at multiple levels of linguistic processing and 2) support intervention programs that view visual speech as a powerful asset for developing spoken language in CHL.", "label": "No"}
{"text": "\"This is a really exciting project to improve how we view and present our forensic findings to detectives in real time.\"\nBSc(Hons) Forensic Science graduate Kayleigh Sheppard.\nForensics experts at Staffordshire University and Staffordshire Police have joined forces to investigate the potential of digital imaging technology in solving crimes.\nThe Spheron-VR Sceneworks technology consists of 360 degree camera and associated software which allows a visual file of a crime-scene to be uploaded and stored on a remote server where it can be accessed by authorised personnel working on the case.\nIt also allows for the addition of ‘hotspots’ which can point investigating officers to detailed physical evidence such as laboratory analysis of fingerprints and blood spatters; detailed photographs and even witness statements which can all be stored on the system.\nProfessor John Cassella said: “This technology has been described as a game-changer and I’m inclined to agree. It can be accessed by people with a role in an investigation from any computer and functions as a one-stop shop for all evidence.”\nAlthough the technology is already used extensively in Germany, other countries have been slower to catch on to its potential.\nProfessor Casella said: “We are one of the first Universities to be looking at this technology and we’re delighted to be doing so in partnership with Staffordshire Police Forensics Department which is working with one of our graduates to assess its operational use.”\n“It will also be used in our undergraduate teaching as part of our activity in the University’s crime scene house and in the classroom.”\nBSc(Hons) Forensic Science graduate Kayleigh Sheppard, 21, said she felt privileged to have been selected for placement with Staffordshire Police Forensics Department.\n“The nature of the project I undertook gave me the opportunity to gain real world experience working with Forensic Investigators, where I could put my knowledge from University into practice. I thoroughly enjoyed my placement and cannot thank Staffordshire Police enough for giving me this brilliant opportunity - one that won’t come around very often. “\nFollowing on from the pilot study, Kayleigh will now be supported by the University to continue the project by undertaking a PhD.\nShe added: “This PhD research will allow me to further test the efficiency of this type of technology within Police forces with the hope of implementation to aid in crime scene management and presentation.”\nJohn Beckwith, Head of Forensics, Staffordshire Police, said: \"This is a really exciting project to improve how we view and present our forensic findings to detectives in real time. Right through to court, viewing evidence in this way will help everybody to understand more clearly what’s important in cases. Simplifying sometimes complex findings will assist in bringing criminals to justice more quickly and help protect our communities.\"\n\"Again we are seeing great opportunities from our partnership work with Staffordshire University to deliver service improvements in serious and complex investigations.\n”We are now looking to extend this even further, building on the successes of these projects to deliver an outstanding service for Staffordshire. Kayleigh and the other students bring new ideas, tremendous enthusiasm and skills help us to introduce these improvements today rather than many months or years down the line. This gives front line Forensics teams the very best tools to do their job.”\nPeter Taylor, UK Technical Business Manager, SpheronVR, added: “We’re very pleased to see the next generation of scientists and forensic science professionals utilise our equipment to both benefit their education process and also help set new methods for future crime forensic recordings.”\nMedia Relations Manager\nMarketing and Public Relations\nL600, Flaxman Building\nt: +44 (0)1782 294375\nm: 07766 520339", "label": "No"}
{"text": "WWF is supporting the research of the Catlin Arctic Survey. This year’s research includes an expedition across the ice, as well as an ice base, both in the far north of Canada. The main purpose of the mission is to gather data on the changing Arctic Ocean currents.\nRead an article on the WWF Global Arctic Programme website announcing the launch of the 2011 Catlin Arctic Survey here.\nBy Dr Helen Findlay\nIf you want to understand how ocean acidification might impact some marine creatures you need to do two things. First go to the seaside and find a seashell. Then go to a shop and buy a fizzy drink, any brand will do. Put the seashell in the fizzy drink and leave it for a few days. You will see that it is starts to dissolve away.\nA similar process is happening in the oceans today. Carbon dioxide in the atmosphere is being absorbed into the ocean. When carbon dioxide dissolves in water it forms carbonic acid. Fizzy drinks are carbonated – they have carbon dioxide bubbled into them and this makes them acidic. Carbon dioxide is taken up into cold waters more rapidly and so the process of ocean acidification affects the coldest seas, such as the Arctic Ocean, the most.\nOn the pH scale the oceans are actually basic – the current average pH level of the oceans is about 8.2 (compared to freshwater which is pH 7). By continually adding more carbon dioxide, and increasing the amount of hydrogen ions, the ocean is becoming more acidic – the pH level is dropping. The pH level will continue to decrease into the future as long as carbon dioxide keeps being absorbed by the oceans.\nSince the beginning of the Industrial Revolution, there has been already been a 0.1 drop in pH level. Models predict that the pH level will continue to lower (become more acid) to 7.8 in the next 100 years and to 7.4 in 300 years.\nThis may seem like a small amount but the impact can be quite large. All organisms need to regulate their internal pH and marine creatures are no exception. The difference is that many marine organisms are more dependent on the ocean to act as a pH regulator. It is also important for those organisms that have shells made of calcium carbonate – they find it difficult to maintain their shells, which start to dissolve as the pH decreases (just like in a fizzy drink, only much slower).\nThe Arctic acts as a bellwether for acid levels in our seas and their impact on the marine ecosystem. Acidification is thought to happen here faster than anywhere else but there is still a lot we don’t understand about how the sea ice and associated processes affect how carbon dioxide is taken up into the Arctic Ocean. The research being carried out here at the Catlin Arctic Survey Ice Base is trying to find out more about the transfer of carbon dioxide through sea ice, what this means in terms of ocean acidification and how acidification, or changes in these processes, might affect the organisms that live in and under the sea ice.", "label": "No"}
{"text": "People experience a number of rashes throughout their lifetime, mostly as children. While it may seem scary to some, most rashes are easily treated and leave no lasting evidence of their presence. Here is a complete guide with all the essential information for dealing with one of those rashes - impetigo.\nImpetigo is a very common, but highly contagious, skin infection. It is caused by streptococcus or staphylococcus bacteria. It can also be caused my methicillin-resistant staph aureus, or MRSA for short, and is becoming more and more common.\nThe skin itself is usually an effective barrier against infection, but the tiniest break in the skin can allow bacteria to enter and grow, causing infection. Often, impetigo results after certain aflictions, such as:\n- Animal bites\n- Human bites\n- Insect bites\nIt is also possible for impetigo to occur on healthy, unbroken skin. Impetigo is most common in infants and children living with poor living conditions or those with a lack of sanitation, but can also affect adults.\nImpetigo is characterized by a blistered rash. The rash may have pus-filled blisters that are easy to pop and leave a reddish-colored, raw-looking base.\n- The fluid in the blisters may be yellow or amber colored, and the blisters may ooze and crust over.\n- The rash is typically itchy and scratching it can spread the blisters if someone touches another area of the body after scratching.\n- The lesions are usually found on the face, lips, arms or legs.\n- Swollen lymph nodes may be felt in the area near the rash.\nTypically, just seeing the rash is enough for diagnosis, but with MRSA becoming more common, doctors may culture the fluid in the blisters to see what bacteria is causing the impetigo. If caused by MRSA, there are different medications used than if it were caused by another type of bacteria.\nTreatment for impetigo is very simple. A mild case of impetigo can be treated by applying a prescription antibiotic cream to the lesions. More severe cases will require oral antibiotics in addition to the antibacterial cream.\nImpetigo caused by MRSA may be harder to treat, but treatment is still possible. There are some medications that can treat MRSA, although these are usually administered by intravenous (IV) line in a hospital. Often times, simply lancing the blisters in a doctor's office is enough to treat impetigo caused by MRSA, but only a doctor can make that determination, so it's important to see a doctor as soon as possible if any blisters appear.\nNo matter what bacteria are causing the impetigo, the skin should always be washed gently several times a day with antibacterial soap and water to remove crusts and drainage. Skin should never be scrubbed vigorously because it can cause the blisters to spread and damage the surrounding healthy skin. Sores heal very slowly but they do not often scar.\nIf left untreated scarring can result due to the deepening infection. Kidney failure as a result of the spreading of a streptococcus infection is also possible if impetigo is left untreated. The most common complication associated with impetigo is spreading the rash to other parts of the body or other people by scratching the rash and then touching other skin or other people.\nPrevention of impetigo is fairly simple. By following these tips, people can prevent most infections, including impetigo.\n- Good hygiene goes a long way toward preventing infections of all kinds. Frequent hand washing or the use of hand sanitizer will prevent the spread of infections.\n- Any cuts or scrapes should be thoroughly cleaned and treated with over-the-counter, antibiotic cream.\n- Never share towels, wash clothes, razors or other personal items with anyone, even family members.\n- If someone already has impetigo they need to use a clean wash cloths and towels each time they clean or touch lesions.\n- Hands should be washed with antibacterial soap and warm water after touching lesions and before touching anything else.\nImpetigo in Children\nImpetigo is most common in children, particularly those who live in areas with poor sanitation. Impetigo most often affects pre-school and school age children, but it can affect infants and teenagers as well.\nIn children, impetigo can occur after a rash, like poison ivy, when a child scratches too hard or too often. This can result in a break in the skin, allowing bacteria to enter the skin causing an infection.\nTreatment for impetigo in children is the same as adults. The challenge with impetigo in children is keeping the lesions clean and preventing the children from scratching the rash as it can be quite itchy. Rashes on the body can be easily covered with gauze pads to prevent the child from scratching and to keep sores from oozing onto surrounding skin, but it is a bit difficult to cover the blisters on the face, which is where they commonly occur. Parents will have to be very diligent to prevent the rash from spreading.\nImpetigo can be irritating, but it is very treatable. With good hygiene and proper care, impetigo can be prevented or treated easily and quickly, and leave no lasting effects.", "label": "No"}
{"text": "The folklore and legends of Wales are among the oldest and the most exciting. Many survive in ancient manuscripts, such as the ‘Red Book of Hergest’ and the ‘White Book of Rhydderch’, both dating from the 14th century but almost certainly referencing much earlier sources. In the middle of the 19th century many of these surviving stories were compiled and translated into English by Lady Charlotte Guest as The Mabinogion. Some of the oldest stories featuring King Arthur appear in The Mabinogion and are therefore of worldwide importance.\nIn addition to such epics, there is a wealth of local legends, yarns and strange superstitions recorded from throughout the Principality. These are, in their way, arguably all the more interesting to the average reader in that they reveal the very real beliefs of our recent ancestors. Most people living in the Welsh countryside in the 18th and 19th centuries firmly believed in the existence of fairies, ghosts, witchcraft and even – in one or two communities – dragons.\nFor the purposes of this necessarily brief introduction to the folk tales of Wales, I have focused in on these less well-known stories and accounts. In them you will meet a wide variety of strange beings and fascinating characters, such as the elegant, aristocratic but dangerously amoral Fair Tribe; the crafty old lady who fooled the Devil; wicked witches and helpful healers; the saint who lost her head and got it back again; the woman who had to fend off a fiendish version of her husband in the bedroom; and the man who had to lean against a cow for comfort after being spooked by a scary ghost.\nThe folklore of Wales paints it as a wonderfully magical place. Many would say this is still true today.\nReleased: April 2015\nSize: 180 x 110mm", "label": "No"}
{"text": "The influent to an industrial wastewater treatment system (IWTS) varies in flow and concentration of pollutants because the discharges from the manufacturing and utility processes are not constant. This variation affects the operation of the IWTS and could adversely affect the effluent quality from the plant. The objective of equalization is to minimize or control fluctuations in wastewater characteristics in order to provide optimum conditions for subsequent treatment processes. There are two common methods of flow equalization: in-line and side-line equalization as shown if Fig. 1.\nFig. 1 Methods of equalization (I.W.T, 1999)\nIn-line and side-line equalization systems are both effective ways to equalize flow volumes, but in-line equalization is more effective for leveling out the variations in influent concentration because the entire flow is blended with the entire contents of the holding tank. The size and type of equalization basin provided varies with the quantity of waste and the variability of the wastewater stream. The basin should be of a sufficient size to adequately absorb waste fluctuations caused by variations in plant-production scheduling and to dampen the concentrated batches periodically dumped or spilled to the sewer. The purpose of equalization for industrial treatment facilities are:\n1. To provide adequate dampening of organic fluctuations in order to prevent shock loading of biological systems.\n2. To provide adequate pH control or to minimize the chemical requirements necessary for neutralization.\n3. To minimize flow surges to physical-chemical treatment systems and permit chemical feed rates compatible with feeding equipment.\n4. To provide continuous feed to biological systems over periods when the manufacturing plant is not operating.\n5. To provide capacity for controlled discharge of wastes to municipal systems in order to distribute waste loads more evenly.\n6. To prevent high concentrations of toxic materials from entering the biological treatment plant.\nMixing is usually provided to ensure adequate equalization and to prevent settleable solids from depositing in the basin. In addition, the oxidation of reduced compounds present in the wastestream or the reduction of BOD by air stripping may be achieved through mixing and aeration. Methods that have been used for mixing include distribution of inlet flow and baffling, turbine mixing, diffused air aeration and mechanical aeration. The most common method is to provide submerged mixers or, in the case of a readily degradable wastewater such as a brewery, to use surface aerators employing a power level of approximately (0.003 to 0.004 KW/m3 ). Air requirements for diffused air aeration are approximately 3.74 m3 air / m waste (Eckenfelder, 1989). Equalization basin types are shown in Fig. 2.\nFig. 2 Equalization basin types (Eckenfelder, 1989)\nThe equalization basin may be designed with a variable volume to provide, a constant effluent flow or with a constant volume and an effluent flow which varies with the influent. The variable-volume basin is particularly applicable to the chemical treatment of wastes having a low daily volume. This type of basin may also be used for discharge of wastes to municipal sewers. It may be desirable to program the effluent pumping rate to discharge the maximum quantity of waste during periods of normally low flow to the municipal treatment facility.\nEqualization basins may be designed to equalize flow, concentration, or both. For flow equalization, the cumulative flow is plotted versus time over the equalization period (that is, 24 h). The maximum volume with respect to the constant discharge line is the equalization volume required.\nEqualization Tank Volume Calculation Example (Click to download)", "label": "No"}
{"text": "(Genesis 43.11 & 45.9)\nJacob and his family were living in Canaan from where the honey would have come. However, it was not until some 400 years later that God for the first time told Moses that the Land of Canaan flowed with milk and honey (Ex 3.8). The expression \"flowing with milk and honey\" is a metaphor that describes conditions as detailed in Deuteronomy 8.7-10, where there is no lack of food and water, and where all is peaceful, restful, and calm. God had prepared such a land for the people He called His \"peculiar treasure\" (Ex 19.5).\nNo honey was to be used in any of the offerings of the Lord made by fire (Lev 2.11). The spiritual significance of that divine ruling is valid today. Honey is known for its natural sweetness, and in our worship there should be no intrusion of human sentiment or relationships. Honey may be agreeable and refreshing in its own sphere, but when it is a question of what God delights in, the line is sharply drawn between the natural and the spiritual. Anything in our worship that reflects the sweetness and amiability of the natural man would be tantamount to diminishing the unique excellencies of the manhood of our Lord Jesus Christ.\nAnother reason why, in the wisdom of God, honey was excluded from the offerings made by fire unto the Lord, may well have been because a latent characteristic of honey is that it ferments. Honey is composed of fructose, glucose, enzymes, oil, and water. When the fructose in crystallised honey ferments, it is used to make mead, an alcoholic beverage going back to Biblical days. Following the death of Aarons sons Nadab and Abihu, Aaron and his remaining sons were warned to abstain from alcohol (Lev 10.9). So, too, our times of worship should not be occasions for uncontrolled excitement of the flesh (carnality), but should be marked by a spirit of divine dignity and peace in which we make much of our Lords perfection and work, and His exaltation to the Fathers right hand.\n\"Blessed Lord, our hearts would treasure\nAll the Fathers thoughts of Thee\"\n- Miss C A Wellesley\nNow when we consider the significance of the honey in Jacobs gift, we see a precious and sweet aspect of Josephs humanity and moral qualities in the spirit of the Lord Jesus (Gen 45.4-5). It is clear from the record we have, that Joseph was a person with a sweet and gentle nature, persevering with a quiet and meek spirit in everything he did. Not only did his father cherish his lovely disposition, but the Egyptians also recognised the uniqueness of his character. Sadly, the attitude of his brothers toward him was anything but sweet; rather, they were always filled with bitterness and envy (Gen 37.8, et al). Joseph, on the other hand, was ever kind, caring, and loving, and in due course would again confirm the sweet and sincere affections in his heart toward his brothers. Joseph ever wanted to re-establish the sweet link of family union (Prov 16.24).\nWhen Jacobs sons first came face to face with the \"ruler of all Egypt\", the manner of their speech was not the harsh, arrogant invective employed against Joseph up to the time they sold him to the Ishmeelites. During the three days that Joseph held his brothers in ward, their individual consciences began working overtime. The brothers had heard from the ruler what amounted to an exposure of their evil thoughts against their brother twenty-one years earlier. Gods word was \"quick and powerful, and sharper than any twoedged sword a discerner of the thoughts and intents of the heart (Heb 4.12).\nThe second visit of Josephs brothers to Egypt a year later was even more traumatic. The rulers silver cup being found in Benjamins sack led Judah to confess to Joseph, \"God hath found out the iniquity of thy servants\" (Gen 44.16). Furthermore, the brothers were beside themselves with fear, and in full repentance bowed themselves to the ground, just as Joseph had long ago foretold (Gen 37.7,9). Now was the time for the outpouring of words from Joseph that would be sweet to their taste: \"Come near to me, I pray you And he said, I am Joseph your brother, whom ye sold into Egypt. Now therefore be not grieved, nor angry with yourselves\" (Gen 45.4-5).\nSo, in the life of the Lord Jesus we see that many different people found His words \"Pleasant as an honeycomb, sweet to the soul, and health to the bones\" (Prov 16.24). Our Lord said to Jairus, \"Be not afraid, only believe\" (Mk 5.36); and to the widow of Nain, \"Weep not\" (Lk 7.13). To a trembling woman He said, \"Daughter, be of good comfort: thy faith hath made thee whole; go in peace\" (Lk 8.48). To an impotent man the Lord Jesus said, \"Behold, thou art made whole: sin no more, lest a worse thing come unto thee\" (Jn 5.14). To the woman taken in adultery, Jesus said, \"Neither do I condemn thee: go and sin no more\" (Jn 8.11).\nSadly, we often speak to and about fellow Christian believers in such a harsh and cruel way that it cannot be said that our words are sweet to their taste. The apostle James, writing about our unruly member, the tongue, would challenge our hearts by asking, \"Doth a fountain send forth at the same place sweet water and bitter?\" (Jas 3.11). May our gracious Lord help us to speak from a pure heart words that will prompt the holy response, \"How sweet are thy words unto my taste! yea, sweeter than honey to my mouth\" (Ps 119.103).\nSpices Tragacanth (Astragalus gummifer)\nThe Hebrew word nekoth, translated as \"spicery\" in Gen 37.25, and \"spices\" in Gen 43.11, is more accurately rendered \"tragacanth\" by Biblical scholars and botanists. The plant astragalus gummifer belongs to the pea/bean family of plants and is commonly known as one of the Milk Vetches. Astragalus gummifer can be found growing on the mountain slopes in the south of the Sinai Peninsula, in Turkey to the north, and Iran to the east. The plant is a multi-branched evergreen dwarf shrub with spiny cushions heading thorny stems and reaching a height of 1m, bearing small, white/yellow, pea-like flowers. To obtain the gum tragacanth the roots are exposed and incised just below the soil surface. The soft gum exudate is allowed to dry before being collected over a period of 10 or more days. The exudate is soluble only in water. As in Biblical days, the tragacanth mucilage is used for fusing different products together, especially in the pharmaceutical and food industries. So why did Jacob, under the guidance of the Holy Spirit, include this item in his gift?\nThe word nekoth means stricken, smitten, afflicted, and broken. Certainly Joseph suffered at the hands of his brothers, being stricken, smitten, afflicted, and broken (Gen 37.23-24; 42.21). The very one cast out by his brothers, will, by the unifying power invested in him by God, bind (glue) Jacobs family together again. As individuals, the brothers were so very different in character and disposition one from the other (Gen 49.1-28), and only a miracle of Gods grace through Joseph, would bring the family together again. Joseph accomplished his objective through the exercise of the love and grace in his heart toward his brothers (Gen 45.15). The absence of love among an assembly of Gods people will bring about division and separation, but practical love will bind us together. The apostle Paul exhorts us: \"And above all these things put on charity (love), which is the bond of perfectness (Col 3.14).\nWe know from the Scriptures that Jacobs family, i.e. the twelve tribes, remained united as one body until the death of Solomon when, through idolatry, the nation was divided into two units of ten and two tribes. The unequal division remains to this day and will continue up to the incoming of the millennial kingdom. Then, and only then, will the nation recognise the Lord Jesus as their Messiah, the One whom they rejected, who also was smitten, stricken, and afflicted (Is 53.4). The penitent remnant will look with astonishment upon their Messiah whom they pierced, and enquire about the wounds in His hands; they will hear Him reply, \"Those with which I was wounded in the house of my friends\" (Zech 12.10; 13.6). Israel will be overwhelmed with the spirit of repentance and then be saved to enjoy the millennial kingdom of peace and prosperity. The Lord, by the unifying power of His love, will fuse the nation into one indissoluble family to be joyously in subjection to the King of kings and Lord of lords throughout a glorious millennium.\nToday, Christian believers are united in one body in Christ before God (Rom 12.5; Eph 4.4). Sadly, the visible testimony of what divine grace and love has accomplished is not apparent because the \"bond of peace\" is broken. The divisions among the saints of God are due in the main to bitterness, rancour, envy, and the absence of practical love, the same traits that caused the break-up of Jacobs family. Just as tragacanth is now used extensively in industry for binding different materials together, so Christian believers know they have at their disposal the greatest power and gift for unity in the bond of peace. That power is \"the love of God shed abroad in our hearts by the Holy Spirit which is given unto us\" (Rom 5.5). May our gracious Lord help us to exercise the unifying power of His love in our hearts, one toward another (Jn 13.34-35).\nTo be continued.", "label": "No"}
{"text": "become an editor\nthe entire directory\nonly in Old_Testament/Hagar\nReligion and Spirituality\nAbraham, her consort\nIsaac, her son's half-brother\nIshmael, her son\nSarah, her mistress\nSociety: Religion and Spirituality: Christianity: Bible: Bible Study: By Book: Old Testament: Genesis\nComparative Index to Islam: Hagar (Ajar)\n- Highlights differences between Islamic and Christian beliefs about the mother of Ishmael.\n- Biblical biography of the slave girl who bore Abraham's first son.\nJewish Encyclopedia: Hagar\n- Overview of Abraham's handmaid from the traditional Jewish perspective, including Talmudic commentary and a comparison with Islamic beliefs.\nJewish Virtual Library: Hagar\n- Brief profile of the priest, with links to pertinent Torah passages.\nThe Return of Hagar\n- A Chassidic interpretation of the concubine, including the belief that Abraham married her after Sarah's death.\nYishmael and Hagar: A Perspective\n- Rabbinic commentary on some of the questions raised by the story of Sarah's expulsion of her rival.\n\" search on:\nto edit this category.\nCopyright © 1998-2014 AOL Inc.\nVisit our sister sites\nLast update: January 2, 2007 at 16:37:26 UTC -", "label": "No"}
{"text": "2011 has been the second warmest year on record for the UK, according to the Met Office.\nIt said provisional figures show that only 2006, with an average temperature of 9.73C (49.5F) was warmer than 2011's average temperature of 9.62C.\nDespite this year seeing high temperatures for long periods – including the warmest April and spring on record, the second warmest autumn and the warmest October day – early figures suggest we are ending 2011 with a \"close to average\" December.\nJohn Prior, the national climate manager at the Met Office, said: \"While it may have felt mild for many so far this December, temperatures overall have been close to what we would expect.\n\"It may be that the stark change from last year, which was the coldest December on record for the UK, has led many to think it has been unseasonably warm.\"\nAll bar one of the top 10 warmest years on record have occurred since 1997 and all the UK's top seven warmest years happened in the past decade.\nThe warmest temperature recorded this year – 33.1C on 27 June at Gravesend in Kent – was the highest recorded in the UK for five years.\nBut this was one of just a few hot days in a rather cool summer which was bookended by the warm spring and autumn.\nApart from January, the only months that had below-average temperatures were June, July and August.\nGravesend was again the location for the warmest October temperature ever, when 29.9C was recorded on 1 October, beating the previous record of 29.4C at March in Cambridgeshire on the same day in 1985.\nThe warm autumn especially seemed to have a marked impact on flora and fauna.\nThe coldest temperature was -13C at Altnaharra in the Scottish Highlands on 8 January, while the strongest gust of wind was 165mph, recorded at the summit of the Cairngorms on 8 December.\nGlobally 2011 was the 11th warmest year on record. La Niña – a weather system in the Pacific that brings cooler water to the surface – pushed down the global average, meaning this year was cooler than 2010, which broke weather records around the world.", "label": "No"}
{"text": "The Math Praxis II Test, titled \"Mathematics: Content Knowledge\" and found under testing codes 0061 and 5061, is a two hour, fifty-question multiple choice test developed and administered by the Educational Testing Service, or ETS. Taken on paper or on a computer, this test measures the mathematical knowledge and competency of teachers entering the practice at the high school level. Testing material is not aligned with any specific state curriculum, and the Math Praxis II is not required by every state for certification. Prospective teachers should check with their state licensing agencies before signing up for the test. A graphing calculator is required.\nTeachers and prospective teachers taking the Math Praxis II are tested in five basic content categories. These categories are algebra and number theory; measurement, geometry, and trigonometry; functions and calculus; data analysis and statistics and probability; and matrix data and discrete mathematics. These topics are not divided into separate sections on the test. Because the content knowledge test is designed to demonstrate an examinee's facility with math, skills from several of the listed content categories may be required to solve each individual problem.\nIn addition to testing content knowledge, the Math Praxis II test is also designed to assess the test-taker's mathematical processing skills. Mathematical thinking is tested in the process of solving and answering the fifty multiple choice questions. The test is designed to measure mathematical problem solving, mathematical reasoning and proof, mathematical connections, mathematical reasoning and use of technology. These thinking skills may be applied to any of the content categories.\nNotations, Definitions and Formulas\nWhile a certain level of basic mathematical knowledge is assumed on the part of the test taker, a number of useful notations, definitions and formulas are provided within the test booklet. These notations, definitions and formulas are generally found at the end of the test booklet and can be used to compute answers independently and with the graphing calculator. The notations for least common denominator and greatest common denominator, definitions within discrete mathematics, and the formulas for sine, cosine and volume are examples of the information provided in the booklet.\nPreparing for the Math Praxis II\nFuture educators taking the Praxis II math test generally have an undergraduate degree with a concentration in mathematical fields and are working towards teacher certification in this area. In addition to this educational background, a large number of study guides and practice books are available for purchase. Many of these study guides contain computer programs, access to online forums and practice tests. Some companies also offer test prep classes in person and online.\n- Jack Hollingsworth/Photodisc/Getty Images", "label": "No"}
{"text": "Since characters are really integers, the printed representation of a character is a decimal number. This is also a possible read syntax for a character, but writing characters that way in Lisp programs is not clear programming. You should always use the special read syntax formats that Emacs Lisp provides for characters. These syntax formats start with a question mark.\nThe usual read syntax for alphanumeric characters is a question mark followed by the character; thus, ‘?A’ for the character A, ‘?B’ for the character B, and ‘?a’ for the character a.\n?Q ⇒ 81 ?q ⇒ 113\nYou can use the same syntax for punctuation characters. However, if the punctuation character has a special syntactic meaning in Lisp, you must quote it with a ‘\\’. For example, ‘?\\(’ is the way to write the open-paren character. Likewise, if the character is ‘\\’, you must use a second ‘\\’ to quote it: ‘?\\\\’.\nYou can express the characters control-g, backspace, tab, newline, vertical tab, formfeed, space, return, del, and escape as ‘?\\a’, ‘?\\b’, ‘?\\t’, ‘?\\n’, ‘?\\v’, ‘?\\f’, ‘?\\s’, ‘?\\r’, ‘?\\d’, and ‘?\\e’, respectively. (‘?\\s’ followed by a dash has a different meaning—it applies the Super modifier to the following character.) Thus,\n?\\a ⇒ 7 ; control-g, C-g ?\\b ⇒ 8 ; backspace, <BS>, C-h ?\\t ⇒ 9 ; tab, <TAB>, C-i ?\\n ⇒ 10 ; newline, C-j ?\\v ⇒ 11 ; vertical tab, C-k ?\\f ⇒ 12 ; formfeed character, C-l ?\\r ⇒ 13 ; carriage return, <RET>, C-m ?\\e ⇒ 27 ; escape character, <ESC>, C-[ ?\\s ⇒ 32 ; space character, <SPC> ?\\\\ ⇒ 92 ; backslash character, \\ ?\\d ⇒ 127 ; delete character, <DEL>\nThese sequences which start with backslash are also known as escape sequences, because backslash plays the role of an escape character; this has nothing to do with the character <ESC>. ‘\\s’ is meant for use in character constants; in string constants, just write the space.\nA backslash is allowed, and harmless, preceding any character without a special escape meaning; thus, ‘?\\+’ is equivalent to ‘?+’. There is no reason to add a backslash before most characters. However, you must add a backslash before any of the characters ‘()\\;\"’, and you should add a backslash before any of the characters ‘|'`#.,’ to avoid confusing the Emacs commands for editing Lisp code. You can also add a backslash before whitespace characters such as space, tab, newline and formfeed. However, it is cleaner to use one of the easily readable escape sequences, such as ‘\\t’ or ‘\\s’, instead of an actual whitespace character such as a tab or a space. (If you do write backslash followed by a space, you should write an extra space after the character constant to separate it from the following text.)", "label": "No"}
{"text": "Preventive Drug Education Toolkit for Educators and Youth Counsellors\nTeachers have been the vital partners in guiding our youths towards making the right decisions and leading a drug-free, healthy lifestyle. The teachers’ significant role is also accentuated in the National Council Against Drug Abuse (NCADA) 2013 Youth Perception Survey that reveals that teachers, after family members, are the group which youths would consult on drug and inhalant abuse matters.\nCentral Narcotics Bureau (CNB), as the lead agency for preventive drug education in Singapore, distributes publications such as IN, Little Red Dot, essay booklets as well as anti-drug posters and videos to schools to provide teachers with useful drug prevention information. Customised seminars for teachers have also been organised since 1999. We have received feedback at Teachers’ Seminars that the current materials are insufficient and it would be useful if we can provide more materials for the teachers to use to educate their students on the ills of drug abuse. The idea for a Teachers’ Resource Package was thus formed and the Preventive Education Unit from CNB consulted MOE’s Education Programmes Division and Curriculum Planning and Development Division in developing the contents.\nThis resource package is produced to assist teachers in equipping the students with relevant knowledge to lead a drug-free lifestyle. It condenses relevant information on drugs and inhalant abuse into a self contained package. There are suggested activities for teachers to conduct drug education sessions for students. Teachers can utilise the relevant portions as background reading for project work or classroom discussions. The resources can also be reproduced easily for students, parents and staff.\nYou can download the resource toolkit by clicking on the link below.\nEducation Toolkit for Educators and Youth Counsellors (PDF, 23181 KB)", "label": "No"}
{"text": "A popular AI tool that turns text into images appears to be creating its ‘own language’ of indecipherable gibberish and using it to categorise different pictures.\nThe DALL-E tool, which uses AI to generate images from text, is seemingly generating nonsense text when instructed to create images featuring printed words.\nComputer science PhD student Giannis Daras took to Twitter to share examples of the ‘language’, including phrases the AI had created to identify birds and insects.\n“Apoploe vesrreaitais” means ‘birds’, while “Contarra ccetnxniams luryca tanniounons” means insects.\nDaras claimed in the viral thread that if you enter the gibberish words created by the AI back into the system, it will generate images linked to those phrases.\nIn a research paper which is yet to be peer-reviewed, Daras and his colleague Alexandros G. Dimakis said: ““[T]ext prompts such as: ‘An image of the word airplane’ often lead to generated images that depict gibberish text.\n“We discover that this produced text is not random, but rather reveals a hidden vocabulary that the model seems to have developed internally.\n‘Demonic’ AI generating its own secret written language that nobody can understand – Daily Star‘Demonic’ AI generating its own secret written language that nobody can understand – Daily Star", "label": "No"}
{"text": "By the Kabul valley route, which includes at its head the group of passes across the Hindu Kush which extend from the Khawak to the Kaoshan, all those central Asian hordes, be they Sacae, Yue-chi, Jats, Goths or Huns, who were driven towards the rich plains of the south, entered the Punjab.\n300) India was invaded from the north by tribes partly of Parthian and partly of Turki (Yue-chi, &c.) origin.\nOur earliest information about the Ephthalites comes from the Chinese chronicles, in which it is stated that they were originally a tribe of the great Yue-Chi, living to the north of the Great Wall, and in subjection to the Jwen-Jwen, as were also the Turks at one time.\nThe Chinese statement that the Hoa or Ye-tha were a section of the great Yue-Chi, and that their customs resembled those of the Turks (Tu-Kiue), is probably correct, but does not amount to much, for the relationship did not prevent them from fighting with the Yue-Chi and Turks, and means little more than that they belonged to the warlike and energetic section of central Asian nomads, which is in any case certain.\nThis may, however, be due to the fact that their contact with civilization was so short; the Yue-Chi and Turks had had some commerce with more advanced races before they played any part in political history, but the Ephthalites appear as raw barbarians, and were annihilated as a nation in little more than a hundred years.", "label": "No"}
{"text": "Scientific theorizing is indeed about finding something reliable in the world — if we’re lucky something reliable enough to be called a law. Why do we want something that doesn’t change? Deep question. Here’s a practical reason: we aim to capture it with something that doesn’t change, namely with ink on paper. Stability, stationarity, ergodicity… are the holy grail of science.\nEconomics is often presented — and lamented — to be beset with different difficulties than other sciences. Most commonly it’s contrasted with physics. To state the obvious: economics is different, otherwise we would just call it physics. But the perceived qualitative difference has often more to do with a naïve understanding of physics than with a fundamental difference in epistemology. But, I hear the objection, economics is self-referential: so are biology and medicine — sciences conducted by their objects of study. So is physics, for that matter — what am I if not a curiously arranged pile of fundamental particles? Ok, but things are not stationary in economics, so it really is different. Well — no. Nothing is stationary, said Heraclitus — a truth that never budged.\nStationarity in physics\nLet’s look at something concrete: Newton’s laws (also in our lecture notes). They can be written down in ink, as valid today as they were in 1666 — and yet they don’t invalidate Heraclitus, describing, as they do, all those swirling ever-changing galaxies around us. Take Newton’s second law , force is mass times acceleration (second time-derivative of position). It can be written down in ink, so something is stationary. What exactly is that? The stationary thing, really, is a relationship among concepts. The equation describes something very non-stationary.\nLet’s make it easy and say mass and force are fixed, as for an apple falling from a tree. The position of the apple is clearly not stationary, it changes. If we want to get something stable from something that keeps changing, differentiating with respect to time is generally a good idea (though we may need help from non-linear transformations). Maybe, then, the rate of change in the position is stationary? No, it’s not. Newton had to work really hard to find that the rate of change of the rate of change of the position of the apple is stable — until it hits the ground, that is.\nSo no, stationarity — invariance, constancy — doesn’t exactly stare us in the face when we look at physics. Unless we’re Newton or Lagrange or Hamilton or Emmy Noether.\nNewton was looking at positions, , and how they behave over time. His genius allowed him to transform positions until he found something stable about them.\nMore recently, there has been a trend in physics of appreciating non-stationarity. It’s an interesting change of perspective. If we can put things down in ink, we must have transformed away the changes in the world (that’s the green line in the figure above). But we can also leave the changes as they are and illustrate them (that would be the blue line). The second perspective focuses the mind on non-ergodic concepts, for example ageing in statistical mechanics, and sometimes it’s easier to think that way.\nErgodicity in economics\nThe stationarity debate is HUGE in economics, conducted under various labels (stationarity, ergodicity, stability, equilibrium). Samuelson famously said that not hypothesizing ergodicity “takes the subject out of the realm of science into the realm of genuine history.” This statement is not incorrect, but sometimes it’s interpreted in a way that comes close to sabotage.\nHaving spent some time totally puzzled by Samuelson’s statement, the way I think of it now is ‘Find what may sensibly be modeled as ergodic’, whereas the sabotage-interpretation is ‘take any old thing and model it as ergodic.’ But the former is hard work! Look what Newton had to do to get invariance! In economics it’s even worse because we have to model fickle-minded humans. What can I say? Tough.\nEconomic “laws” may not be as good as the laws we’ve found in other fields. Plausible regularities may be present but swamped by changes in attendant circumstances. The regularities we find may not predict what happens tomorrow but rather provide stable relationships between quantities, while the quantities themselves change. Think of Pythagoras’ theorem: it doesn’t tell us the hypotenuse is five feet long, it just puts it in relation to the catheti.\nIf we do the search for the laws properly — keeping track of both our knowledge and of our ignorance — then perhaps we will learn when the laws are practically meaningful and when not, or when a computer simulation may be useful and when not.\nBut this problem of being on shaky ground is not limited to economics. Scientific progress in general operates on the frontier of discernible laws. We think we see something, and then it turns out to be a fluke. Sadly, that’s the nature of the beast (more on reproducibility here).\nStory-telling in history and science\nThe juxtaposition of science and history in Samuelson’s statement is curious. What’s that about? How are they related? Through story-telling, I contend.\nOne part of history is recording what happened. Because what happened is in the past, we can be certain that it won’t change. An easy victory for ink, one might think. But alas! what should be written down, and how? Berthold Brecht wrote: “Caesar defeated the Gauls. Did he not even have a cook with him?” It’s not possible to write down everything that’s happened. Quite the opposite: we have to leave out almost everything, because we have to condense what happened to a manageable volume.\nAs we do this — whether we like it or not — we impose a narrative. In some way, far beyond recording events, we make sense of them. This sense-making may be futile in history. History doesn’t repeat itself (how often have I heard that phrase!). But we cannot not do it — expose patterns, regularities, something stable in the facts of the past. Some law.\nImpossible as it is, history emphasizes recording past events. Naïvely, ink is a good medium for that because of the curious nature of time. Things in the past don’t change, whereas things in the future — let’s say they’re more flexible. I say naïvely because what we include in today’s narrative derived from the past may not be included in tomorrow’s narrative derived from the same past. History is constantly being re-visited.\nScience also records past events: data. For example, observations of positions and time . Galileo let ink-drenched bronze balls leave marks on paper, very literally recording in ink. But science emphasizes the shape of the curve left by those past events, the story rather than the history.\nHistory and science are related. History may try to stay away from story-telling. Where it does, it must fail because of grammatical constraints imposed on its language — Cormac McCarthy wrote recently “At some point the mind must grammaticize facts and convert them to narratives.” Science celebrates story-telling. Science becomes science when we invent a narrative and turn data into story, ink splashes into a parabola.\nThat’s a good place to end: the London Mathematical Laboratory quite literally celebrates story-telling, in collaboration with the Barbican, namely in the form of our Science on Screen program. Let scientists collide with on-screen stories — the results can be astonishing.", "label": "No"}
{"text": "We can hope can’t we? Organic material, or methane seems the most likely. What a scientist would consider historic might seem like a yawn to many if not most non-specialists in that field.\nI don’t know. We thought we might have before, and it disappointed (although some suggest we did find life before – the evidence is clearly too sketchy to get excited either way).\nBut in case you didn’t hear, NASA’s Curiosity had a big find that NASA is keeping secret as it tests and retests the data. They don’t seem interested in managing expectations at all, announcing that “this data is gonna be for the history books”. That’s quite a statement, isn’t it? More conservative guesses are that it’s organic material in the soil. I found this passage from that article interesting:\n“Whatever Curiosity has found, it is not evidence for life on Mars. It can’t be. Curiosity is not designed to look for life. Grotzinger has stated this himself. In a NASA video about the mission, he says, “Curiosity is not a life detection mission. We’re not actually looking for life; we don’t have the ability to detect life if it was there.”\nWhat if they brushed dirt off a small fossil? What if a little bug crawled across the screen and Curiosity followed it back to a Martian ant hill? Or lichen on a rock? “Not designed to look for life”? What an unimaginative way of thinking about things. They mean, of course, that it isn’t equipped to identify microbial life in soil. But Mars is a big planet, and even if most of it is blighted and uninhabitable that doesn’t mean Curiosity couldn’t have stumbled on something previous probes missed.\nOf course, it probably isn’t life. It probably found the sorts of things it was sent to find. That’s where the smart money is. But “for the history books” is an intriguing turn of phrase, and I’ll be waiting expectantly until they announce exactly what we’ve got here.\nSo what do you think:\n1. Will we hear in a couple weeks that there is life on Mars right now?\n2. How will that change the way people thinking about their place in the universe?\nHave we found life on Mars?\nSun, 25 Nov 2012 13:50:00 GMT\nYou should always adjust for population.\nSun, 25 Nov 2012 22:24:00 GMT\nRogoff & Reinhart insist with their argument that the economy is performing as best as is possible following a financial crisis.\nThis is the last question and answer from the interview:\nWhat are some of the key lessons from the financial crisis and the recovery?\nReinhart: The U.S. recovery very much fits the mold of those following any severe financial crisis. The U.S. did not have as sharp an initial decline in output as what you have seen in emerging markets or, in effect, as what you saw in prior crises in U.S. history.—not just the Great Depression, but in the crises of 1907 and 1893, as well. In all of these, there were years where you had massive initial declines in GDP [gross domestic product] of 10% or 12%. In the Depression, it was 30%. We did not have that this time. But all the other developments were the same, including the failure to regain what was lost in income and employment, and how long it has lasted.\nPost-war recessions, on average, barely last a year. And here we are having these conversations five years after the onset of the subprime crisis. It attests to the long duration of this type of systemic crisis. In the historical context, the U.S. has had, overall, a pretty good track record in the latest crisis. In terms of income per person and in comparison with other countries that are having similarly severe crises, we are doing pretty well–but not so hot in terms of unemployment.\nRogoff: We have always argued that the right metric for thinking about deep financial crises is to compare the current conditions to where you started. It is a much more robust method, particularly because there are false starts, and you don’t know when the recovery starts. It is really getting into semantics to say, “Well, we are not racing ahead that fast.” But the flip side of that is that a lot of effort was made to have the economy not fall that fast. There is basically fiscal stimulus being taken out of the economy, for example, as we are consolidating from the initial $800 billion stimulus in 2009. And if we hadn’t done that, there would be more room to make the economy grow faster now. But that doesn’t mean we would be ahead.\n“We did not have that this time”. I certainly agree and would be surprised if more than one century later we would make the same mistake. But we did, only in much less intensity. Nominal spending in 2009 didn´t drop 13.5% like in 1894 (relative to 1892) but only 3% (relative to 2008). This was a first since 1938. But in 2010 we could have been much more “aggressive” in getting spending up, as it was done in 1895.\nAnd isn´t it comforting to read Rogoff saying: “But the flip side of that is that a lot of effort was made to have the economy not fall that fast”. Yes, belatedly the monetary “breaks” were applied cushioning the fall, but what is lacking is the requisite monetary “acceleration” to get the economy back out of the “ravine”.\nThe Charts below provide the illustration.\nThe Crisis: Monetary policy, “not guilty”. The fault lies with “human nature”\nSun, 25 Nov 2012 03:06:27 GMT\nIs really possible people are as confused as this suggests??? Even with preogressive taxes, you don’t end up with less income from more work, just only part of the extra income from more work. I think people understand this, but aren’t expressing themselves very clearly here.\nHere is an exercise. What is wrong with the way the people quoted below are thinking?\n1. Kristina Collins, a chiropractor in McLean, Va., said she and her husband planned to closely monitor the business income from their joint practice to avoid crossing the income threshold for higher taxes outlined by President Obama on earnings above $200,000 for individuals and $250,000 for couples.\nMs. Collins said she felt torn by being near the cutoff line and disappointed that federal tax policy was providing a disincentive to keep expanding a business she founded in 1998.\n“If we’re really close and it’s near the end-year, maybe we’ll just close down for a while and go on vacation,” she said.\n2. … [the extra money that comes with a raise] “is nice, but it could very well bump you into the next tax bracket, possibly leaving you with less money than you had before the raise.”\nFor an answer, see the wikipedia entry on “Tax Rate” and Matthew Yglesias’s posts “Nobody Understands How Taxes Work,” “Tax Whiners Don’t Understand How Marginal Tax Rates Work,” and “Tax Ignoramuses.”\nHow Marginal Tax Rates Work\nFri, 23 Nov 2012 13:00:57 GMT\nFri, 30 Dec 2011 00:00:00 GMT\nWhat would happen if the price of gas in the ravaged northeast went to a gouging price? there are suggestions by John Cochrane of the University of Chicago below. The claimed effects are mostly good. Price gouging is often defended by economists.\nI think it might induce more theft of gasoline as well though, and clearly the well to do would likely be advantaged. A lot what is suggested here would likely go on in practice as well.\n… If New York and New Jersey let people charge whatever they wanted for gas, and prices went up to $25 per gallon then…\nHere are some ideas to get you started\n- People would voluntarily stay home.\n- Rather than allocating gas to people with time on their hands to wait in line, gas would go to people who are really busy.\n- People would voluntarily form carpools. Better, they would advertise for paying carpool mates on Craigslist, and the minivan owner running it would be able to get gas.\n- People who have emergencies, like wife needing to go to the hospital to deliver a baby, could get gas to do so.\n- Ditto emergency services, fire, ambulances, cops\n- Gas stations would have bought generators, so they could pump and sell gas at a big profit when the power goes out.\n- Gas stations would buy said generators now. (We need to get rid of gouging laws on the generators too, so that gas stations needing generators can pay through the nose to get them, instead of someone who wants to recharge his iphone.)\n- People who don’t have to go anywhere would siphon their gas and sell it neighbors. Or second-car gas.\n- They’d siphon their lawnmowers too.\n- People would rent tanker trucks, drive around the northeast, buy gas and resell it in NY.\n- Actually, people might get a bunch of gas cans and drive the gas in from rural areas in the back of pickups. Not sure if this is a good idea, especially for smokers, but it would improve gas supplies.\n- Exxon would have spent the money for more storage tanks in NJ, ready to sell gas at high prices in an emergency.\nGas price contest\nJohn H. Cochrane\nTue, 13 Nov 2012 02:13:00 GMT\nArticle written by guest writer Kecia Lynn What’s the Latest Development? A paper soon to appear in Astronomy and Astrophysics reports the discovery of a “rogue planet” about 100 light-years from Earth. This planet, which is drifting in space without a sun to orbit around, is the nearest of …\nFound In Our Neighborhood: A Planet Without A Sun\nWed, 14 Nov 2012 14:41:00 GMT\nThis is from Lew Rockwell, FYI:\nIt seems that the mean-spirited and envious Republicans will finally allow Ron to deliver his eloquent “Farewell Address.” While it is a so-long to Congress and the various crooks, liars, con men, and clowns who comprise it, it is far more important than that. Ron lays out a blueprint of exactly what is wrong, thanks to the rotten government, and how to set about fixing it. He talks philosophy and the most practical matters, too. He also tells us bout the ideas he will be advancing in his freer life post-Congress and post-politics. We have so much to look forward to! Watch this space for the CSPAN schedule, and the YouTube, and prepare to be moved, thrilled, and inspired. (Thanks to Jeff Deist)\nUPDATE It looks as if his talk will be at 3:00pm EST today. (Thanks, Jeff)\nUPDATE Now it is scheduled for 2:00pm EST. (Thanks to Norm Singleton)\nSo by my calculations, that’s starting in about 5 minutes as I post this…\nRon Paul’s Farewell Address\nWed, 14 Nov 2012 18:54:34 GMT", "label": "No"}
{"text": "Welcome to Snapchat nation, where any problem, thought, feeling, or inequality will be forgotten in less than ten seconds.\nThe thought that racism ended with the election of President Barack Obama in 2009, is incorrect and needs to come to an end. Racism is still a huge part of the society and will continue to be if action is not taken. It is not one’s fault that they were raised within a system of lies, but it is now their responsibility to create change.\nOnly 10 percent of Connecticut’s 169 towns offers affordable housing.\nA shockingly low percentage when statistics show African American families are three times more likely to grow up poor.\nIn today’s society where 30 percent of someone’s paycheck goes toward housing, it is very important that the place were one resides typically is their biggest investment.\nExclusionary zoning affects people of color directly and drastically. Exclusionary zoning is zoning ordinances that keep out certain people from a given community. These ordinances can create white dominant towns and prevent children of color from attending superior schools — thus impacting their educational career as well as social upbringing.\nAfrican Americans are five to nine times more likely to be incarcerated than whites and four times more likely to be arrested for marijuana. That totals to 160,000 African Americans being arrested a year in the United States. This incarnation rate does not represent a “War on Drugs” yet represents a war on people of a certain race and economic status. This war is resulting in 1.6 million African Americans with a criminal record, who have lost the opportunity to vote, certain housing options, employment prospects, and education benefits.\nStop scapegoating. People of color cannot be considered “lazy” and “job stealers” at the same time. This is not about white people but about whiteness as a system of thought or behavior. A typical white dropout makes TWICE the net worth than an African American college graduate. Yet, white people are far less likely to see the discrepancies between the races. Implicit bias plays a role in their inability to see the reality of the facts. Implicit Bias is an attitude or belief that is outside of the conscious awareness or control. There are also certain luxurious that come when one is a part of a dominant group. The main luxury is being oblivious. When one is considered “normal” in society, they often don’t get labeled or think about how they don’t belong.\nIt is time to stop pretending to be colorblind but instead be color aware. This is not about politics (democratic or republican) but it is about justice for all. These issues are imbedded within the society and great bounds must still be accomplished to see drastic change. One cannot stay still on this moving train or they will have no say in where they end up.", "label": "No"}
{"text": "From contact tracing to creating buffer zones around #COVID19 clusters, India is using mapping and location-tracking technology to fight the pandemic. Maps have been used to assess and tackle diseases at least since the 1850 cholera outbreak in London. IndiaSpend looks at how mapping the disease data through geographic information system (GIS) can assist policymakers and the authorities during outbreaks, and what privacy concerns must inform such mapping.\nGIS is a system designed to capture and analyse data using spatial trends. In the context of disease surveillance and monitoring, it integrates data such as the area of outbreak, population health and available infrastructure in the area to identify the population at risk. In recent years, GIS has been used to study and tackle several communicable and non-communicable diseases.\nAs of 8.00 a.m. on April 10, 2020, India has detected 6,412 cases of COVID-19, the disease caused by the novel coronavirus named SARS-CoV-2, according to Coronavirus Monitor, a HealthCheck database. While 504 (7.9%) patients have been discharged, 199 (3.1%) have died. Globally, 1.6 million cases have been detected, of which more than 350,000 have recovered and more than 95,000 have died, according to Johns Hopkins Coronavirus Resource Center.\nHow India is using location data\nThe Centre has tested the COVID-19 Quarantine Alert System (CQAS), an application that uses telecom data to trigger emails and text-message alerts to the authorities if a person has jumped quarantine, as The Hindu reported on April 3, 2020. “The data collected shall be used only for the purpose of Health Management in the context of COVID-19 and is strictly not for any other purposes,” the report said, citing the standard operating procedure. “Any violation in this regard would attract penal provisions under the relevant laws.”\nEarlier, the Kerala State Disaster Management Authority and health department officials had begun collating disease surveillance data separately–with primary and secondary contacts of confirmed patients–traced and identified on a live geo-map, as the news channel NDTV reported on March 12, 2020. This allows officials to identify high-risk zones to activate containment measures. Further, the state is adding layers such as the availability of laboratory facilities and isolation wards in these areas.\nOn March 27, 2020, the Gujarat government launched a GIS-based mobile application to monitor the movement of those advised to be home-quarantined. Similar to the Centre’s CQAS app, it alerts authorities if the person being monitored leaves quarantine. The Srinagar district had also announced plans to undertake GIS mapping of all cases including suspects, those under surveillance, quarantined and isolated, according to this March 17, 2020, report.\nThe Telangana government was also deploying geo-location technology to track over 25,000 people under home-quarantine using a COVID-19 monitoring system, according to this April 1, 2020, report in IANS, the news agency, published in the magazine Outlook. The state was already using ‘TSCop’, an app developed by the Telangana police, to geotag houses of foreign returnees, the report said. In neighbouring Andhra Pradesh, the government is using two tech tools developed by the State Disaster Management Authority to track each person in home-quarantine, and for contact-tracing of positive cases, the report said.\nPunjab is also using cellphone data including call records and GPS to enforce lockdown, ensure home delivery of groceries, and for contact-tracing, as The Indian Express reported on April 10, 2020.\nTracking in other countries\nHealth officials in South Korea retraced patients’ movements using security camera footage, credit card records, and GPS data from their cars and cellphones, The New York Times reported on March 23, 2020. Citizens are alerted of new cases, with websites and apps detailing hour-by-hour timelines of infected people’s travel. People who believe they may have crossed paths with a patient are urged to report to testing centers. A separate app tracks those under quarantine.\nIsrael has allowed its intelligence agency to track mobile phones of confirmed or suspected patients. “We’ll deploy measures we’ve only previously deployed against terrorists,” the country’s prime minister Benjamin Netanyahu said. “Some of these will be invasive and infringe on the privacy of those affected. We must adopt a new routine.”\nIn China, entering one’s apartment compound or workplace requires scanning a QR code, writing down one’s name and ID number, temperature and recent travel history, as The Guardian reported in March 2020. Telecom operators track people’s movements, some cities are offering rewards for informing on sick neighbours, and Chinese companies are rolling out facial recognition technology that can detect elevated temperatures in a crowd or flag citizens not wearing a face mask.\nAustria and Belgium are using anonymised data from telecom operators for contact-tracing and monitoring those quarantined.\nHealthmap–developed by Boston Children’s Hospital–collates data from validated alerts from official sites for surveillance of emerging disease. Data ranging from air-ticketing and online networks tracking disease outbreaks in animals are used to track any unusual events and possible outbreaks. For COVID-19, Healthmap offers an interactive map, which includes a feature to show “outbreaks near me”–informing users about the disease transmission in their vicinity.\nMapping in past outbreaks\n“The use of surveillance technologies, although necessary during the ongoing pandemic, has again started the long-standing debates on balancing privacy and security,” said Kazim Rizvi, founding director of The Dialogue, a think-tank working in the intersection of technology and public policy. “It is important that the surveillance technologies should observe the tests laid down by the Apex Court in the Puttaswamy judgment (2017).”\nThe judgment permits surveillance provided that it is authorised by law, and its use is necessary and proportionate to the harm expected, he said, adding that a comprehensive surveillance law must keep privacy at the heart.\nThe use of spatial technologies and mapping for surveillance requires data classified as personally identifiable information. Concepts such as consent and personal data, for instance, are not defined in the Information Technology Act, 2000, rules framed under which (the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules of 2011) regulate data protection in the country.\nTo rectify this, the Personal Data Protection Bill was introduced in the Lok Sabha (lower house of parliament) on December 11, 2019. It has been referred to a joint parliamentary committee for examination, but falls short in addressing privacy and accountability, Rizvi said. The Bill does not provide for an independent data protection authority that could look into the privacy concerns, he added.\n“Authorising unregulated surveillance might lead to data discrimination in which marginalised community (sic) could be further excluded due to non-transparent algorithmic processes,” Rizvi said.\nThis article was published in India Spend on April 10, 2020. Click here to read\nViews expressed are personal and need not reflect or represent the views of Centre for Public Policy Research.\nNissy Solomon is Senior Research Associate at CPPR Centre for Comparative Studies. Prior to her venture into the public policy domain, she had worked as a Geographic Information Systems (GIS) Analyst with Nokia-Heremaps. Her postgraduate research explored the interface of GIS in Indian healthcare planning. She is broadly interested in Public Policy, Economic Development and Spatial Analysis for policymaking. She has an MA in Economics (University of Bombay) and an MA in Public Policy (National Law School of India University, Bangalore). She can be contacted by email at [email protected]", "label": "No"}
{"text": "Will Syria break apart along sectarian lines? What are the origins of the conflict? What are the pros and cons of a US-led intervention? How is the war impacting individual lives? These were among the questions of a panel debate on the Syrian civil crisis at Maastricht University in October 2013.\nA few hundred students gathered in the lecture hall of the Maastricht University School of Business and Economics earlier this month to hear what a panel of experts had to say about a situation that is making headlines every day all around the world: the civil war in Syria.\nThe evening kicked off with a speech by Marc Mahfoud, a European Studies student of Syrian origin, who explained his motivation in asking Studium Generale to organize an event on the Syrian conflict. He felt that it was important to look at how ordinary people see and experience the situation and to analyse how a peaceful solution can be found to end the civil war.\nExpert opinions and personal accounts\nDr. Lutz Krebs, Education Director at UNU-MERIT’s School of Governance and a political scientist who focuses on international relations and conflict research, gave a historical briefing on the political situation in Syria. He analysed the nature of the conflict and went as far back as the independence of Syria in 1958 to identify its origins.\nKrebs pointed out that in order to understand a conflict one needs to look at the causes not only at macro level but also at micro level. “If we only analyse the macro causes of a conflict then we no longer see the lives that are affected by atrocities like the one taking place in Syria at the moment.” Krebs recommends a multi-dimensional approach to the conflict by taking social, economic and political factors into consideration. His briefing would have been useful to every policymaker!\nOne of the most hotly debated issues about the Syrian conflict has been the position taken by the US Presidency. Dr. Roberta Haar, a US Foreign Policy expert at University College Maastricht, shared an overview of the pros and cons of a US intervention (or non-intervention) in the conflict.\nHaar’s presentation highlighted the stakes faced by President Obama both at home and abroad. She also explained the logistical and technical difficulties attached to the recent Russian-led agreement putting a timeline to the destruction of Syria’s entire chemical arsenal under the authority of the Nobel Peace Prize Winner the Organisation for the Prohibition of Chemical Weapons (OPCW).\nMs. Astrid Rijbroek, former director of The Netherlands Institute in Damascus, and Ms. Francesca de Châtel, former editor-in-chief of the monthly magazine Syria Today gave an interesting joint account of what it was like to live in Syria before the war. Both were residents of Damascus for many years, so they were able to share personal stories that shed a different light on our understanding of the conflict. It commonly happens that when analysing an armed conflict, we tend to forget about the innocent people who are caught in the crossfire and who simply want to get on with their lives.\nSeeing the wider context\nBefore opening the debate to the audience, Dr. Zina Nimeh (pictured above) expressed her views on the conflict and asked a few challenging questions to the panelists. Her input sparked further debate not only because of her Middle Eastern background but also on account of her professional experience in social protection policy. Click here for more photos of the debate.\nBy the end of the evening we understood a little bit better why there are terrible tragedies taking place in Syria. Despite the Russian-led agreement on chemical weapons, there is still no end in sight to the human suffering and bloodletting.\nDiego Salama joined UNU-MERIT as Assistant to the Education Director in May 2013. Diego previously worked for the UN Information Centre in Lima and served as Secretary-General of the “VI European Model UN – EuroMUN”. Diego is currently studying International Relations at University College Maastricht. He is also a columnist for two national newspapers in Bolivia and a Local Views Blogger for Future Challenges. Image: UN Photo / N.Singh", "label": "No"}
{"text": "“The oldest and thickest sea ice in the Arctic has started to break up, opening waters north of Greenland that are normally frozen, even in summer.\n“This phenomenon – which has never been recorded before – has occurred twice this year due to warm winds and a climate-change driven heatwave in the northern hemisphere.\n“One meteorologist described the loss of ice as “scary”. Others said it could force scientists to revise their theories about which part of the Arctic will withstand warming the longest.\n“The sea off the north coast of Greenland is normally so frozen that it was referred to, until recently, as “the last ice area” because it was assumed that this would be the final northern holdout against the melting effects of a hotter planet.\n“But abnormal temperature spikes in February and earlier this month have left it vulnerable to winds, which have pushed the ice further away from the coast than at any time since satellite records began in the 1970s.”\n“Weather becomes more extreme when instead of moving on it stays in the same place for days or weeks on end. Never-ending rainfall causes flooding, and prolonged sunny weather sparks droughts and wildfires… Evidence is now mounting to show that human-induced warming in the Arctic is distorting the planet’s natural circulation patterns such as the jet stream and making these “stalling” events more likely.”\n“A number of Swedish reactors had to shut down or reduce output as the summer heatwave sent temperatures to record highs in July, with the sea water that is used to cool them becoming much warmer than normal, exceeding safety levels.”\n“This summer is verging on the hottest for 359 years – hotter than 1976’s sizzler and even 1666’s Great Fire of London summer… Temperatures from June 1 to August 15 averaged 16.1C, hotter than 2006’s record 15.78C from June 1 to August 31.”\n“Eastern Switzerland has experienced the driest summer on record, and farmers all over the country have been forced to bring their [cows] down early from the mountains as pastures are depleted, said Reto Burkhardt, a spokesman for the country’s milk producers’ association.”\n“At least 11 people were killed in southern Italy when heavy rain flooded a deep mountain gorge filled with hikers, officials said.”\n“People in the Queenstown area of the Eastern Cape [South Africa] have been struggling to get water for months. The main dam is at 10%; the augmentation scheme cannot cope with demand; and a new dam project is more than a year behind schedule. Spokesperson for the Chris Hani District Municipality Thobeka Mqamelo said the water problems are due to the severe drought gripping the area for the past three years.”\n“Afghanistan is experiencing a drought so severe that two million people may run out of food in the next six months. More than 80,000 people have left their villages in search of water in cities. The United Nations fears that number may double.”\n“Flood waters have receded in the southern Indian state of Kerala, allowing authorities to retrieve the bodies of victims and enabling residents to start assessing the damage to their homes after the worst monsoon rains in a century.”\n“Nearly 5 million people in central China’s Henan Province have been affected by Typhoon Rumbia, the 18th this year, local authorities said Monday… Non-stop heavy rain caused flooding in cities and counties across the province.”\n“South Korea’s producer prices rose to a four-year high in July as the worst heat in recent years hurt the farming sector, central bank data showed Tuesday… The index of agricultural products jumped 7.9 percent on-month in July as crop production was spurred by the recording-breaking hot spell… This summer, South Korea has been experiencing record-breaking high temperatures. The daytime temperature of the country’s capital reached a record 39.6 C on Aug. 1, while some regions saw the mercury surpass 40 C.”\n“Governor Eddie Calvo has declared a “State of Emergency” for Guam as a result of flooding that has left roads and bridges impassible and island residents homeless.”\n“The entirety of Australia’s most populous state, New South Wales, is suffering from a crippling drought that is the most severe in recent memory. The tough conditions are drying up huge swathes of land, leaving farmers struggling to feed their livestock and water their crops. It’s also exacerbating bushfires in the state. One mining town in the outback, Broken Hill, is even reporting crowds of emus arriving into town searching for water and food…”\n“Brazil’s northeastern state of Alagoas has declared a 180-day state of emergency after dozens of cities in the region experienced water shortages that have affected more than 200,000 people.”\n“Arapiraca is among the 38 cities in an area that thrives on tobacco crop. This year, however, has experienced an extremely bad harvest. Local farmers are also experiencing a shortfall in the corn yield.”\n“B.C. is under a state of emergency and whole communities in the B.C. interior are under evacuation alerts. Most Westerners, however, are experiencing the fires second-hand; as a mysterious and choking haze that has suddenly delivered Beijing-levels of pollution to what are normally some of the world’s most pristine natural landscapes.”\n“The National Weather Service reported flash floods across the Madison [Wisconsin] area on Monday evening, after nearly nine inches of rain.”", "label": "No"}
{"text": "Mentawai Island consist of four main Island, North Pagai, South Pagai, Sikakap and Siberut, about 100 Km from west of west Sumatra cost. The tribe who live there call Mentawai Tribe. Among 4 islands Siberut Island is the biggest but the lowest population among four islands. Their culture, language is totally different with people who live in Sumatra, Their culture back to stone age, Most of old people decorate their body with tattoo. According to the story is the oldest tattoo in the world. They are very professional hunter using bow and poison arrow. The still practice magic. Magic man is important man, because they lead ceremony; cure somebody ill, give advice to the ordinary people before going hunting, building the house, making canoe, etc. There hundreds of island with beautiful beach and coral reef. Also the best place for surfing.\nSiberut island recently received\ninternational attention as a priority conservation area, for the unique culture\nof the ethnic Mentawaian and endemicity of its biodiversity that need to be\npreserved. Although the island has plenty to offer, the potential has not been\nutilized fully especially for tourism.\nvisitors to the island are interested only in seeing the culture at the\nindigenous tribes, such as the communal clan life in the traditional UMA house\nalong the river banks.\nSiberut National Park occupies the western half of the island,\nranging from the northern coasts. At present the Integrated Biodiversity\nConservation Project organized by PHPA, MOF, together with local government,\nlocal NGOs and other institutions, conducts the community based conservation\nSiberut island (4.030 km sq) is the largest island of four\nislands in the Mentawaian archipelago. It is located about 155 kilometers off\nthe coast of West Sumatra, across the Mentawaian strait. The Mentawaian islands\nbelong administratively to Kabupaten (Regency) Padang Pariaman in West Sumatra\nProvince. Siberut is divided into two Kecamatan (district) : North and South\nSiberut with administrative centers at Muara Sikabaluan and Muara Siberut which\nalso service as respectively market centers of Siberut.\nAccording to Forestry Ministerial Decree in 1993, 500 hectares area was declared as Siberut National Park.\nTOPOGRAPHY AND CLIMATE\nThe Siberut island is characterized by\na wet equatorial climate, with minimum and maximum temperatures of 22o C\n(71.6F) and 31o C (87.8F). The dry season is from February to June and the\nraining season is from July to January. Siberut is hilly with wide variations\nin elevation. Almost 60% is covered by tropical rain forest with many forest\ntype such as: primary dipterocarp forest, primary mixed forest, swamp forest,\nbarringtonia forest and mangrove forest. Also, there are many rivers on the\nislands with a complex system of tributaries.\nSome of the interesting objects to see\nCommunity and Culture: Although Siberut is only a small\nisland, the internal variations in language, culture, life styles, and in\nresources is rather substantial. There is no clear indication of when the first\nman arrived on Siberut, but anthropologist suggest that the bataks of North\nSumatra first settled on the island several thousand years ago. In many ways,\nthe people of Siberut are among the most archaic people in\nJungle Adventure: Very few visitors have explored the\nthickly frested island. Inside the National Park pleasant surprises await the\nadventures visitor. Visiting a cave in central Siberut or waterfalls in the\nnorthern and southern parts of the island, are possible upon request with your\nguide. Be observant of your surroundings. You may have the chance to see and\nhear some endemic wild life. Siberut has four endemic primates which in local\nnames are called Bilou (Hylobates klossi), Simakobu (Simias concolor), Bokoi\n(Macaca pagensis), and Joja (Presbytis potenziani). There are at least five\nspecies of squirrels and chipmunks and birds abound everywhere on the island.\nPadding a canoe trekking on muddy trails balancing on a shippery log, wading\nthrough a shallow river, brushing through a dense jungle - are all parts of an\nunforgettable jungle adventure on Siberut.\nCoastal Discovery Adventure: Some good coral reefs can\nbe found along the east, south to southeast part of Siberut and the surrounding\nsmall islands. Along the coast, continuous, white sand beaches, magnificent\nlagoons, enficing mangroves and coral sea gardens all promise an exciting\ncoastal adventure. Dolphins (Stenela longirostris) can be seen along the east\ncoast. Other sea mammals such as digong (Dugong dugong) occasionally can be\nsighted near the sea grass by the mangrove along with three protected species\nof sea turtles.\nMasilok Beach on the southern part of Siberut can be reached\nwithin an hour by a motorized boat. The island's resort, dominated by coconut\ngrows, a logoon with beautiful white sand beach, promising a very relaxing\nenvironment. The west coast breaks from Siberut island, connected only by sea\ngarden and mangrove that lie side by side making it a unique experience for\ndiving. Accommodation and fresh clean water are available. If you plan to\ntravel to nearby islands, it can be arranged with local owners. In the south\nwestern part of Siberut lies Sagulubek Beach, with calm and clear waters making\nit ideal for wind surfing. In the northern part, Sikabaluan beach offers an\nexcellent dip in warm water to soothe the soul.\nTRAVEL ADVISORY AND REQUIREMENTS\n- Before traveling to Siberut, it is advisable to take\nprophylactic doses of anti malaria medicine at least one week before departing\nfor Siberut, and should be continued up to two weeks after leaving\n- Travelers are also advised to bring sufficient supplies of\nmedicine (antidiarrea and seasickness, first aid and antibiotics if\n- Wear a good pair of hiking boots, bring dry clothes, raincoats\nand flash light\n- Respect local culture\n- Leave no waste or garbage\n> MENTAWAI TRIBE ADVENTURE\n> SIBERUT ISLAND\n> SIBERUT ISLANDS\n> ABOUT ADVENTURE INDONESIA", "label": "No"}
{"text": "Having good knowledge of HTML and CSS is crucial for all your web design or development work. It provides you with knowledge of how to build a web page and best practices onto well supported websites across all major browsers. So, if you want to familiarize yourself with the HTML, and CSS, it makes sense to start by teaching yourself some basics. But the problem is, with so much training materials available you will not know where to start.\nWith this in mind, we have gathered together a list of 10 best free online html and css resources to make sure you’re learning the right things in the most effective way possible. Have fun learning!\nWhether you are a beginner or an experienced user, this particular cheat sheet is an opportunity and can turn out to be a true life-saver for you. It has all the important tags, attributes for lists, forms, text formatting, and document structure in just one place to save you plenty of time.\nIf you’re just getting into the world of learning anything from HTML and CSS to Phython or Ruby, CodeAcademy is one of the most popular and a great starting point.\nNo matter your skill level, W3Schools is a great resource and can be extremely helpful in your learning process. Offers free online learning of HTML & CSS with the help of wide range of tutorials and examples.\nGA Dash is another fun and free online course for creating your own responsive websites with the help of HTML and CSS.\nThis is very useful and well-written guide when it comes to learning HTML & CSS. Outlining the fundamentals, this guide works through all common elements of front-end design and development.\nMarksheet is a free HTML and CSS tutorial helping beginners learn HTML and CSS. The content of this project is licensed under the Creative Commons Attribution-Non Commercial-ShareAlike 4.0 International License. So you can adapt it for your needs.", "label": "No"}
{"text": "According to the Center for Disease Control (CDC) more than 11% of children have Attention-Deficit/Hyperactivity Disorder (ADHD). That is more than 6 million children between the ages of 4-17. From 2007 to 2011 the number of children with ADHD more than doubled in the United States\nAttention-Deficit Hyperactivity Disorder (ADHD) is caused by neurological rather than parental, social, or emotional causes. ADHD is caused by a brain chemistry problem not brain damage. The chemicals in the brain are called neurotransmitters.\nNeurotransmitters serve various functions in the brain that have been linked to depression, anxiety, lack of concentration, ADHD, and many other issues. There are 5 different neurotransmitters each having a different function: dopamine, serotonin, norepinephrine, epinephrine, and GABA. Neurotransmitters are used by the brain to stimulate or repress stimulation in brain cells. To pay proper attention, the brain must be adequately stimulated. To have proper control of our impulses, areas of the brain must be adequately controlled, repressed, or slowed down. In ADHD children, both systems of stimulation and repression are not working correctly. Low dopamine and norepinephrine are the two neurotransmitters that tend to be off balance in children with ADHD. A lack of concentration can be a sign of low epinephrine. [Read more…]", "label": "No"}
{"text": "Each year on the 21st December visitors from around the world gather at Stonehenge early in the morning to mark the Winter solstice and to see the sunrise above the stones. At dawn the central Altar stone aligns with the Slaughter stone, Heel stone and the rising sun to the northeast.\nThe Winter Solstice is the most important day of the year at Stonehenge and a truly magical time to be there. It's an ad hoc celebration that brings together England's New Age Tribes (neo-druids, neo-pagans, Wiccans) with ordinary families, tourists, travelers and party people - 100's of them!\nFor many the impulse to arrive at Stonehenge in time for the Solstice is a little like all those people drawn to the strange rock in Close Encounters of the Third Kind. It's akin to a spiritual experience. Anyone who has witnessed the crowd become silent as the sky begins to brighten can attest to that.\nStonehenge Winter Solstice 2014\nStonehenge is carefully aligned on a sight-line that points to the winter solstice sunset (opposed to New Grange, which points to the winter solstice sunrise, and the Goseck circle, which is aligned to both the sunset and sunrise). It is thought that the Winter Solstice was actually more important to the people who constructed Stonehenge than the Summer Solstice. The Winter Solstice was a time when most cattle were slaughtered (so they would not have to be fed during the winter) and the majority of wine and beer was finally fermented.The exact time for the Winter Solstice is December 21st, 17.11pm (UK time). The sunset on the 21st is at 3.53pm and the sunrise on the 21st of December at 8.04am. We will be there for sunrise!\nThe small group nature of this tour means you can have a real personal experience.\nDepart central London at approx 5am* December 21st 2014. Coach Travel to Stonehenge with guide and spend 2 hours inside the circle and witness the sun rising, Druid Ceremony and festivities. Back to London at 11.45am\n* This time may vary depending on the access time granted by English Heritage\nThis is not like our traditional guided 'Private Access' tour. Although this tour is guided it does not visit other attractions and is not everyone's cup of tea, however those who do participate will never forget it and will surely 'tell the tale' for many years to come...... Please take the time to view our images / video of previous 'Solstice Tours'.\nFor those of you who have not visited this sacred site, we should mention that the complex is roped off. Visitors observe the stones from a distance and are not permitted within the temple complex..........our 'Winter Solstice' tours allow you to be amongst the stones before the site is open to the general public.\nN.B. With this exception English Heritage do not allow any other 'private access' tours between 19th December and 25th December\nEnglish Heritage did not confirm the date for Open Access for Stonehenge for the Winter Solstice yet, but most likely this will be dawn on the 21st of December. (The sunrise on the 21st is closer to the actual solstice than that on the 22nd of December.) Expect a short period of access, from approximately 7.00 to 9.00am. They works closely with agencies, and people from all sectors of the community, in order to create a peaceful occasion - ensuring an event that can be safely enjoyed by all and protects Stonehenge and its surrounding Monuments.\nDue to the nature of this 'special access' tour and the strict entry conditions that English Heritage impose please register your interest for this tour by using the 'book now' button or email us. We will then contact you with booking details and terms and conditions. This is on a first come first serve' basis.\n: Solstice sunset viewing - click here", "label": "No"}
{"text": "Welcome to my section where I address everyday things around us that we see but don’t observe.\nYes, the science behind what you see every day! And trust me even if you’re not a science person, you’d love to read this.\nIn this article I’m going to talk about the sensory root of vision: the eyes.\n1) “Din me taare nazar aana”\nIf you have never gotten punched in the face by someone, I’ll tell you an easy way to see stars in the sunlight. Close your eyes and press over them a bit hard for a while; you’ll start seeing something vague like green waves in the shape of your eyes. At least that’s what I see.\nThis is called a phosphene. From Wikipedia: “A phosphene is a phenomenon characterized by the experience of seeing light without light actually entering the eye.”\nAny small effect on the retina can cause phosphenes, from lack of oxygen (by excessive running) to mechanical pressure (sneeze, cough, laughter), to excessive impact of light. For example, if you see a tube light for a long time, you will see a tube light for a minute or two, even after you have turned your head. That is not your imagination!\nPhosphenes can also be stimulated artificially by the use of machines on a specific part of a brain called the visual cortex.\n2) Daydreams: the force of distraction\nHas it ever happened to you that you’re reading your textbook and in between you just start thinking about something completely unrelated? Well with me it happens every day, and from what I have noticed, when that happens, my textbook is a blur.\nNow why do things blur when we’re not focusing? It is because our eyes know we’re not focusing. So they’re like, “Boss is on a break, why the hell are we working!” and swoosh they elongate the focal length. For the eyes, the shorter the focal length the more stress they have to put to squeeze the eye lens. So when we’re not looking, the eye de-stresses and lengthens the focal length.\nNormal lenses cannot do that. For example, your spectacles cannot change their focal length just like that. If they could, you wouldn’t need to change them when your number increases. It is a special property of our eyes that they can change their focal length whenever they want using tiny muscles inside the eye called ciliary muscles.\n3) The Red Eye: Not a 13B ghost\n“Red eye” occurs in photos because light from the flash bounces off the back of the eye. The back of the eyes has a choroid, located behind the retina which is rich in blood vessels. Though the light of the flash is white in colour, when the red blood rich choroid reflects the light it makes our eyes appear red. It is same as flashing white light on a red wall, however white the light may be, the wall would still appear red.\nSee, so much science you didn’t know about your eyes. Of course you see! And after reading this if you fell in love with eyes, listen to Eye To Eye by Taher Shah.\nIf you have any more eye related science that you’d like to share, tell us below in the comments.\nViews presented in the article are those of the author and not of ED.", "label": "No"}
{"text": "Antique Chests of Drawers - Early Baroque\nIn the period of the Restoration in the late seventeenth century most people in England still used old lidded chests for the storage of linen and clothes and chests of drawers as we know them were largely unknown.\nIn Jacobean times early attempts at making chests of drawers resulted in the development of hybrid mule chests and by the middle of the 17th century these had come to be replaced by the sort of antique chests of drawers that are immediately familar to us today.\nMule chests had lids opening to deep top drawers and Restoration era chests of drawers inherited this tendency to considerable drawer depth.\nWhat distinguishes antique chests of the mid seventeenth century from their forefathers was the great amount of decoration used, greater foreign influences in design trends, and more modern construction techniques.\nOften very decorative geometrical patterns and architectural, boldly protruding, mouldings were used.\nWhile some chests of drawers still had panelled sides, as the Restoration era progressed, case construction became more prevalent.\nA \"carcase\", or the body of the piece, usually from oak or pine, was put together with dovetail joints and then veneered in walnut.\nOak Chest with mother of pearl.\nOnce this was done marquetry was often applied to the veneer. Mixing different kinds of wood, of different colors, allowed for exquisite pictures and patterns to be created in the veneer.\nIn mid 17th century England very decorative marquetry, in a wide variety of woods and derived from Dutch knowhow, was used, with sprays of tulips and carnations being typical motifs. In the later part of the seventeenth century marquetry decoration tended to more arabesque form with endive and seaweed patterns and wood choice became more selective.", "label": "No"}
{"text": "What is Storytelling?\nStorytelling is an ancient art, the primeval art, the basis of all communication, imagination and creativity. It has strong bonds with literature, with popular/folk culture, with heritage. It is a homage to the mother tongue, to foreign languages, to the intercultural dialogue.\nNarratives are everywhere, in many artistic and socio-cultural sectors the words storytelling and narratives pop up. All have ‘a story to tell’. In this respect oral storytelling as ‘the master of narratives’ has a lot to offer to these media and sectors, and they, in return, offer new carriers and interfaces for storytellers.\nFEST is working on a collection of storytelling references in form of articles, multimedia, books and useful links. Please subscribe to our newsletter to get notified once our storytelling guide is published!\nSign up to get updated about our events and news.\nStorytelling in Heritage Contexts About the Research Authors & Publishers Links & Downloads Heritage may have different interpretations and meanings to various people however, at its core it represents a thread that runs from the past to the present. It provides a sense of belonging and continuity through the continuingRead More\nOne of the main goals of the Federation for European Storytelling is to secure the professional development of storytellers in Europe. FEST pursues raising the quality of the storyteller in several ways: the analysis of training needs, the development of a curriculum for training, residencies and performance opportunities for youngRead More\nContributions to a Theoretical Bibliography In this report we offer a contribution to a theoretical bibliography on contemporary Oral Storytelling. It tries to cover a wide range of resources, from the Instruction Manuals of the beginning of the last Century to the Academic works of the 21th, including other theoreticalRead More\nFEST commissioned a research on long term training in storytelling based on desk/internet research, a survey and interviews with FEST member organisations and universities.Read More", "label": "No"}
{"text": "Note on lamarckiam\nAsked by durvatakalkar31 | 4th Aug, 2019, 12:35: PM\nLamarck’s theory of evolution was called the Theory of Inheritance of Acquired Characters.\nAccording to the theory of inheritance of acquired characters, “the changes in structure or function of any organ acquired during the lifetime of an individual in response to changes in the surrounding environment are inherited by offspring and keep on adding over a period of time”.\nThis theory states that characters are acquired by animals in two ways,\n1.The effects of environment.\n2.Use and disuse of body parts.\nAnswered by Sivanand Patnaik | 4th Aug, 2019, 07:27: PM\n- Which was the first organism on the earth?\n- what is molecular phylogeny ?\n- Speciation and their factor defination\n- What factors could lead to the rise of a new species?\n- What are the factors that help in the creation of a new species?\n- Write short note on. Lamarckism\n- Why Mesozoic era is called golden period of reptiles?\n- Define micro evolution and speciation\nKindly Sign up for a personalised experience\n- Ask Study Doubts\n- Sample Papers\n- Past Year Papers\n- Textbook Solutions\nVerify mobile number\nEnter the OTP sent to your number", "label": "No"}
{"text": "noun (plural développés pronounced same)Ballet\nA movement in which one leg is raised and then kept in a fully extended position.\nMore example sentences\n- A développé is done by drawing the toe of the gesture leg (which bends at the knee and hip) up the front, side, or back of the supporting leg, until it reaches knee height.\n- There are few dancers who can actually perform that développé with the liquid quality that the music indicates.\nFrench, past participle of développer 'stretch out, develop'.\nDefinition of développé in:\n- The US English dictionary", "label": "No"}
{"text": "When we talk about predictability we’re talking about the continuum of logic and when we talk about the continuum of logic we’re really talking about – although we don’t know it – is the inverse reality. ‘Inverse reality’ isn’t something we’re taught about at school, or that we can study at college or university. Professors don’t generally write books about it, and yet if we don’t grasp the principle of inverted reality – which we don’t – what is any of our knowledge, our so-called ‘understanding’ worth? As Krishnamurti says,\nHasn’t knowledge only crippled me from seeing the truth? Is knowledge itself illusory?\nKnowledge of inverse reality which does not portray itself as being ‘knowledge of inverse reality’ is actually an obstacle to seeing the truth, as Krishnamurti says. Its claim to say something useful about reality when it doesn’t prevents us having a relationship with the real world – clearly! So what the world calls ‘knowledge’ is the inverse of knowledge, it is something that stands in the way of understanding, rather than facilitating it. Education is not ‘education’ at all therefore, but rather it is ‘indoctrination in illusion’!\nOne approach to understanding what just a thing ‘inverted reality’ might be is to consider that predictability doesn’t exist, but it seems to. The predictability of the world about us is more important than we possibly reality it to be – the world we know and relate to every day is the serial world, it is the world that ‘carries over’ from day to day, the world that keeps on ‘repeating’ itself in time. We take it for granted that the world is consistently the same thing, but why should it be? Is logic – or ‘linear causality’ – all there is, or is it somehow ‘over-emphasized’ by our way of looking at things? The simple answer to this is that logic (or cause-and-effect) can’t be ‘all that there is’. It can’t be the whole story (or even the most important part) because logic is inherently glitched. It can’t be used to create any sort of a reality because of this glitch, this self-contradiction. The hidden ‘glitch’ in causality can be expressed thus: in all causal processes the outcome is always inherent in the premise.\nWhat this means therefore is that the outcome equals the premise, the starting-off point, and as soon as we say this we wipe out – at one stroke – the whole continuum of logic. If the effect equals the cause (which is what we are saying) then the effect isn’t ‘the effect’ any more than the cause is ‘the cause’! So this would mean that there isn’t any cause and effect, that there isn’t any ‘realm of cause-and-effect’. We can say without any fear of controversy that this (i.e. the non-existence of causality) isn’t something that we give any consideration to; in other words as far as we are concerned there very much is such a thing as a world of cause-and-effect. That’s the only world that makes any sense to us in fact. That’s the only type of world that makes any sense to the rational mind. When we do take the realm of cause-and-effect to be an actual realm however – which is to say, a realm within which events can actually happen – then what we have done by this unwarranted assumption is to create Inverse Reality.\nIn the Inverse Reality there appears to be cause-and-effect and this apparent principle appears to create all sorts of ‘events’. Furthermore, it could be said that our main preoccupation is to effectively bring about those events that we want to happen, and prevent those that we don’t want to happen. Our sense of self, our confidence as effective agents, depends upon this perception. This has even been given a name, i.e. perceived self-efficacy. Now the way we normally see thing this way of seeing ourselves (as agents, effective or otherwise) seems to make a lot of sense – I can very readily obtain an impression of myself as existing if I can cause things to happen! Even if what I cause to happen doesn’t happen the way I want it to happen (in other words, if I am a loser rather than a winner) I can still obtain an impression of myself as actually existing. Either way, I’m an agent. Take causality away however and there is no more perceived self-efficacy, either positive or negative. Take away cause and effect and there can be no more winners and no more losers; there can be no more sense of us actually causing anything, and so this understanding of ourselves (i.e. as ‘causers’, or ‘controllers’) is no longer there. And because the way I normally understand myself is as an agent, as entity which has the possibility of effectively controlling its environment, the loss of this understanding – false as it is – is equivalent to the loss of my tangible, verifiable existence.\nThe realm of cause-and-effect – which Wei Wu Wei calls seriality – is at root nothing other than logic and logic doesn’t exist! Logic doesn’t exist because nothing new ever comes into the picture and if nothing new ever comes into the picture what are we talking about when we talk in terms of logic, when we talk ‘logically’? We could deny this and say that new statements, new ways of looking at the world can come about as a result of employing logic but to say this is patently false. In the realm of logic everything has to be derivable in terms of previous steps and if we can’t derive our statement from what came before it (i.e. if all we can do is just point at it and say, “Wow – look at that!” then very clearly this type of thing (interesting as it may be) is not logic. Logic is the world of the justified and the justifiable – we justify every position in terms of laws of logic and if we cannot do so then our position cannot be upheld. It is then revealed as being anomalous; it is then revealed as being no more ‘error’. But the thing about this is that the new (the truly new) never can be justified in terms of what came before it. It never can be derived in terms of previous statements – if whatever it is could be derived from previous statements then it would be predictable, and if it is predictable then it cannot be new. Reality itself is never predictable, only the games that we play within it are predictable and the games that we play in it are not real!\nSo logic doesn’t exist. It doesn’t exist because nothing new ever comes about as a result of it. Logic – we might say – is the ‘lawful extension of past assumptions into the future’ and whilst we can extend assumptions that we have made in the past into the future in such a way that there is logical consistency to what we are doing, at the same time it has to be pointed out that what we are doing has nothing to do with reality! This business of extending our assumptions into the future cannot have anything to do with reality because these assumptions of ours are only ever just that – assumptions. Its fine to make assumptions but to make an assumption is never the same thing as ‘saying something about reality’. Where do we get our assumptions from, after all? How do we go about deriving them? Any assumption that we make is never going to be anything more than a shot in the dark and so if we create a whole world via the device of extending a whole bunch of assumed truths into the future (and at the same time conveniently forgetting that we ever assumed anything) then all we have done is to legitimize our ‘shot in the dark’ and create a whole system out of it, a system that we then use to invalidate anything that is not ‘the system’. This happens to be exactly how the thinking mind works and if we imagine that it isn’t then this is simply because we aren’t being honest with ourselves about it. We aren’t being honest with ourselves because ‘not being honest with ourselves’ is the mechanism by which the game works, the only mechanism by which it ever could work…\nWe could take another tack on this and say that our assumptions are always guaranteed to be ‘beside the point’ because assumptions made by the thinking mind are always definite in nature and reality is never ‘definite’. For something to be ‘definite’ we have to assume a framework and then use that framework as a yardstick to determine the correctness or incorrectness of all possible statements about the world; these scheme works very well but with the one proviso that we can never see whether the framework we assume is ‘true’ or not. To do this we would need another framework and this wouldn’t do us any good because then we’d just be faced with the same old problem all over again! We arbitrarily create all of our certainties, in other words, and we don’t happen to be particularly keen to see this. We’re not very keen to see this because if we did then – of course – we’d have no more certainties left to us since ‘a certainty that has been arbitrarily constructed’ isn’t actually any sort of ‘certainty’ at all!\nAll future developments within the realm of logic are only ever our assumed premise in disguise and so in order to obtain a sense of security about the world that we have created we need to be very stringent abstemious with regard to actually examining that premise. We need to develop ‘a profound lack of curiosity about it’; we need to develop ‘a blind-spot’. This profound lack of curiosity about the premise on which our logical system is based is a requirement if we are to adapt to ‘life within the system’, and it is a requirement that we are successfully able to meet! The rational mind is only the authority that it is for us when we do not (and cannot, just as long as we are being rational) its basis; this means that the rational mind is at the same time both as solid and reliable as a rock on the one hand, and completely flimsy, ‘flaky’ and untrustworthy on the other. It’s solid and reliable when we don’t look backwards and examine what its basis is, and it is flimsy and completely untrustworthy when we do! In this respect rationality and its obscure pontifications are like religious dogma – they are capable of giving us a great sense of security and comfort just as long as we make a virtue of never questioning their basis…\nThe rational mind is thus operating on the basis of a scam that no one ever talks about – even professors of psychology don’t talk about it. Especially professors of psychology don’t talk about it because they are part of the scam! The scam in question is that so-called ‘truths’ that we are being provided with by the thinking mind only make hold up when certain information is concealed from us – information regarding how these ‘truths’ came to be ‘true’ in the first place. Because this key information is unavailable to us, the positive world (or the ‘inverted reality’) gets to seem like a viable proposition. We can’t really blame the ration mind for this conspiracy however – even though it might sound from what we have just said as if we legitimately could blame it. The point is of course that the physical universe itself only gets to seem like a viable proposition when certain key information about how it came to be there (or appear to be there) is withheld to us, or is unavailable to us. “Entropy is the price of structure.” as the father of non-linear thermodynamics Ilya Prigogine happily states. Or to put this in another way, unless information is irreversibly lost from the system, there can be no such thing as structure, no such thing as rules…\nWe automatically tend to think of the process by which the universe came into being as being a positive one – this assumption being as we have just implied inherent in the way that the rational mind itself works – but a vastly more ‘elegant’ approach is to see this process in negative terms, as a loss of information rather than the creation of it. To start off with we have the situation which cosmologists refer to us a symmetrical one – a symmetrical situation being one in which there are no rules! This is Original Symmetry. This is the state of affairs where all possible ways of describing what is going on are equally good, equally viable; this is – in other words – the Universal Set, where everything is allowed and nothing is excluded! When we abstract a specified or defined set from the Universal Set it very much appears that we have ‘created something’, but what has actually happened is that we disallowed everything that is not in the set that we have just defined. We have made all that information unavailable therefore, and the process by which information is lost or made unavailable is entropy. Form is not created by allowing, therefore, but by a process of ‘double-disallowing’, i.e. by a sneaky process of disallowing and then disallowing any information relating to this disallowing!\nThe thinking mind is – of necessity – based on the same device that the serial universe (the Causal Realm) is based on. It wouldn’t be any use to us otherwise – the proviso here being that its ‘use’ is legitimate only within the serial universe or Causal Realm. The thinking mind can (potentially) say useful things within the context of the serial universe, but part of the package is always going to be that by utilizing this mind we are going to render ourselves incapable of seeing that this context is only ‘an arbitrarily limited context’, which then means that we are going to be trapped within this limited and limiting context without being able to see that we are trapped! We’re trapped in seriality, therefore. As Wei Wu Wei says in The Tenth Man,\nAll our actions are serial, all our thoughts are serial, all our functions function in seriality; we neither know nor do anything that is not subject to the sequence of time. Even God, although called ‘Eternal’, is seen as everlasting.\nTo say that seriality (or structure, or the physical universe, or the world of form) is created via a process of irreversible information loss is the same thing as saying that structure is created by the process of ‘taking away perspective’. ‘Perspective’ is just another way of talking about information – when we talk about perspective we are alluding to the number of different ways that we have of looking at something. When we lose perspective then what we’re losing here are all the other ways of looking and so we’re getting stuck with just the one. We’re stuck with just the one way of looking at things but we don’t perceive ourselves as being stuck because we don’t know that there are any other ways! We have lost sight of the way in which the way we have of looking at the world isn’t the only way and this loss of perspective changes everything. This isn’t a small thing, this isn’t just a question of degree – it is a matter of ‘a complete and utter reversal of everything’. The one way is open, the other way closed. To use Joseph Campbell’s terminology, in the one direction lies transparency, in the other opacity. In the first case we are relating to our own existence as a type of living myth, capable of infinite interpretation and reinterpretation whilst in the second case we are relating to ourselves in a strictly literal manner, in a concrete manner, in a manner that is not susceptible to any type of interpretation other than the official one.\nInformation (or ‘the information universe’) is always transparent – it has no ‘substance’, ‘substance’ meaning some kind of ‘stuff’ that everything is made out of. In such a substance-based scheme the interesting thing is always what we do with the inert stuff, the uses to which we put it. It’s what we make out of the stuff that’s important, not the stuff itself. Who cares about ‘stuff’, anyway? That’s like caring about dust or dirt. This is the message we hear solemnly articulated in a Christian funeral service – “Earth to earth, ashes to ashes, dust to dust.” It’s what happens in-between that matters to us, obviously! When we look at things the other way around however it is where the show comes from that it interesting rather than the show itself. It’s the stuff that’s of value, not the games we play with it. Or as we could also say, it’s the transparency that’s interesting, not the opaque forms that we abstract from it. There isn’t any dead / inert / passive / blank material that everything is made of – it’s the constructed things that are dead, inert, passive, blank! That which everything is made of is alive and vital, but the forms that we identify with in everyday life are not.\nImmortals are mortal, mortals immortal, living in their death and dying in their life.\nsays Heraclitus. Very curiously therefore, we identify ourselves with the dead mechanical forms and fear our return to the living Source. Or to put this another way, when we live in the Inverted Reality we put all our eggs in a basket that is not real and never could be and put all of our energy into holding onto what we never had and never could have, and this pointless suffering-producing struggle is what we perversely see as ‘living our lives’. This pernicious ‘inversion of the real and the unreal’ is the inevitable consequence of living in the inverted reality – the inversion of values being that that we should see the opaque world as being all-important, whilst the transparent world we take to be entirely inconsequential, or more accurately, as not even existing at all…\nArtwork: Entropy and Order by fractalfiend", "label": "No"}
{"text": "I like the articleGeneralities Hedera algeriensis\nThis plant in the spring, summer, autumn, winter assumes a greenwhite colouring; it is medium in size and can reach 2,5 m high. It doesn't keep its leaves in the winter. The Hedera algeriensis has a climber deportment. These plants are shrubs. Fertilization Hedera algeriensis\nClimber plants have a quick and vigorous development, letís enrich the soil, towards the end of the winter or in autumn, with manure or slow release fertilizer; during the spring, once a month, we can add a fertilizer for green or flowering plants, rich in nitrogen and potassium to the irrigating water . Exposure Hedera algeriensis\nThese plants don't fear the cold weather and therefore can be grown in the garden during any time of year. Plant which need at least a few hours a day of solar light.To develop to their best, climber plants need grates, or they can be placed near a wall, which functions as a support. Watering Hedera algeriensis\nLetís avoid watering the the Hedera algeriensis excessively, always leaving the soil dry for a few days between one watering and the other, therefore letís irrigate the substratum deeply every 2-3 weeks with 1-2 buckets of water . This plant has a climber development, at times very vigorous; therefore it is good to remember that the more developed plants need more water compared to the more limited specimens. Treatments Hedera algeriensis\nAs the day-time temperatures rise at the beginning of the spring, it is agreeable to practice a preventive treatment, with a wide-range insecticide, which should be applied when there arenít flowerings in the garden. Before the buds become too large, it is advisable to also treat them with a wide-range fungicide, to prevent the development of fungal diseases which spread easily when there is an elevated environmental moisture. Soil Hedera algeriensis\nThese plants need a substratum with an excellent drainage.\nNotes Hedera algeriensis\nThere aren't any notes. The indications given in this article are related to a medium size plant.", "label": "No"}
{"text": "This is a very welcome book, in spite of the fact that there must be hundreds of others dealing with Bordeaux wines. It is printed handsomely, on durable paper (it is noted that it is printed on alkaline paper), has a cloth book marker, and the last 20 or so pages are devoted to the classification of wines determined at various times in the past as well as to an evaluation of vintages since 1982.\nThe text falls into two parts. Part I (pp. 6–54) consists of five brief chapters con- taining general discussions of (1) history and culture, (2) climate, soil, and grape varieties, (3) viticulture, (4) winemaking and terroir, and, finally (5) classification of wine and regulations. Part II, comprising the bulk of the book, is devoted to a case- by-case description of individual wines, listed by subregion of Bordeaux. Before we lose sight of one of the best features of the book, let me say that every chapter and each discussion of individual wines is accompanied by handsome photographs of vineyards, châteaux, and appurtenant structures, as well as maps, and in many cases of the current owners of the various vineyards.\nThe history of Bordeaux goes back to its medieval beginnings, when the region belonged to England, as discussed in Chapter 1. Originally, Graves was the principal wine-growing region, and the author quotes Samuel Pepys who said in 1663, “I drank a sort of French wine, called Ho Bryan [sic], that hath a good and most par- ticular taste I ever met with.” Wine making expanded in the eighteenth century, Médoc developed, the Rothschild family arrived in the nineteenth century, and finally American interests started to buy vineyards in the twentieth century, to wit, the Dillon family, which acquired Château Haut Brion in 1934. The brief historical overview is informative and useful. Chapter 2 deals with climate, climate change, and climate hazards as well as soil. A brief discussion of permitted varieties of grapes and their characteristics concludes the chapter.\nChapter 3 covers matters that may be unfamiliar to many, specifically soil manage- ment and, equally important, canopy management, diseases of grapes, and a discus- sion of the all-important question of when to harvest. Chapter 4 goes on to discuss the all-important questions of fermentation techniques, barrel aging, and blending, and has brief section on dry white wines and sauternes. Chapter 5 begins with the 1855 classification and also discusses changes or additions to the original classifi- cation, the nature of the wine market, the role of the negociants, of en primeur, and much more.\nThe rest of the book is a detailed analysis of individual vineyards, with a brief (one-page) description of the vineyard itself, followed by a discussion of the individ- ual wines, that is, the “first” wine of the vineyard and any “second” wines that it may have. All of this is extremely sensible, and readers will find all three parts of this handsome book very useful indeed.", "label": "No"}
{"text": "Over a hundred years ago (1875) Richard Temple, Lieutenant Governor of Bengal, made an interesting proposal which ran as follows: the system of education in the English language and Law, introduced in India following the famous Macaulay Minute (1835), had not been entirely successful in producing in the Indian mind the sense of inferiority originally intended. Somehow, the Indians still tended to display a sense of equality with British Learning. As an alternative approach, Indians should be exposed to an education in the \"practical sciences\", which were an exclusive preserve of Western culture. These disciplines, with their \"Exact Methods\" might overwhelm the Indian Mind and thus help induce the requisite sense of inferiority vis-a-vis the British who were the masters of this kind of learning*.\nThis proposal for a benign, bloodless conquest of the Indian Mind was rather well founded, in theory at least. William Wilberforce, father of the Victorian Era in England, had articulated such a scheme of subjugation of the Indian Mind in religious terms in a celebrated parliamentary speech in 1813.\nIn the middle of the nineteenth century there was talk of the 'Triumph of the Mind\" as a package of specific theories and practices that dealt with the subjugation and extermination of the \"alien races\". Concrete expressions of such an ideology could be found in the Republican Ideology of the USA, which held that it is the Virtuous Person who must rule. The Virtuous Person was one who tamed his \"boisterous passions\" (Jefferson) with his mind and thus rose above other men who were incapable of exercising such subtle control, continuing to identify themselves with \"base instincts\". Such peoples or whole races composed of such peoples needed to be ruled over by the Virtuous Persons or their Race, as dominion over them (and their resources) had been granted to the Virtuous. Taming of bodily forces by the mind was held to be forces\". Thus, one of the most potent expressions of Virtuousness or \"moral temper\" was 'Technology\" which was the capacity to tame and array the forces with the purpose of reaching subtler goals The technologists,1 or \"the mechanicians\" as they were termed in the editorials of Scientific American were repeatedly called upon to liberate suffering millions the world over, with the help of their machines and mechanisms that tamed forces hitherto held beyond control. Thus when \"the other people\" were thought of as possessing primitive technology, one without the guidance of a Method, it was derivative of the doctrine that \"Mind\" should exercise control over all systems, certainly that of transformation of earth's resources for production and distribution*.\nWhen \"the practical sciences\" were sought to be imposed on India, the suggestion thus had grounding in a theory just as powerful as theology and whose practice had been tested against various peoples. 'Technology\" as it was called, was to be one more means of scoring a victory in a battle, perhaps not quite as bloody. Technological superiority was identified with the demonstration of a superior Mind that produced it and entitled it to an almost Divine Right to exercise greater dominion over resources.\nAround the time when proposals like these were being put forward, a somewhat different set of proposals were being developed in Britain by the Neglect of Science Committee. This Committee was an informal association of scientists who were alarmed at the rise of a new kind of technological power in Germany in the form of the synthetic dye industry. Starting with the synthesis of aniline dye on an industrial scale, German companies such as Badische Aniline und Soda Fabrek (BASF) and Hoechst invaded the European scene with new synthetic dye-products in succession, alizarin followed by indigo. The formidable alliance of university-based \"chemists\" with craftsmen and mechanics resulted in rapid changes in the character of industrial products, which Britain found difficult to cope with. Britain till then had enjoyed supremacy in terms of 'Triumph of Mind\" with the harnessing \"of steam power for production and with steel manufacture and coal mining but Germany had started Britain by developing an altogether different set of production processes1.' This challenge at the \"technological\" level was also a challenge to the Right of Dominion that Britain possessed by virtue of the 'Triumph of Mind\" ideology. This sense of surprise was compounded by the fact that aniline synthesis was based on a reaction discovered by an English Chemist, Perkins.\nNeglect of Science Committee had been formed in this context, to warn the government of the following problem: Britain had undoubted superiority in producing great ideas in \"pure\" science, while their \"application\" to industry was lacking. Germany could challenge Britain technologically, only because an alliance had been forged between university scientists and industry by way of new organizational linkages. The Committee therefore urged the British government to take up measures to support \"applied research\" to counter the German challenge, by creating new organizations for research. This sort of lobbying resulted in setting up of a permanently funded laboratory, the National Physical Laboratory in London in 1900 and in the creation of a Department of Scientific and Industrial Research (DSIR) in 1916 during the War II.\nThis is the context of the origin of the dichotomy between \"pure\" and \"applied\" science. The problem was: given an \"idea\", how does one get it transformed into a \"product\"; how does tame a \"force of nature\" so as to constitute it as an array of forces to reach a specific goal; what are the linkages or mechanisms that will direct such transformations on appropriate occasions and at an appropriate pace. These are issues that are overtly mobilization in character and have, in fact, been considered as such in some recent writings on the \"sociology of science\" 3. They call for the creation and development of an ability to establish or dismantle idea-formations and organizational linkages/mechanisms at a rate faster than \"an enemy\" could sense and all this is to take place through the Mind, rather than with the aid of arms and strategists as it would be in a battlefield. In such a context, \"the ideas\" or the organizational forms and arrays are themselves subject to drastic changes that may result in radical alterations in them. The essential concern, however, is to set the pace and character of the changes in linkages or formations. Thus, what may be \"pure\" or \"applied\" science is fundamentally dependent upon the particular context of a campaign and the course of changes in them may remain as uncertain as the course of the campaign itself.\nThis was the broad context when the Indian Mind was sought to be directed to the \"more practical sciences\" as part of a campaign for its subjugation. Not that there was no work going on in India on the British sciences earlier: elaborate taxonomic, classificatory exercises in zoology, botany, meteorology and geology were being carried out by various British officers in India since the late 18th century. But when Mahendr Lai Sircar founded the Indian Association for Cultivation of Sciences (IACS) in 1876 in Calcutta, it was the first time that Indians got together to carry out scientific research \"on their own\". The IACS was founded on the vision of Mahendr Lai Sircar whose eclectic belief in the \"scientific method\" led him to call upon Indians to save it from the West that was deviating from its Christian ideals. But Sircar soon ran into trouble over the debate on the purpose of research in IACS: should it be \"pure\" aiding the \"advancement of knowledge\", nothing more nothing less, or should it be oriented to providing popular technical education. A believer in the purity of scientific research over its mere purposefulness, Sircar claimed, in exasperation quoting Thomas Huxley, that the term \"applied science\" had never been invented. Thus, as soon as \"scientific research\" started in India, it was beset by a \"pure\" versus \"applied\" science controversy.\nThe Swadeshi Movement (1905) brought in its wake a number of industries into India, stressing the theme of \"self-reliance\". One of the major demands of the Swadeshi Nationalists had to do with the promotion of technical education in India that would sustain and propel industrialization for self-reliance. The government then came up with its strategy of forming an Indian Industrial Commission,) thought by many to have been formed due to the exigencies of World War I, to deal with the entire spectrum of issues ranging from technical education to large scale industrialization*. This commission, headed by certain Thomas Henry Holland had three Indians (Pandit Malaviya and Dorabji Tata notable among them) on it. The Commission cross-examined many prominent Swadeshi spokesmen and industrialists and compiled the evidence into a massive report. This report does not seem to have been taken seriously, nor its recommendations implemented. The entire approach of the commission as found in the 7-volume report was colored by the attitude of the British officers that technological incompetence was a reflection of moral temper\".\nAs a systematic effort to recast Indian society into an \"industrial mould\" as it was understood then, the Commission proposed a scheme that would view (and develop) India as a series of organizations of \"scientific services\". Apart from this, the most important contribution of the Commission was to inflict upon the Swadeshi industrialists a sense of utter incompetence in technical matters. (Implicit in the Commission's report was the recognition of the need to impose upon India newer forms of scientific organization and, as such, it appears to have paid little attention to the other, \"pure\" type of research.\nBut these issues of \"pure\" versus \"applied\" science were brought to the surface in the 'thirties through the writings of Meghnad Saha (1893-1956) in his journal Science and Culture. Saha was a physicist of moderate standing in the 1920s .who made contributions to the body of \"international\" physics and was an ardent believer in the capacity and right of scientists to rule the World. As is the case with such visionaries always, Saha felt it his duty to espouse his cause by exposing the Gandhian \"anti-industrialism\" and by promoting a view of industrialization of India through study arid monitoring of \"key\" sectors in the West. Saha expressed unreserved admiration for the model of the-USSR, where he claimed the Academy of Sciences provided crucial inputs to the National Planning Commission.\nIn the prevailing atmosphere of naiveté and confusion among Indian leaders in their comprehension of Western institutions and organizations, Saha put forth his theories as to how scientists should rule, how eugenics should be employed (!) in demographic redistribution etc., without being contested. As a result, Saha today is taken by academic \"sociologists of science\" or \"science-policy studies\" specialists to have articulated a policy-making programme for India. All that he and his cohorts of the Science and Culture group achieved was to produce a series of disjunctions between \"pure\" and \"applied\" science, without the slightest hope of ever being able to grasp the nature of the \"innovative\" industrialization of the West.\nWhile Sana's much-vaunted march towards industrialization guided by \"pure\" or \"applied\" science or engineering was being articulated, the colonial government came out with a new scheme for promoting \"innovative\" scientific research, by creating the Board of Scientific and Industrial Research (1940) which shortly thereafter became CSIR. Saha's Science and Culture group which had been advocating a muddled vision of scientifically-guided industry could not produce a single worthwhile scheme for organizing it; at best, the British DSIR was cited as an organizational model. The body (BSIR) appointed several committees under Indian chairmen to assess the viability of a physics laboratory in India along the lines of the British NPL but it was A.V. Hill, President of the Royal Society, who produced an organizational format for industrial research. Hill, a Nobel Laureate, visited India in the closing phase of the World War II, met a number of scientists and claimed that his own scheme of industrial research was patterned after his acquaintance with the structure, of science in India.\nThe Hill Plan advocated strong centralization of research bifurcation of \"research\" department under government from \"user\" departments and was largely accepted and implemented. (The S & C group of course demanded that it be implemented). It was essentially patterned after the then existing British models which even Shanti Swarup Bhatnagar, Director of CSIR, subsequently considered unsatisfactory in providing the link between 'idea' and ‘product’. As on several occasions earlier, the British succeeded in thrusting on India an organizational network whose interlinks and mechanisms were too obfuscated for Indians to grasp and control. One of the key strategies of the British in India was the emphasis on creation and maintenance of extremely confused networks in an organization which would prevent \"others\" from acquiring control. Thus, in the aftermath of 1857, Ellen borough, then the British Cabinet Minister for administrator of India produced a plan for reorganization of the British armies in India, which suggested working out confusing linkages and command-chains, which, in course of time, would be incomprehensible to anybody barring a few, thus preventing sudden changes in the controlling unit or chain of command. NPL in Delhi was fundamentally a unit in this kind of a scheme.\nThe false dichotomy between \"pure\" and \"applied\" research and the kind of disaster it wrought is perhaps best illustrated in the rise and fall of NPL4. NPL had been conceived with much fanfare and the S & C group worked out their own vision of it. However, CSIR under the stranglehold of Hill's Leviathan worked out its own version of it. Perhaps as a model of scientifically active India intended as a show-piece to visiting dignitaries, NPL was chosen to be located in Delhi, much to the consternation of the S & C group which had been pressing for its location in Calcutta, to preserve the latter as the \"scientific capital of India\". Bhatnagar dealt a further blow to them by engineering the selection of K.S. Krishnan as the first director of NPL. Krishnan was considered by many colleagues and contemporaries as the archetypal \"pure\" scientist and under his stewardship NPL brought out papers, rather than products or processes, which could pass for second rate contributions to the body of \"international physics\". When asked by Jawaharlal Nehru as to what was the use of it all to the country, all that Krishnan could do was to get some scientists to build a solar-cooker which died unsung quickly. But during his tenure (that lasted till his death the expectation that somehow NPL would deliver the goods as an \"industrial research laboratory\" ran high and the CSIR Review Committees appointed in that period did not have \"recommendations\" on NPL.\nBut soon after his death, questions began to be raised about the relevance of NPL's work to the nation. Characteristically, Nehru asked P.M.S. Blackett, President of Royal Society (who became influential in Harold Wilson's Government) to look into NPL's activities and make suggestions he thought appropriate (1963). Should one ask for better evidence of the appropriateness of the Temple proposal of 1875?\nPatrick Blackett, for his part came out with a scheme that would dissect NPL into a \"pure\" or \"advanced physics\" division and into an \"applied\" division. He suggested getting rid of the former by merging it with the university. His chief criticism was that NPL was like a university shirking its teaching responsibility and the problems handled in NPL were dull and more oriented towards obtaining Ph. Ds. His view of NPL as an industrial research laboratory consisted in each division contributing \"pilot-plants\". Though the Blackett report was not accepted formally, ultimately, in about ten years time this is what appears to have happened, NPL giving up the attention being paid to \"pure\" physics.\nThe applied/industrial aspect of physics research in NPL was a different kind of failure. Considered by many, including Blackett, as a viable, perhaps the only viable, division of research in NPL, the Ratio Components Unit (RCU) headed by T.V. Ramamurthy attempted design and manufacture of components for the electronics industry. While successes were achieved in terms of setting up a mini-plant the buyers of the technology, BEL, backed out at the opportune time. In another attempt, the government was inclined to favor technology of a multinational company rather than that of NPL. Yet whatever limited successes RCU brought about (including formation of a company. Central Electronics Limited, under the Ministry of Science and Technology) appear to have been more due to the influential network of friendships operated by Ramamurthy. Saying this is not to downgrade whatever were the achievements of RCU, but to observe that perhaps this is how, centering around individuals rather than institutions, that an \"innovative chain\" from idea to product could be developed.\nIn the present continuing phase of bloodless conquest by the West, \"technology\" has become a fundamental issue. In the present day, supremacy of a system is granted on the basis of its engineering capabilities. The ability to dominate and hegemonies is identical with the ability to innovate, to fast-produce many \"latest’s\". The classical \"Triumph of the Mind\" ideology is rephrased now in terms of getting outdated or keeping up-to-date with certain processes called innovation.\nThe underlying nature of innovation as it is broadly understood now, is scientific research conducted in an organized fashion. Innovative research is supposed to start from certain scientific principles and proceed along chains of processes, to lead ultimately to a product or a process. Attempts to describe these processes tend more often to obfuscate rather than illuminate the path from an idea to a product, in the process, producing a whole series of disjunctions between \"fundamental research\" and \"applied or industrial research\"; or between \"technology\" and \"science1; or between \"pilot scale\" and \"industrial scale\" researchers). Some of the CSIR Committees have out-maneuvered all other attempts at this naming game; observe for example, what a certain Parliamentary Estimates Committee (1966) suggested as necessary classification for \"management and control of R & D\" (a) \"pure basic\" research (b) \"objective basic\" (c) \"applied project\" (d) \"applied operational\" (e) \"development\". This is after a similar classifications exercise carried out by the Third CSIR Review Committee (1964), which improved upon the older distinction of \"pure\" versus \"applied\" by propounding (i) \"pure basic\" (ii) \"applied or technological\" (iii)\"objective basic\" as the categories of research.\nTo cap it all, sociologists and economists come up with variety of formidable forces taken out of their books they may be \"market forces\" or anything else, but the social scientists would like to ensure that their contribution to spreading the malaise of disjunctive phrase-mongering is substantial.\nLeaving all this aside, let us pose the question, how does an idea get transformed into a product. We observed earlier in this note that perhaps this entire process might be analogous to mobilization efforts. As firm believers in the ultra-rational consistency of the innovative process, we may find any concept of scientific innovation repugnant. But some observers do describe this process in the kind of terms we suggested. What follows is an example.\nThe mechanical time piece brought the Swiss precision instrument industry to its peak of refinement. The Swiss watch has been synonymous with excellence (and) is an undisputed symbol of social status... However, the timing mechanisms of contemporary clocks and watches are now manufactured by the microelectronics industry. The switch to a new technology came about in response to the demand for even greater precision in watches. Quartz watches first met this need, and they were first produced in Japan. The discovery that quartz was more accurate than conventional timing devices must have been made long ago. Theoretically, anyone could have marketed the idea. It seems strange that Switzerland, home of the mechanical watch did not.\nThe reasons for Switzerland's failure (lay) in the structure of its watch industry. Simply put, the famous Swiss watch makers were not really makers at all, but assemblers. The moving precision parts that make up the Swiss watch were actually made in the cantons by small family producers and artisans. Manufactured watch components were sent to Geneva, where they were carefully checked for quality and then distributed to urban specialists for final assembly. The elaborate subdivision of watch manufacturing encouraged a spirit of independence among artisans at every stage of production, and it proved ultimately impossible to integrate all of the various production processes into one efficient factory system. Here the subdivision of production actually resulted in resistance to further modernization of the industry. In Japan, the makers of watch parts were not especially independent minded, and it was not difficult to organize them under the factory system. In fact, they first came together to manufacture the quartz watch. Entrepreneurs had to mobilize not only makers of precision parts but specialists in-microelectronics and chemistry in order to achieve the high degree of accuracy required of these watches*.\nThis is an account of an innovation in the contemporary period, and the emphasis is on mobilization of men and talent in a system that is based on perceived inadequacies of another system to be conquered. Quite often we have heard analogous to whole descriptions about Indian society by Western observers, e.g. the \"idyllic\" village republics living in a world of their own etc. as a possible cause of defeat and decay. What is called \"innovation\" and is allegedly the nature of industrial research does not appear different from waging a warfare. One could almost say, paraphrasing Michel Foucault's inversion of politics and war, that technology /innovation is continuation of war by other means.\nIn the earlier sections we referred to the tactic of pushing the Indian mind into a morass of \"pure skepticism\" and institute-building, along lines laid down by foreign visionaries. We also referred to the sowing of further confusion by dilettantish groups such as those of Saha, who ardently advocated and believed in the myth of \"planned development of science\" or a science policy dictated by scientists and academics based entirely on foreign models. The disaster wrought by Hills and Blacketts and a whole host of British/American/German and Russian scientists on Indian innovation chiefly consists in the obfuscation or misrepresentation of the linkages that constitute innovation, that make up the entire process from idea to product.\nOur own examples of Britain versus Germany in the earlier part of this century, or Japan against an established technological power in the contemporary period emphasize the need to develop a capacity to experiment with different organizational forms sometimes called \"pure science\" or \"applied science\" or \"technology\". We have noted that for the last hundred years or so, the Indian approach to face this threat of bloodless conquest has been quite deplorable, in that it has been stuck in organizational forms without being able to change them.\nWe now hear of talks ranging from \"import substitution\" \"technological self-reliance\" to a dream of unrestricted pursuit of excellence in limited areas' such as superconductivity. In the meanwhile, concepts of \"mission-oriented\" research and \"technological missions\" have also been floated around. All this is certainly an indication of developing some sort of maturity from the kind of naivete that characterised research in India in the fifties. Perhaps this is all that can be said of them. As we have pointed out, the task is one of coping with continuing conquest, of fighting a game of endless classifications that leads to proliferation of organizational forms. There is every need to study the nature of technological enterprises as war, in the sense we have talked about now, in the contexts of various Western countries. Equally important, rather than worry about sectoral concerns such as \"self-reliance in electronics\", attempts could be made to match \"modern research\" with traditional Indian forms of learning of crafts, to offer possibilities of new linkages. One hopes mat this aspect of the mobilization character of research, than the philistine \"international\", \"pure knowledge\" character will start receiving emphasis in the year of the 100th Anniversary of Jawahar-lal Nehru.\n(1) Britain's supremacy in harnessing steam power for production was seen as a dimension of its political supremacy by Sadi Carnot, whose investigation on \"the motive power of fire\" was prompted by this perception. It is believed beyond doubt now that Carnofs research led to the formulation of the Second law of thermodynamics, enshrined as a \"fundamental\" law (See W. Clerk, Energy for Survival, New York, 1973 for details).\n2) That the innovative power of German chemists at BASF or Hoechst or Bayer was as much due to the particular kind of organizational scheme adopted must have been evident to the other powers, notably Britain and the USA. To minimize competition and duplication in research, three leading chemical firms in Germany, including BASF and Hoechst came together to form the formidable Innergemeinschaft Farben (IG Farben), anticipating the \"cartelization\" of chemical industries into IO in Britain or du Font in the USA. In recent literature, IG Farben has often been charged with supply of \"unusual\" chemicals for mass extermination in Auschwitz and Treblinka. Alter the defeat of Germany, the allied powers dissolved IG Farben into various constituent units.\n(3) Bruno Later in his writings (Laboratory Life, 1979; Science in Action, 1987, Pasteurization of France, 1988) has sought to bring out the \"micro political\" nature of scientific research. Most notable is his recent work on Pasteur (1988, see above) wherein he contends that the success of Pasteur's work lay in his capacity to be a \"spokesman\" for the mysterious microbes in the same way as a politician claims himself \"spokesman ship\" for the \"masses\", who are another mysterious force. Politics, Labor claims, is the art of taming and arraying of forces and science does so with \"natural forces\".\n(4) Shiv Viswanathan (op.cit) has produced a rather elegant sociological study of NPL as an archetypal industrial research laboratory in India. His work is first of its kind, at least in India, but suffers some hat from an uncritical adoption of categories such as \"industrial\" or \"applied\" research and those of \"invention\", \"innovation\" and \"development\".", "label": "No"}
{"text": "Island nations could be forgiven for feeling slighted. They already face the brunt of the effects of climate change: Rising sea levels, dwindling resources, threats to infrastructure and economic foundations. But to add insult to injury, thousands of these islands are too small to be accounted for in the global climate models (GCMs) used by scientists to measure the effects of climate change.\nRead more at EurekAlert\nWatch a night time temporal loop of India from the Earth Observation Group. Act Now", "label": "No"}
{"text": "- Whales & Dolphins\n- Out Island Eco Tours\n- Kiteboarding instructions\n- The Basics\n- Getting Wet\n- Water Play\n- Kite RENTAL Equipment- Taxable\n- DOWNWINDERS / SAFARIS\n- Wind & Conditions\n- Wind Chart\n- WHAT TO BRING & WEAR\n- Instructors, Guides and Team Riders\n- Stand Up Paddle Boarding\n- Private Charters\nThe Humpbacks follow a timeless track between their five primary summer feeding grounds in the North: the Gulf of Maine, Eastern Canada, Greenland, Iceland and Norway and their two breeding grounds in the South; Cape Verde Islands and the Caribbean (primarily, Turks and Caicos Islands, North East Dominican Republic and North West Puerto Rico).\nAs the bounty of food, essentially krill, plankton and small fish diminishes (whales can eat up to 3000 lbs. per day) throughout the summer, whales will leave in the Fall having built up significant fat reserves (blubber) and swim toward their tropical winter calving grounds covering distances of up to 3000+ miles in as little as under 40 days! Humpbacks then congregate and engage in mating activities. Surface displays of breaching, tail lobbing, fin and chin slapping are often coupled with complex male songs that can last up to 20-40 minutes or more and are often superb soundtracks on our scuba and snorkel trips.\nCalves are born here after 11 months of gestation or on route and weigh as much as 2000 lbs., small in comparison to their mother’s 25-40 tons! Females are larger than males and while none of the whales eat in the South, calves grow rapidly from their mothers’ highly nutritious milk (so viscous, it binds together in the water). Weaning occurs 6-10 months later with breeding every two/three years.\nMothers are highly protective of their calves, forming close bonds and often provide us with some of our best encounters as they become more relaxed during the season.", "label": "No"}
{"text": "In-Scope Electrical Equipment\nThe EESS aims to increase consumer safety through regulating household electrical equipment. The term “in-scope” is defined in law and means electrical equipment that is:\n- rated at a voltage greater than 50 V AC RMS or 120V ripple-free DC; and\n- rated at a voltage less than 1000V AC RMS or 1500V ripple-free DC; and\n- is designed or marketed as suitable for household, personal or similar use.\nIt is immaterial whether the equipment is designed or marketed for commercial or industrial purposes as well as for household use. If Regulatory Authorities (RAs) claim that an item is in-scope , it will be taken that way unless the Responsible Supplier can prove otherwise.\nRisk Levels – Definition\nA feature of the EESS is the provision of a more proactive risk based approach to regulating electrical equipment. The EESS provides for in-scope electrical equipment to be classified into three levels:\nRisk Level 1 – electrical equipment that is classified low risk or unknown risk and is any in-scope electrical equipment not classified as Risk Level 3 or Risk Level 2.\nThere are proportionate requirements for each risk level, depending upon the potential risk currently identified for the item. The EESS creates a process for Regulatory Authorities to add new equipment types to the list of in-scope equipment more quickly, move equipment types up and down risk levels as necessary, and applies a sliding scale of regulatory requirements depending on Risk Level classification.", "label": "No"}
{"text": "6 tips for debriefing EMS simulation scenarios\nYou can use the Gather-Analyze-Summarize model to facilitate scenario debriefing and maximize learning\nThe growth of simulation in EMS education has brought high fidelity mannequins, realistic patient care environments and even virtual reality into classrooms. But whether sophisticated equipment or peer-actors and task trainers are used, most learning from simulation takes place during debriefing after the scenario [1,2].\nDebriefing should be a discussion about performance in a scenario, not a one-sided critique about what was good and bad. The Gather-Analyze-Summarize debriefing model is a tool to guide scenario participants to reflect on what they did, why they did it and how the experience can be applied in the future. The GAS model can be applied to any scenario, scaled to any group size, and can be used during or after scenarios .\nHere are six tips for using the GAS model for debriefing:\n1. Plan the debriefing when planning the scenario\nPlanning what to discuss during debriefing is just as important as planning the events during the scenario. When developing scenarios, start by identifying learning objectives and determine what acceptable performance is. Plan to take notes, use a checklist or review video to track critical points and actions in the scenario, and to focus on performance gaps during debriefing.\nDecide whether the participants will be prompted during the scenario if a mistake is made or critical intervention is not performed, or if the scenario will continue regardless of what takes place until a predetermined stop point. Pausing scenarios for reflection and feedback is appropriate for formative scenarios, which are designed for teaching a new module or protocol to correct mistakes and prevent development of bad habits .\nSummative scenarios, where participants are assessed on how well they can apply concepts and work through problems, are best run without interruption. The simulated patient would decline if critical interventions are not performed or if an error is made, and debriefing about the events only takes place after the scenario is complete.\nBudgeting time for debriefing is another critical part of scenario planning. Depending on the complexity of the scenario, debriefing may take longer than running the scenario . In the GAS model, plan to spend 25 percent of debriefing time in the gather phase, 50 percent for analysis and 25 percent in the summarize phase .\n2. Set up a safe container with a pre-brief\nSimulation is intimidating for participants who may feel uncomfortable performing in front of their peers, lack confidence in the topic area or fear harsh criticism [2,4]. Scenario participants who feel threatened are also more likely get defensive about their performance during debriefing, but those who feel an alliance with instructor are more likely to share thought processes behind actions and learn more from the experience .\nPre-briefing before the scenario allows facilitators to learn about scenario participants and for the participants to understand expectations. Start by asking participants to share about their experience as an EMS provider or student, their comfort level with the topic area of the scenario, and their experience with simulation in the past.\nSet ground rules that create an environment where participants are open to learning, such as:\n- The goal of simulation is not perfection, but for participants to be challenged, to make mistakes and to learn from mistakes\n- Whether feedback will be given during the scenario or only afterwards\n- Whether any outside resources are available during the scenario, such as calling medical control\n- Whether or not the scenario will be recorded and who will see the recording\n- With whom the scenario outcome will be shared\n- Obtaining agreement that participants will not gossip about what happened [2, 4]\nThink of facilitating a scenario as coaching a sports team during a scrimmage game. You want team members to push past their comfort levels, experiment and take risks in a setting that won’t harm patients, and the goal is for everyone to perform better on their next call. Participants will take more away from the scenario if that is communicated before you begin.\n3. Gather Phase: Encourage participants to share observations and feelings\nSimulation can be an emotional experience, and participants need an opportunity to release those emotions before they are able to learn from events in the scenario .\nStart debriefing by asking participants about their initial reaction to the scenario, then guide the discussion by pointing out behaviors you observed at key points during the scenario, such as “I noticed you raised your voice when you saw that the oxygen was not turned on,” or “I noticed everyone stopped talking when the patient did not respond to naloxone,” followed by “What were you thinking when that happened?” or “Did everyone observe that event?” Use open-ended questions and active listening – ask for clarification, repeat what participants share in your own words and ask participants if they have been in a similar situation in the past .\nAfter emotions have been defused, ask the team leader to review the main points in the case and seek input from team members about what happened. This allows participants with different roles in the scenario to understand the overall goals of the scenario before connecting events to learning objectives .\n4. Analysis Phase: learn why events happened before giving feedback\nAfter discussing feelings about what happened in the scenario, guide participants to reflect more deeply about why they acted in the way they did during the scenario, and then give feedback to compare their performance with the standard [1,2].\nFacilitators need to understand what participants were thinking when they made decisions in order to give appropriate feedback. Point out observable behaviors, such as, “the patient was found in respiratory arrest and received oxygen via non-rebreather mask. What were you thinking when you chose how to deliver oxygen?”\nThe participant may have not have recognized that the patient was not breathing, may not have known the correct treatment for a patient in respiratory arrest, or may have misinterpreted something covered in class. Provide feedback connecting the reason for that action to the learning objectives. Point out positive events too, such as, “you promptly started CPR and defibrillated within 30 seconds of the patient losing a pulse.”\nAssume that participants are making the best decisions they can based on their knowledge and experience, and ask questions about events out of curiosity, not for interrogation. Do not put scenario participants on the spot and ask them to recall facts or explain diseases, and avoid long lectures about events in the scenario; this ruins any alliance between facilitators and participants.\nLimit the analysis to three to five objectives to discuss, even if there were more issues. Covering more points comes with a risk that participants will not remember any.\n5. Summarize Phase: have participants share what they took away from the scenario\nWrap up the debrief by reviewing the lessons covered in the scenario and ask participants how they will apply the experience to their practice. Ask about what they felt went well during the scenario and what they would change in the future. Verify that participants understand the intended objectives, and ask participants if they have any final questions or comments .\n6. Microdebrief during formative scenarios\nThe GAS model can be also be applied during formative scenarios. Direct the participant’s attention to that item, such as, “I noticed that no one is doing chest compressions right now,” or “I noticed that no one applied a capnography circuit to the ET tube.”\nThen ask what participants are thinking or feeling at the moment before the pause (gather), guide them to figure out what needs to be done to improve the performance (analyze), and ask them how that will change during the rest of the scenario (summarize). Focus on a specific action and resume the scenario as quickly as possible.\nEffective debriefing is essential for sustained learning from simulation scenarios. The Gather-Analyze-Summarize method is a valuable tool for guided reflection and feedback about events during simulation, and how that experience can be applied to future practice .\n1. Phrapus PE, O’Donnell JM. Debriefing using a structured and supportive approach. In Levine, AI et al (eds.),The Comprehensive Textbook of Healthcare Simulation. 2013; New York: Springer Science + Business Media. DOI 10.1007/978-1-4614-5993-4_6\n2. Szyld D, Rudolph JW. Debriefing with good judgment. In Levine, AI et al (eds.),The Comprehensive Textbook of Healthcare Simulation. 2013; New York: Springer Science + Business Media. DOI 10.1007/978-1-4614-5993-4_6\n3. Eppich WJ, Hunt E, Duval-Arnould JM, Siddall VJ, Cheng A. Structuring feedback and debriefing to achieve mastery learning goals. Academic Medicine. 2015;90, 1501-1508. doi:10.1097/ACM.0000000000000934\n4. Rudolph J, Roemer D, Simon R. Establishing a safe container for learning in simulation: The role of presimulation briefing. Simulation in Healthcare. 2014; 9:339 - 349.", "label": "No"}
{"text": "Managing fire in the middle ages:\nWith timber-framed houses, roofed by thatch, lit by candles, and heated by open fires, the risk of a house-fire was an ever-present threat in medieval and Tudor towns.\nPrior to the 17th century, the only means of fighting fires were\n- dowsing the fire by throwing water on the fire from leather buckets filled with water,\n- using a brass \"squirt\" gun full of water (like an over -sized syringe),\n- pulling the thatch off the roof with long fire-hooks,\n- pulling down a burning house, or\n- blowing up neighbouring buildings to prevent the fire spreading.\nThe Great Fire of Hungerford:\nIn 1566 Hungerford suffered a serious fire. \"Hungerforda igne sed immodico pene perusta est\" (Hungerford was almost completely destroyed by a vast conflagration).\nThe fire started near the Queen's Mill at the northern end of the town (now Mill Hatch, Bridge Street), and it rapidly spread south along the main street as far as the market place destroying many properties. For much more about this disaster, see Great Fire of Hungerford.\n- Drawing of c1598 showing fire-hooks and buckets in use\n- Fire hooks\n- Central portion of Francis' 1794 map showing the pond in the middle of the main street\n- Hungerford's two 18th century manual fire pumps. The pump on the right is now restored, and stands in the entrance to the Town Hall and Corn Exchange.\n(This picture was developed from a glass plate found after Albert Parsons closed his photographic shop in the High Street.)\n- Hungerford's two 18th century manual fire pumps. The pump on the right is now restored, and stands in the entrance to the Town Hall and Corn Exchange. On the photo one can see it is marked as \"Repaired 1831 by Geo Earle, Constable\".\n- This 18th century manual fire pump is thought to be the one bought in 1737 (ie Hungerford's 2nd fire engine), and is probably by Newsham (see other examples below), or Bristows.\n- An early Newsham at Bray\n- Another Newsham manual fire-pump said to date from 1737. (At Bray) Note the pivoting front wheels. There are many similarities between this and one of Hungerford's pumps.\n- Hungerford's remaining 18th century fire pump, standing in the entrance hall of the Town Hall. This was probaly Hungerford's 3rd fire engine. It is not yet known by whom or when it was made, but it might have been made by Adam Nuttall or Samuel Phillips. (See text for more information)\n- This Croft Castle manual fire pump is very similar to the restored Hungerford one. The pumping handles are placed at the ends. The mechanism is simpler and less efficient than that used by Newsham. This is painted with a date 1843 (but this is perhaps the date of restoration or acquisition). [Kindly provided by Maureen Shettle]\n- Athelstan Museum's fire pump - remarkably similar to Hungerford's restored pump. It was built by Samuel Phillips for Malmesbury, and dates from 1760 or later. Adam Nuttall pumps were similar, but started in 1751. Adam Nuttall's wife was probably related to John Fowke, an earlier manufacturer of fire pumps.\n- Looking inside the Hungerford fire engine\n- Hungerford's remaining 18th century fire pump, with the two panels removed for better investigation, 20 Feb 2013. (See text for more information)\nThe Great Fire of London in 1666 devastated one third of the city, and reduced to ruins over 13,000 houses and 89 churches. It was soon realised that there was a need for the provision of compensation on a greater scale than simply a collection at the local church.\nThe earliest fire insurance was provided by The Phenix fire office in 1680, but it ceased business in 1712. Other insurance companies developed, and it was necessary to identify those properties for which premiums had been paid. The fire mark was created to mark these buildings with the identification of the insurance company. The first examples were made of lead, and some hundred years later followed by copper, tinned iron, zinc, brass and ceramic. This practice carried on for two hundred and fifty years.\nThere were approximately two hundred insurance companies that issued over nine hundred fire marks, some only one and others as many as forty-odd different variants. There are many fire-marks in Hungerford, two from the Sun Fire Office.\nSee also: Fire-marks, for much more about the many fire-marks still displayed on Hungerford buildings.\nThe development of fire pumps:\nFire buckets and fire-hooks continued to be used through the the 16th century, but following the Great Fire of London in 1666, serious efforts were made to improve the design and efficiency of water pumps to fight fires. There was a surge in the development of fire pumps.\nShortly after, in 1708, the House of Commons passed the Parish Pump Act ordering that every parish (in London) must keep a water pump and designated men to help extinguish fires.\nSeveral people began to design fire pumps.\nIn 1712 the English inventor Richard Newsham (originally a pearl button-maker in London) came up with an effective design for a fire-fighting water pump.\nEarly Newsham fire pumps were little more than hand-powered pumps on wheels, but it is estimated that they could squirt 400 litres of water per minute, at flames over 40 metres away. They were a great advance on leather buckets!\nHis pump consisted of an open trough on wheels. The trough was filled with water using buckets. Inside the trough were two pistons attached to two large handles. Pumping the handles up and down squeezed the pistons and pushed the water out of a swivelling copper spout on top of the pump. The key element of Newsham's design was a 'gimble' - a chain mechanism that allowed the pistons to remain vertical while pumping. This made the pump far more powerful than other designs.\nIn 1720 a manual pump was constructed by Richard Newsham that could pump 110 gallons per minute in a continuous stream up to 40 yards. This formed the basis for pump design for many years to come.\nIn 1725 and 1735 he took out patents for improved fire engines.\nHungerford's first fire-pump:\nHungerford was very early in obtaining a fire pump.\nThe first mention of a fire pump to help extinguish fires was in the Constable's Accounts of 1702, which record that £17 was paid for a \"dobell fared engen for the tound yous\". This first fire pump was obtained six years before the 1708 Parish Pump Act.\nIt seems that this 1702 pump has not survived. It is not the restored pump now standing in the entrance lobby of the Town Hall.\nThere are many more references to the fire pump and the ongoing work maintaining it, in the Constables Accounts.\nFollow this for much more on 18th century fire pumps.\nThe Town Pond:\nHungerford High Street runs uphill from the river at its north end, and in order to make the task of fire-fighting easier, a town pond was made about two-thirds of the way up the High Street.\nIt is described as having rails around it and some lime trees were planted in 1718, but as they failed to thrive they were replaced by firs. There are many references to its repair and maintenance in the Constables' Accounts. The pond was eventually filled up in 1805. Follow this link for much more on the town pond.\nHungerford's second and third manual fire-pumps:\nWe know (from The Sun Fire Assurance Records kindly sent by Maureen Shettle in Jan 2013) that a new fire pump was purchased in Hungerford in 1737.\n- On 6 May 1737 Mr Willis, thought to be the local agent for the Sun Fire Insurance Company working out of Andover, applied on behalf of the town to the Sun Country Committee for an \"Allowance towards a New Engine for the Town of Hungerford, the same is referr'd to the consideration of the Committee of Management. [Sun Country Committee Ms 11935/2]\".\n- On 12 May 1737 the Sun Committee of Management agreed \"That thre Guineas be given to the Town of Hungerford towards the expence of an Engine.\". [Sun Committee of Management Ms 11932/3]\nThe Constable's Accounts of early 1739 record that Mr Thomas Liddiard was paid £12 2s 4d \"the remainder of the money due to him from the Borough for a Fire Engine\".\nThe question is... \"is the fire pump standing in the entrance to the Corn Exchange and Town Hall this second pump from 1737?\"\nMuch research was carried out in 2012-2013:\n- The restored fire pump is very similar to the one at Bray (see Photo Gallery), which is said to be a Newsham pump dating from 1737.\n- It is also similar to the Samuel Phillips pumps made for Malmesbury (and on display in the Athelstan Museum, see Photo Gallery), but Samuel Phillips, of New Surrey Street, Blackfriars, London, did not start making fire engines until 1760.\n- Adam Nuttall, who made pumps very similar to Phillips pumps, started his business in 1751. Phillips and Nuttall pumps were very similar, and often can only be distinguished by a makers plaque.\nIn an attempt to verify the manufacturer of the surviving Hungerford pump, the Constable Greg Furr and Hugh Pihlens removed the two panels in the pump on 20 Feb 2013. Unfortunately, there is no surviving evidence of a makers plaque or inscription. Maureen Shettle also visited to examine the pump. She felt that the surviving Hungerford fire pump was by Adam Nuttall or Samuel Phillips, and so it must date from later than 1737 (as these manufacturers did not start until 1751 and 1760).\nThe 1737-39 engine was probably the Newsham design discussed above, and was Hungerford's second fire pump.\nThe surviving pump may have been Hungerford's third fire pump, and probably dates from later in the 18th century.\nIt remains a mystery to be solved!\nThe Hungerford fire pump was found in very poor condition in a shed at the back of the Corn Exchange in 1953. For many years it was used on special festive occasions such as when the local firemen \"blacked up\" their faces to take part in Pewsey Carnival as \"The Dark Town Fire Brigade\"!\nIn Oct 1977 it was photographed by the Newbury Weekly News after its restoration.\nIt was beautifully restored in 1998 by Robin Tubb.\nFor more on early fire pumps see 18th century fire pumps.\nFurther Sun Fire Insurance records:\n24 Aug 1758: To Mr Lucas of Hungerford £5.5.0 to distribute amongst the People who assisted in extinguishing the Fire at Hayward Farm. [Sun Committee of Management Ms 11932/6]\n19 Oct 1769: That two dozen of Buckets be given to the Town of Hungerford in the County of Berks. [Sun Committee of Management Ms 11932/8]\n30 Sep 1784: To William Budd, Agent at Newbury £10.3s.6d for Expences attending the late fire at Hungerford New Town. [Sun Committee of Management Ms 11932/13]\nSignificant fires in Hungerford during 19th century:\nThe Hungerford manual fire-pump was used for a number of important local fires, including:\n- 1867 The railway station up-line buildings were destroyed by fire, later to be replaced by new stone buildings.\n- 1867 At Wooldridge's builders yard on the canal wharf, the carpenters' shop was destroyed. At the time, they were busy making the pews for the newly built St Saviour's Church in Eddington. All the pews were destroyed.\n- 1868 The was a big fire at the farm in Church Street (now the site of St Lawrence Square).\n- 1875 On Tuesday 14 June 1875 there was a major fire in Eddington. Seven cottages were destroyed - and only one was insured.\nHowever, contemporary reports describe the fire engine, known locally as the \"Spitter\", as inadequate.\nBy the 1870s, the town's manual fire pump had given sterling service to the town, but there were increasingly frequent complaints about the inadequacy of the machine. The town was soon to obtain a spanking new fire pump. See Fire Service 1890-1910.\n- Parish Magazines, esp Jul 1875, Jan 1893.", "label": "No"}
{"text": "Of the Influence and Authority of the general Rules of Morality, and that they are justly regarded as the Laws of the Deity\nThe regard to those general rules of conduct, is what is properly called a sense of duty, a principle of the greatest consequence in human life, and the only principle by which the bulk of mankind are capable of directing their actions. Many men behave very decently, and through the whole of their lives avoid any considerable degree of blame, who yet, perhaps, never felt the sentiment upon the propriety of which we found our approbation of their conduct, but acted merely from a regard to what they saw were the established rules of behaviour. The man who has received great benefits from another person, may, by the natural coldness of his temper, feel but a very small degree of the sentiment of gratitude. If he has been virtuously educated, however, he will often have been made to observe how odious those actions appear which denote a want of this sentiment, and how amiable the contrary. Though his heart therefore is not warmed with any grateful affection, he will strive to act as if it was, and will endeavour to pay all those regards and attentions to his patron which the liveliest gratitude could suggest. He will visit him regularly. he will behave to him respectfully; he will never talk of him but with expressions of the highest esteem, and of the many obligations which he owes to him. And what is more, he will carefully embrace every opportunity of making a proper return for past services. He may do all this too without any hypocrisy or blamable dissimulation, without any selfish intention of obtaining new favours, and without any design of imposing either upon his benefactor or the public. The motive of his actions may be no other than a reverence for the established rule of duty, a serious and earnest desire of acting, in every respect, according to the law of gratitude. A wife, in the same manner, may sometimes not feel that tender regard for her husband which is suitable to the relation that subsists between them. If she has been virtuously educated, however, she will endeavour to act as if she felt it, to be careful, officious, faithful, and sincere, and to be deficient in none of those attentions which the sentiment of conjugal affection could have prompted her to perform. Such a friend, and such a wife, are neither of them, undoubtedly, the very best of their kinds; and though both of them may have the most serious and earnest desire to fulfil every part of their duty, yet they will fail in many nice and delicate regards, they will miss many opportunities of obliging, which they could never have overlooked if they had possessed the sentiment that is proper to their situation. Though not the very first of their kinds, however, they are perhaps the second; and if the regard to the general rules of conduct has been very strongly impressed upon them, neither of them will fail in any very essential part of their duty. None but those of the happiest mould are capable of suiting, with exact justness, their sentiments and behaviour to the smallest difference of situation, and of acting upon all occasions with the most delicate and accurate propriety. The coarse clay of which the bulk of mankind are formed, cannot be wrought up to such perfection. There is scarce any man, however, who by discipline, education, and example, may not be so impressed with a regard to general rules, as to act upon almost every occasion with tolerable decency, and through the whole of his life to avoid any considerable degree of blame.\nWithout this sacred regard to general rules, there is no man whose conduct can be much depended upon. It is this which constitutes the most essential difference between a man of principle and honour and a worthless fellow. The one adheres, on all occasions, steadily and resolutely to his maxims, and preserves through the whole of his life one even tenour of conduct. The other, acts variously and accidentally, as humour, inclination, or interest chance to be uppermost. Nay, such are the inequalities of humour to which all men are subject, that without this principle, the man who, in all his cool hours, had the most delicate sensibility to the propriety of conduct, might often be led to act absurdly upon the most frivolous occasions, and when it was scarce possible to assign any serious motive for his behaving in this manner. Your friend makes you a visit when you happen to be in a humour which makes it disagreeable to receive him: in your present mood his civility is very apt to appear an impertinent intrusion; and if you were to give way to the views of things which at this time occur, though civil in your temper, you would behave to him with coldness and contempt. What renders you incapable of such a rudeness, is nothing but a regard to the general rules of civility and hospitality, which prohibit it. That habitual reverence which your former experience has taught you for these, enables you to act, upon all such occasions, with nearly equal propriety, and hinders those inequalities of temper, to which all men are subject, from influencing your conduct in any very sensible degree. But if without regard to these general rules, even the duties of politeness, which are so easily observed, and which one can scarce have any serious motive to violate, would yet be so frequently violated, what would become of the duties of justice, of truth, of chastity, of fidelity, which it is often so difficult to observe, and which there may be so many strong motives to violate? But upon the tolerable observance of these duties, depends the very existence of human society, which would crumble into nothing if mankind were not generally impressed with a reverence for those important rules of conduct.\nThis reverence is still further enhanced by an opinion which is first impressed by nature, and afterwards confirmed by reasoning and philosophy, that those important rules of morality are the commands and laws of the Deity, who will finally reward the obedient, and punish the transgressors of their duty.\nThis opinion or apprehension, I say, seems first to be impressed by nature. Men are naturally led to ascribe to those mysterious beings, whatever they are, which happen, in any country, to be the objects of religious fear, all their own sentiments and passions. They have no other, they can conceive no other to ascribe to them. Those unknown intelligences which they imagine but see not, must necessarily be formed with some sort of resemblance to those intelligences of which they have experience. During the ignorance and darkness of pagan superstition, mankind seem to have formed the ideas of their divinities with so little delicacy, that they ascribed to them, indiscriminately, all the passions of human nature, those not excepted which do the least honour to our species, such as lust, hunger, avarice, envy, revenge. They could not fail, therefore, to ascribe to those beings, for the excellence of whose nature they still conceived the highest admiration, those sentiments and qualities which are the great ornaments of humanity, and which seem to raise it to a resemblance of divine perfection, the love of virtue and beneficence, and the abhorrence of vice and injustice. The man who was injured, called upon Jupiter to be witness of the wrong that was done to him, and could not doubt, but that divine being would behold it with the same indignation which would animate the meanest of mankind, who looked on when injustice was committed. The man who did the injury, felt himself to be the proper object of the detestation and resentment of mankind; and his natural fears led him to impute the same sentiments to those awful beings, whose presence he could not avoid, and whose power he could not resist. These natural hopes and fears, and suspicions, were propagated by sympathy, and confirmed by education; and the gods were universally represented and believed to be the rewarders of humanity and mercy, and the avengers of perfidy and injustice. And thus religion, even in its rudest form, gave a sanction to the rules of morality, long before the age of artificial reasoning and philosophy. That the terrors of religion should thus enforce the natural sense of duty, was of too much importance to the happiness of mankind, for nature to leave it dependent upon the slowness and uncertainty of philosophical researches.\nThese researches, however, when they came to take place, confirmed those original anticipations of nature. Upon whatever we suppose that our moral faculties are founded, whether upon a certain modification of reason, upon an original instinct, called a moral sense, or upon some other principle of our nature, it cannot be doubted, that they were given us for the direction of our conduct in this life. They carry along with them the most evident badges of this authority, which denote that they were set up within us to be the supreme arbiters of all our actions, to superintend all our senses, passions, and appetites, and to judge how far each of them was either to be indulged or restrained. Our moral faculties are by no means, as some have pretended, upon a level in this respect with the other faculties and appetites of our nature, endowed with no more right to restrain these last, than these last are to restrain them. No other faculty or principle of action judges of any other. Love does not judge of resentment, nor resentment of love. Those two passions may be opposite to one another, but cannot, with any propriety, be said to approve or disapprove of one another. But it is the peculiar office of those faculties now under our consideration to judge, to bestow censure or applause upon all the other principles of our nature. They may be considered as a sort of senses of which those principles are the objects. Every sense is supreme over its own objects. There is no appeal from the eye with regard to the beauty of colours, nor from the ear with regard to the harmony of sounds, nor from the taste with regard to the agreeableness of flavours. Each of those senses judges in the last resort of its own objects. Whatever gratifies the taste is sweet, whatever pleases the eye is beautiful, whatever soothes the ear is harmonious. The very essence of each of those qualities consists in its being fitted to please the sense to which it is addressed. It belongs to our moral faculties, in the same manner to determine when the ear ought to be soothed, when the eye ought to be indulged, when the taste ought to be gratified, when and how far every other principle of our nature ought either to be indulged or restrained. What is agreeable to our moral faculties, is fit, and right, and proper to be done; the contrary wrong, unfit, and improper. The sentiments which they approve of, are graceful and becoming: the contrary, ungraceful and unbecoming. The very words, right, wrong, fit, improper, graceful, unbecoming, mean only what pleases or displeases those faculties.\nSince these, therefore, were plainly intended to be the governing principles of human nature, the rules which they prescribe are to be regarded as the commands and laws of the Deity, promulgated by those vice-gerents which he has thus set up within us. All general rules are commonly denominated laws: thus the general rules which bodies observe in the communication of motion, are called the laws of motion. But those general rules which our moral faculties observe in approving or condemning whatever sentiment or action is subjected to their examination, may much more justly be denominated such. They have a much greater resemblance to what are properly called laws, those general rules which the sovereign lays down to direct the conduct of his subjects. Like them they are rules to direct the free actions of men: they are prescribed most surely by a lawful superior, and are attended too with the sanction of rewards and punishments. Those vice-gerents of God within us, never fail to punish the violation of them, by the torments of inward shame, and self-condemnation; and on the contrary, always reward obedience with tranquillity of mind, with contentment, and self-satisfaction.\nThere are innumerable other considerations which serve to confirm the same conclusion. The happiness of mankind, as well as of all other rational creatures, seems to have been the original purpose intended by the Author of nature, when he brought them into existence. No other end seems worthy of that supreme wisdom and divine benignity which we necessarily ascribe to him; and this opinion, which we are led to by the abstract consideration of his infinite perfections, is still more confirmed by the examination of the works of nature, which seem all intended to promote happiness, and to guard against misery. But by acting according to the dictates of our moral faculties, we necessarily pursue the most effectual means for promoting the happiness of mankind, and may therefore be said, in some sense, to co-operate with the Deity, and to advance as far as in our power the plan of Providence. By acting other ways, on the contrary, we seem to obstruct, in some measure, the scheme which the Author of nature has established for the happiness and perfection of the world, and to declare ourselves, if I may say so, in some measure the enemies of God. Hence we are naturally encouraged to hope for his extraordinary favour and reward in the one case, and to dread his vengeance and punishment in the other.\nThere are besides many other reasons, and many other natural principles, which all tend to confirm and inculcate the same salutary doctrine. If we consider the general rules by which external prosperity and adversity are commonly distributed in this life, we shall find, that notwithstanding the disorder in which all things appear to be in this world, yet even here every virtue naturally meets with its proper reward, with the recompense which is most fit to encourage and promote it; and this too so surely, that it requires a very extraordinary concurrence of circumstances entirely to disappoint it. What is the reward most proper for encouraging industry, prudence, and circumspection? Success in every sort of business. And is it possible that in the whole of life these virtues should fail of attaining it? Wealth and external honours are their proper recompense, and the recompense which they can seldom fail of acquiring. What reward is most proper for promoting the practice of truth, justice, and humanity? The confidence, the esteem, and love of those we live with. Humanity does not desire to be great, but to be beloved. It is not in being rich that truth and justice would rejoice, but in being trusted and believed, recompenses which those virtues must almost always acquire. By some very extraordinary and unlucky circumstance, a good man may come to be suspected of a crime of which he was altogether incapable, and upon that account be most unjustly exposed for the remaining part of his life to the horror and aversion of mankind. By an accident of this kind he may be said to lose his all, notwithstanding his integrity and justice; in the same manner as a cautious man, notwithstanding his utmost circumspection, may be ruined by an earthquake or an inundation. Accidents of the first kind, however, are perhaps still more rare, and still more contrary to the common course of things than those of the second; and it still remains true, that the practice of truth, justice, and humanity is a certain and almost infallible method of acquiring what those virtues chiefly aim at, the confidence and love of those we live with. A person may be very easily misrepresented with regard to a particular action; but it is scarce possible that he should be so with regard to the general tenor of his conduct. An innocent man may be believed to have done wrong: this, however, will rarely happen. On the contrary, the established opinion of the innocence of his manners, will often lead us to absolve him where he has really been in the fault, notwithstanding very strong presumptions. A knave, in the same manner, may escape censure, or even meet with applause, for a particular knavery, in which his conduct is not understood. But no man was ever habitually such, without being almost universally known to be so, and without being even frequently suspected of guilt, when he was in reality perfectly innocent. And so far as vice and virtue can be either punished or rewarded by the sentiments and opinions of mankind, they both, according to the common course of things, meet even here with something more than exact and impartial justice.\nBut though the general rules by which prosperity and adversity are commonly distributed, when considered in this cool and philosophical light, appear to be perfectly suited to the situation of mankind in this life, yet they are by no means suited to some of our natural sentiments. Our natural love and admiration for some virtues is such, that we should wish to bestow on them all sorts of honours and rewards, even those which we must acknowledge to be the proper recompenses of other qualities, with which those virtues are not always accompanied. Our detestation, on the contrary, for some vices is such, that we should desire to heap upon them every sort of disgrace and disaster, those not excepted which are the natural consequences of very different qualities. Magnanimity, generosity, and justice, command so high a degree of admiration, that we desire to see them crowned with wealth, and power, and honours of every kind, the natural consequences of prudence, industry, and application; qualities with which those virtues are not inseparably connected. Fraud, falsehood, brutality, and violence, on the other hand, excite in every human breast such scorn and abhorrence, that our indignation rouses to see them possess those advantages which they may in some sense be said to have merited, by the diligence and industry with which they are sometimes attended. The industrious knave cultivates the soil; the indolent good man leaves it uncultivated. Who ought to reap the harvest? who starve, and who live in plenty? The natural course of things decides it in favour of the knave: the natural sentiments of mankind in favour of the man of virtue. Man judges, that the good qualities of the one are greatly over-recompensed by those advantages which they tend to procure him, and that the omissions of the other are by far too severely punished by the distress which they naturally bring upon him; and human laws, the consequences of human sentiments, forfeit the life and the estate of the industrious and cautious traitor, and reward, by extraordinary recompenses, the fidelity and public spirit of the improvident and careless good citizen. Thus man is by Nature directed to correct, in some measure, that distribution of things which she herself would otherwise have made. The rules which for this purpose she prompts him to follow, are different from those which she herself observes. She bestows upon every virtue, and upon every vice, that precise reward or punishment which is best fitted to encourage the one, or to restrain the other. She is directed by this sole consideration, and pays little regard to the different degrees of merit and demerit, which they may seem to possess in the sentiments and passions of man. Man, on the contrary, pays regard to this only, and would endeavour to render the state of every virtue precisely proportioned to that degree of love and esteem, and of every vice to that degree of contempt and abhorrence, which he himself conceives for it. The rules which she follows are fit for her, those which he follows for him: but both are calculated to promote the same great end, the order of the world, and the perfection and happiness of human nature.\nBut though man is thus employed to alter that distribution of things which natural events would make, if left to themselves; though, like the gods of the poets, he is perpetually interposing, by extraordinary means, in favour of virtue, and in opposition to vice, and, like them, endeavours to turn away the arrow that is aimed at the head of the righteous, but to accelerate the sword of destruction that is lifted up against the wicked; yet he is by no means able to render the fortune of either quite suitable to his own sentiments and wishes. The natural course of things cannot be entirely controlled by the impotent endeavours of man: the current is too rapid and too strong for him to stop it; and though the rules which direct it appear to have been established for the wisest and best purposes, they sometimes produce effects which shock all his natural sentiments. That a great combination of men should prevail over a small one; that those who engage in an enterprise with forethought and all necessary preparation, should prevail over such as oppose them without any; and that every end should be acquired by those means only which Nature has established for acquiring it, seems to be a rule not only necessary and unavoidable in itself, but even useful and proper for rousing the industry and attention of mankind. Yet, when, in consequence of this rule, violence and artifice prevail over sincerity and justice, what indignation does it not excite in the breast of every human spectator? What sorrow and compassion for the sufferings of the innocent, and what furious resentment against the success of the oppressor? We are equally grieved and enraged at the wrong that is done, but often find it altogether out of our power to redress it. When we thus despair of finding any force upon earth which can check the triumph of injustice, we naturally appeal to heaven, and hope, that the great Author of our nature will himself execute hereafter, what all the principles which he has given us for the direction of our conduct, prompt us to attempt even here; that he will complete the plan which he himself has thus taught us to begin; and will, in a life to come, render to every one according to the works which he has performed in this world. And thus we are led to the belief of a future state, not only by the weaknesses, by the hopes and fears of human nature, but by the noblest and best principles which belong to it, by the love of virtue, and by the abhorrence of vice and injustice.\n‘Does it suit the greatness of God,’ says the eloquent and philosophical bishop of Clermont, with that passionate and exaggerating force of imagination, which seems sometimes to exceed the bounds of decorum; ‘does it suit the greatness of God, to leave the world which he has created in so universal a disorder? To see the wicked prevail almost always over the just; the innocent dethroned by the usurper; the father become the victim of the ambition of an unnatural son; the husband expiring under the stroke of a barbarous and faithless wife? From the height of his greatness ought God to behold those melancholy events as a fantastical amusement, without taking any share in them? Because he is great, should he be weak, or unjust, or barbarous? Because men are little, ought they to be allowed either to be dissolute without punishment, or virtuous without reward? O God! if this is the character of your Supreme Being; if it is you whom we adore under such dreadful ideas; I can no longer acknowledge you for my father, for my protector, for the comforter of my sorrow, the support of my weakness, the rewarder of my fidelity. You would then be no more than an indolent and fantastical tyrant, who sacrifices mankind to his insolent vanity, and who has brought them out of nothing, only to make them serve for the sport of his leisure and of his caprice.’\nWhen the general rules which determine the merit and demerit of actions, come thus to be regarded as the laws of an All-powerful Being, who watches over our conduct, and who, in a life to come, will reward the observance, and punish the breach of them; they necessarily acquire a new sacredness from this consideration. That our regard to the will of the Deity ought to be the supreme rule of our conduct, can be doubted of by nobody who believes his existence. The very thought of disobedience appears to involve in it the most shocking impropriety. How vain, how absurd would it be for man, either to oppose or to neglect the commands that were laid upon him by Infinite Wisdom, and Infinite Power! How unnatural, how impiously ungrateful not to reverence the precepts that were prescribed to him by the infinite goodness of his Creator, even though no punishment was to follow their violation. The sense of propriety too is here well supported by the strongest motives of self-interest. The idea that, however we may escape the observation of man, or be placed above the reach of human punishment, yet we are always acting under the eye, and exposed to the punishment of God, the great avenger of injustice, is a motive capable of restraining the most headstrong passions, with those at least who, by constant reflection, have rendered it familiar to them.\nIt is in this manner that religion enforces the natural sense of duty: and hence it is, that mankind are generally disposed to place great confidence in the probity of those who seem deeply impressed with religious sentiments. Such persons, they imagine, act under an additional tie, besides those which regulate the conduct of other men. The regard to the propriety of action, as well as to reputation, the regard to the applause of his own breast, as well as to that of others, are motives which they suppose have the same influence over the religious man, as over the man of the world. But the former lies under another restraint, and never acts deliberately but as in the presence of that Great Superior who is finally to recompense him according to his deeds. A greater trust is reposed, upon this account, in the regularity and exactness of his conduct. And wherever the natural principles of religion are not corrupted by the factious and party zeal of some worthless cabal; wherever the first duty which it requires, is to fulfil all the obligations of morality; wherever men are not taught to regard frivolous observances, as more immediate duties of religion, than acts of justice and beneficence; and to imagine, that by sacrifices, and ceremonies, and vain supplications, they can bargain with the Deity for fraud, and perfidy, and violence, the world undoubtedly judges right in this respect, and justly places a double confidence in the rectitude of the religious man’s behaviour.", "label": "No"}
{"text": "Fostering Skills for Sustainability – Lessons Learnt from Curriculum Design and Learning Outcomes\nKeywords:sustainable development, curriculum design, learning outcomes, sustainability skills, quality education\nSustainability thinking plays a key role in business development and transformative approach for a safe, sustainable and prosperous future. Education is expected to take action to provide meaningful learning opportunities in different settings and contexts to foster critical thinking thereby understanding the importance of sustainable lifestyles, a climate-neutral economy and a fair society.\nGiven the increased responsibility of higher education providers for preparing students as future responsible change agents, the study analyzed the curriculum design to foster sustainability skills of students in the particular case of the educational project for cooperation in higher education, implemented from 2020 to 2022. A quantitative survey was conducted aiming at assessing the learners' satisfaction and the fulfillment of learning outcomes, drawing up findings and improvement gaps to facilitate further exploitation of results.\nThe findings suggested the improvements from one session to another and the positive changes induced through the aid of course objectives, specific learning outcomes, and the correlation between sustainability themes, SDGs topics, and subjects taught. These stimulated the acquisition of knowledge, skills and attitudes toward sustainability as well as hands-on opportunities to change the status quo, to improve teaching and learning, enabling a better alignment of curricula outcomes in the area of business engineering education.\nFinally, the authors highlighted the curriculum content and methodological approach may be used and adjusted in different educational settings boosting synergies with other initiatives of a similar nature in other institutional and national contexts.\nKeywords: sustainable development, curriculum design, learning outcomes, sustainability skills, quality education\nHow to Cite\nThis work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.", "label": "No"}
{"text": "Published in Psychoneuroendocrinology, the researchers found that married individuals had lower levels of the stress hormone cortisol than those who never married or were previously married. These findings support the belief that unmarried people face more psychological stress than married individuals. Prolonged stress is associated with increased levels of cortisol which can interfere with the body’s ability to regulate inflammation, which in turn promotes the development and progression of many diseases.\n“It’s is exciting to discover a physiological pathway that may explain how relationships influence health and disease,” said Brian Chin, a Ph.D. student in the Dietrich College of Humanities and Social Sciences’ Department of Psychology.\nRead more at Carnegie Mellon University", "label": "No"}
{"text": "ASK A QUESTION Encantada de Conocerte\nI use Rosetta Stone, and several times, I have run across the phrase \"Encantada de Conecerte\", or Encantado de conocerte\", or \"Encantado de Conocerlo.\" I understand these mean something to the English equivalant of \"I'm glad to meet you\", or \"Nice to meet you.\" What I can't figure out is why these words are always changing! Sometimes it's \"Encantado de conocerte\", and sometimes it's \"Encantada de Conecerte, and sometimes there's two or three more I run across! I'm guessing this has something to do with the gender, but I'm not sure what. Can anyone help me to understand why these are always changing?\nEncantado is serving as an adjective here. It is a shortening of Estoy encontad@ de conocerte.\nIf you are male (the speaker; not whom is being spoken to)=encontado\nif you're female=encontada (you are describing yourself, not the other person).\nAs Gekkosan points out the te, le, lo, la, las, les, los, os pronouns on the end of conocer are just different ways of saying \"you\" depending on gender, number, tone and region.\nBut isn't it just the same in English? Polite greetings are just for courtesy, and can take several different forms:\nPleased to meet you\nPleased to make you acquaintance\nNice to meet you\nDelighted! (to meet you / to make your acquaintance)\nCharmed (to meeto you)\nEncantado/a literally means charmed, so it translates directly as \"Charmed to meet you\"\nIf you have been studying for a while you already know the difference between the formal and the informal forms in Spanish (Usted vs. tú), therefore the difference between \"conocerte\" and \"conocerle\" should not represent a big mystery.", "label": "No"}
{"text": "Dental Sealants – Precautions in Tooth Decay\nWorried about your teeth? Concerned about the different procedures? Don’t be afraid!\nDental sealants are a safe procedure to cover up the teeth. To be specific, dental sealants are plastic coatings that are mostly placed on the chewing surface of the permanent back teeth along the molars and premolars, to help protect them from decay.\nWhy are Dental Sealants Placed on Chewing Surfaces?\nThe chewing surfaces are the regions like molar and premolar teeth which have grooves that make them vulnerable to tooth decay. This area can be broad, and is difficult to clean. It can also be narrower than a single bristle of a toothbrush! If the chewing surfaces of these teeth are repaired with the sealant, it will help protect those teeth.\nBenefit of Sealants\nSealants provide extra protection for the pitted areas by providing a smooth covering over the fissured area. Dental sealants are placed in adults, on deep grooves and fissures that do not already have fillings or dental sealants.\nExcept for an allergy that may exist, there are no known side effects from dental sealants.\nKeep your teeth healthy and protected! For problems related to gum disease and Root Canal Techniques. Contact us at St. Catharines at Niagara Periodontics for more information!Appointment Request", "label": "No"}
{"text": "What is Homeopathy?\nThe ancient Greeks first described basic homeopathic treatment. Samuel Hahnemann developed the scientific principles early in the 19th century and Homeopathy is now being rediscovered worldwide as an effective form of alternative therapy especially since it avoids the use of drugs with potentially harmful side effects.\nHomeopathic treatment works well in both people and animals.\nHow does Veterinary Homeopathy work?\nThe body reacts to injury and disease by producing a variety of symptoms. Homeopathy recognizes that these symptoms represent the animal's attempt to heal itself and throw off the disease. Consequently, effective Veterinary Homeopathy does not suppress these symptoms but stimulates the natural healing processes to overcome the problem.\nHow does the Homeopathic Veterinarian decide which medicine to use?\nThe homeopathic veterinarian carries out a complete physical examination of the patient in order to identify all the disease symptoms. The owner will also be asked if there are any situations which make the symptoms better or worse. The veterinary homeopath may then consult a reference book (Materia Medica). This describes the particular symptoms which each medicine can be used to treat. He may also use a specialised computer software program to help him select the most suitable treatment.\nIt should be noted that animals with the same problem sometimes show different symptoms. For example, some lameness problems become worse with movement whereas others improve. Different homeopathic medicines will therefore be required for these different patients. The Homeopathic vet will identify which medicines may be needed during the consultation.\nWhat types of medicines are used in Homeopathy?\nAll homeopathic medicines (remedies) are prepared from natural substances. These may be of animal, mineral or plant origin.\nHow are veterinary Homeopathic medicines prepared?\nAs with all Homeopathic medicines are prepared using a process called potentisation. This involves serial dilutions and vigorous shaking (or succussion) which energises the remedy. It is this energy which stimulates the natural healing process.\nWhat types of diseases can Veterinary Homeopathy treat?\nMost conditions can be successfully treated using veterinary Homeopathy. Improvement can be very quick in acute (sudden) conditions. Chronic (long standing conditions) may take longer to recover.\nMany problems in animals which do not respond to conventional treatment can be treated successfully using veterinary Homeopathy.\nIs a Homeopathic consultation different from a conventional one?\nYes. Homeopathic consultations generally last longer. This is because extra time is required to identify all the symptoms and to gather information on what makes these symptoms better or worse.\n- Veterinary Homeopathy treats disease conditions by stimulating natural healing processes normally present within the animal.\n- Veterinary Homeopathy recognises that animals may react differently when suffering from the same condition. Consequently, different medicines may be required for these animals.\n- Homeopathy avoids the use of drugs with potentially harmful side effects.\nFurther information is available at the following websites\nPage last edited: May 24th 2016", "label": "No"}
{"text": "According to CDC’s statistics, in 2018 more than 7,000 women received an HIV diagnosis in the U.S. with 261,800 living with the disease. The good news is that these numbers have been declining. The risk factors for contracting HIV are vaginal sex, anal sex, and sharing needles, syringes, or other drug injection equipment. Condoms are a great way to reduce your risk of sexually transmitted diseases including AIDS if you are engaging in sex and don’t know the history of your partner. If you have been exposed, it is essential to be tested for proper diagnosis, so treatment can start.\nIt is so important to talk about this disease to remove the stigma and fear of discrimination associated with it. Black and Hispanic women are the most vulnerable populations and have accounted for the largest share of new diagnoses. 14% of transgender women have HIV and many go untreated. Poverty and medical mistrust play a large part in obtaining proper medical treatment as well. March 10th is a day to bring HIV to the forefront and combat this disease together.", "label": "No"}
{"text": "In our many articles on Solar Water Heating we have frequently mentioned copper pipe, but never how to solder it to make water-tight connections. In this article we will show you how to solder copper pipe safely and reliably. It is actually very easy as long as you are careful and take your time.\nSoldering Copper Pipe\nIn most solar collectors 10mm or 15mm annealed copper pipe is perfect. It is the pipe used most commonly in domestic plumbing and so it, and the related fittings are the most competitively priced.\nIn order to to make a joint between two pieces of copper pipe you need the following:\n* Copper pipe (annealed).\n* End feed joint.\n* Wire wool or emery cloth – used to remove dirt and grease from the ends of the copper pipe.\n* Rosin flux – a paste which stops the copper pipe from oxidising and helps the solder to flow.\n* Solder (lead free) and a blow torch – typically propane fuelled.\nThe two ends of copper pipe to be joined must first be cleaned well with the wire wool. Any dirt or grease in the joint may cause it to fail and leak, so make a thorough job of it cleaning until all oxidation has been removed and the metal shines like a new penny.\nApply a little flux to the cleaned ends using a small brush and assemble the joint. Twist the pipe (or joint) backwards and forwards to help to spread the flux throughout the joint. Then, get everything perfectly lined up how you want the finished joint to be.\nUnroll enough solder (at least 12 inches) so that you can hold the tip of the solder against the joint and heat it with a blowtorch without burning your hand. It is a good idea to bend the last few inches of the solder at a right angle to make it easier to apply it to the back and underside of the joints.\nApply heat to the whole joint with the blowtorch starting with the fitting and then moving the blowtorch flame backwards and forwards over the joints with the copper pipe. When the flux starts to bubble and smoke a little, remove the blowtorch and touch the solder at a few points all the way around the ends of each joint.\nSolder will be drawn into the small gap between the pipe and the joint by capillarity. Keep applying solder until there is a perfect ring of solder around the mouth of the fitting. All ends of the joint must be made at the same time since if you do one end, let it cool, and move onto the second end, the first end joint will fail when the fitting is reheated.\nTo give a clean professional finish, quickly rub off any excess solder from the joints using a slightly damp cloth, but be careful as the joint will still be very hot.\nUK Plumbing Suppliers\nIdeally buy your copper pipe and fittings from your local plumbing merchant so you can get some good free practical advice at the same time, however, it is certainly possible to purchase everything you need online, and get it delivered to your doorstep at a great price.\nThere are some great offers on copper end feed fittings at eBay UK – click here to search now for end feed – but once you factor in the free delivery, placing an order for everything you need with Screwfix is usually more cost effective.", "label": "No"}
{"text": "Zithromax’s Potential Side Effect is Stevens-Johnson Syndrome. Zithromax, a popular antibiotic approved in the early 1990s is manufactured by Pfizer and became quickly popular due to its short treatment regimen of only five days. Many other antibiotics must be taken for ten days. One potential side effect associated with Zithromax is Stevens-Johnson Syndrome (SJS), a life-threatening condition that affects the skin and mucous membranes. SJS and its more advanced condition, toxic epidermal necrolysis (TEN), are considered medical emergencies that require hospitalization.\nSJS is an immune reaction that most often occurs following treatment with a medication. Patients may experience this condition from many other different drugs, not just Zithromax; however, the link between Zithromax and SJS appears to be more common than the links seen in other drugs.\nIn 2012, the U.S. Food and Drug Administration (FDA) told Pfizer that the drug maker did not adequately warn about the risk of SJS associated with Zithromax. Although the label mentioned early warning signs such as skin rash and blisters, the company reportedly did not emphasize that the condition may be fatal.\nNational Center for Biotechnology Information Findings Involve the Link Between SJS and Zithromax\nThe National Center for Biotechnology Information published findings involving the link between SJS and Zithromax. The study included two case reports of SJS patients who took Azithromycin: one child and one 62-year-old female.\nIn patients diagnosed with SJS, the top layer of the skin eventually separates and dies, peeling off in large sheets. If the condition affects more than 30 percent of the body, it is referred to as TEN. In many instances, patients require skin grafts and are treated in the burn unit of a hospital. SJS may lead to blindness when scar tissue develops inside the eyelids. SJS may also lead to infection when the top layer of skin peels off and internal tissue becomes exposed to the environment.\nNeed Legal Help Regarding Antibiotic Zithromax and Johnson Syndrome (SJS)", "label": "No"}
{"text": "kidzsearch.com > wiki\n|Salvador Allende Gossens|\n|Chile's First Socialist President|\nNovember 3, 1970 – September 11, 1973\n|Vice President||Carlos Prats|\n|Preceded by||Eduardo Frei Montalva|\n|Succeeded by||Augusto Pinochet Ugarte|\n|Born|| June 26, 1908|\n|Died|| September 11, 1973|\n|Political party||Socialist Party of Chile|\nAllende was born on June 26, 1908 in the port city of Valparaiso, Chile to a well-to-do family. Like many Chileans, Allende had a mestizo (mixed) racial background (Europen and other races mixed with Native Americans), his father Salvador Allende (senior), a lawyer, was of Basque background and his mother Laura Gossens had a Belgian Jewish background (though converted to Catholicism).\nIn 1918 his father sent Allende to study at the Instituto Nacional (National Institute) in Santiago. He then did his compulsory military service and entered the University of Chile to study medicine. Allende was a gifted, friendly and popular student; a great debater and public speaker and quickly becomes a student leader and vice-president of the FECH. (Student Federation of Chile). As an undergraduate student Allende requested to his parents to let him earn his own livelihood and he started to work as a paramedic in the ambulance services and as an assistant in pathology. He graduated with a medical degree in 1933.\nAllende first ran for the presidency in the 1952 elections but failed. Determined to succeed he tried again in 1958 and then in 1964. In both instances he failed again. Allende would tour Chile from Iquique to Magallanes, for example one end to the other, speaking to peasants in the south and miners in the north and held rallies in the big cities. Allende found it hard to win an election because of the successful scare campaigns launched by opposing parties, many financed by large multi-national corporations and powerful national institutions such as private banks and schools.\nFinally, and to the surprise of many working people - who had voted for him in previous elections and felt he would never win - in 1970 he won and became the President of Chile.\nAllende always ran for election on the same socialist platform (plan) proposing the same resolutions (things to be done), focusing on the persistent inequality in the country and the underdevelopment (poverty for large part of the population) which Allende saw as being rooted in the lack of control the Chilean people had over their natural resources and vital industries. (e.g. banks, copper mines, electricity companies etc.).\nAllende promised that he would nationalize (put under control of government) vital industries and then create an advanced public health system and educational system that would be free and accessible to all. During the cold war (between the U.S. and the former U.S.S.R) many people feared that Chile would fall under the influence of the USSR and after the 1960s under the influence of Cuba.\nAllende’s speeches were said to be very radical (extreme) and Allende’s vision for Chile seemed completely different to the Chile that most people were familiar with. For example: Allende was said to be an atheist and Marxist. He was a non- practicing Catholic This was considered odd in a country that was very catholic, held traditional family values, and in which people were taught that political freedoms (the freedom to elect politicians from different parties) was more important than solving problems such as extreme poverty or economic inequality (division between the poorest and the wealthiest people).\nAllende also wanted revolutionary change, i.e. he wanted deep changes to Chilean society very quickly, such forms of changes have been said to have tended to cause great divisions in society between those who oppose the changes (called reactionaries) and those who support the drastic changes (revolutionaries). Through history such situations tend to end up resolved violently. For example civil war (where one group of people fight another group of people of the same country), or military coup (when a government is overthrown before it finishes his term).\nAs a result many Chileans, especially professionals like University professors, doctors and business people left the country–this had a negative effect on Allende’s reforms. E.g. Allende increased health services and places at Universities for the underprivileged while many professors, specialists and doctors were leaving the country.\nHowever, Allende was unique in that he did all he could to prevent this sort of violence, calling his revolution a “peaceful one within democracy” or calling it “the Chilean road to socialism.” In 1973 Allende’s enemies accused him of preparing a secret war and that his supporters were hoarding stocks of illegal weapons (in shanty towns and in rural areas) that were being sent from communist Cuba. To prove that this was not true, Allende allowed the Chilean Army to enforce a “weapons control’s law” that allowed the Chilean military to search and comb for any illegal weapons anywhere in the country. The Chilean army confirmed that after thoroughly searching for such weapons throughout the country they had found no significant stocks as the opposition was claiming. This ended up creating more support for Allende and allowed Allende to begin to focus on the upcoming election.\nAllende came to power with a socialist plan. His vision for Chile was one in which the country's resources and wealth would be owned by Chileans and distributed more democratically. Allende started his program by nationalizing (put under control of government) major industries. Such as, Chile's copper mines (Chile had one of the largest copper mines in the World) but these mines were not owned by Chileans but by very powerful U.S. business people.\nThe coup, September 11, 1973\nThe American Central Intelligence Agency was said to be involved in the overthrowing of his government. Allende was a socialist. Many of his reforms and programs revolved around socialism. He created universal health care for all, made education better, and took a stronger level of control within the economy. He died in 1973. His death has been disputed for years; some feel that he took his own life by committing suicide, but others feel that he was murdered by Augusto Pinochet's militia. Pinochet would then become the ruler of Chile.\nDeath and myth\nAllende was replaced by those who overthrew him as president. Allende committed suicide by shooting himself. The new ruling Junta justified their coup claiming that “Chile could no longer tolerate the cancer of Marxism”. The Pinochet regime claimed Allende had violated the Chilean Constitution–strange considering that Pinochet ended up writing a completely new one.\nAlso, after the coup many rumors and myths emerged about Allende’s death and life. Many of these myths attempted to discredit the character of Allende i.e. make him appear as a coward, weak or cruel person:\n- Some of his enemies claimed he was living in Cuba or East Germany–photographs appeared depicting people with the likeness of Allende.\n- One of the more current myths about Allende, has been that he was an anti-Semite and white supremacist–odd considering that he was a mestizo with Jewish extraction who advocated Marxism (which teaches that people are divided by class not race, ethnicity or nationality).\nLegacy and place in history\nAllende became of interest to people all over the world because he was the first democratically elected socialist in Chile and the first democratically elected Marxist in the world. Many people felt Allende was the beginning of a new era in which great changes to society - especially in developing countries - could be brought about peacefully through an election.\nAllende has become one of the most commemorated Latin American polital figures in history. Since his death monuments, statues, parks and streets have been named in his honour all over the world. In France alone there are more than 320 public places named in honour of Allende. Ministries and municipalities in many countries have also officially approved the naming of schools and educational departments in his honour.\nDespites Pinochet’s 17 years of military rule and an attempt to deny Allende his proper place in Chilean history, he was officially honoured in Chile as a defender of representative democracy (i.e. people’s right to elect their political representatives through free and fair elections) with a state funeral in 1990. A monument was also erected outside the Moneda Presidential Palace (Chile's house of Government) where he died defending the democratically elected Popular Unity government he lead.", "label": "No"}
{"text": "To analyze the relationship between a\nhow a bat strikes a baseball and the flight of the ball then\nuse what you discover to provided a slumping hitter with\nadvice to bring him out of a slump.\n- In his first two seasons playing\nMajor League Baseball for the Seattle Mariners, Ichiro\nSuzuki had 450 base hits. That many hits in the first two\nseasons is a Major League record.\nBut in his third season, things\nchanged! Line drives that used to zip through the infield\nbecame towering shots right into the waiting gloves of\noutfielders. Instead of hitting .404, Ichiro's average\ndropped to .243.\nThis is what we call a\nAs the Mariners' batting coach it\nis your job to help your batters climb out of a slump\nwhen it happens. What could be causing line drives to\nturn into towering fly balls? Could it be that the\nphysics of the swing are all wrong?\n- Recruit a group of kids to help\nyou. Using the materials listed above, videotape each kid\nhitting a baseball from a batting tee. Film from the side\nthat has the best view of the bat making contact with the\nStudy the videotape. Look for a\nrelationship between the spot on the ball that the bat\nstrikes and how the ball travels after it is\n- The Mariner's are on a long road\ntrip. Back at the training facility you decide to produce\na video to send to Suzuki. The video should include\nvisual examples and a detailed explanation of what Ichiro\nmight be doing wrong with his swing and what he needs to\ndo to get back on track.\nThis activity was developed\nby the Event-Based Science Institute with generous\nsupport from the Cal Ripken, Sr. Foundation. A\nversion of this\nand all other baseball/physics activities is available\nfree from the EBS Institute. This activity was written\nby, Scott Durbin, a science teacher at Robert Frost\nMiddle School, Rockville, MD.\n© 2003-12 Event-Based Science Institute", "label": "No"}
{"text": "Every piece of the guitar affects the sound of the instrument to varying\ndegrees. With an understanding of wood properties, you can make a better\nselection of materials to achieve the best combination of sound and visual\nThe top of the acoustic guitar has the\nmost effect on the sound. The traditional choice for the top of an\nacoustic guitar is spruce. Spruce is most widely used because of its high\nstrength to weight ratio. Spruce's light weigh provides\nquick, true response to the vibration of the strings while the\nstrength helps prevent deformation under the tension of the strings.\nMahogany and western red cedar are both popular alternatives to spruce and\nhave gained popularity in recent years. Both of these woods provide\na warmer, more mellow sound than the bright sound of spruce. Other\nwoods may be used for guitar tops, but each must be evaluated\nindividually to determine the effect on the guitar sound.\nAlthough the top is the most critical choice for the sound of the guitar, each\npiece of wood will have minor effects on the sound. Traditionally,\nsides, backs and necks are often made form rosewood or mahogany.\nBoth these woods are strong and easily workable. Just about any\nother wood can be used for the sides and back of the guitar with only\nminor differences in the sound. Lighter woods will provide warmer\novertones to the main sound produced by the top. Denser woods will\nprovide brighter overtones.\nWood choices will affect the sound of an electric guitar,\nbut not as\ndramatic as the effect on acoustic guitars. Regardless, it is\nstill important to understand the properties and choices.\nTraditionally, the bodies of electric guitars are made from alder or swamp\nash. Both alder and swamp ash provide strength and good tone without being too\nheavy. Lighter, less dense woods will provide warmer overtones while\nmore dense woods will provide brighter overtones.", "label": "No"}
{"text": "Aerial Fiber Optics: Concept, Application and Safeguards\nAn optical fiber is a thin, long, transparent material (usually made of glass or plastic) that confines and propagates light waves. Fiber optics use light pulses to transmit information down fiber lines.\nAt one end of the system is a transmitter. This is the place of origin for information coming on to fiber optic lines. The transmitter accepts coded electronic pulse information coming from copper wire.\nDownload to find out more.", "label": "No"}
{"text": "Stem cell therapy for knees offers the hope of a possible cure for osteoarthritis. The development of stem cells into the cartilage layers of the bones has been used for decades to treat such ailments as leukemia and various forms of cancer. Stem cell therapy is still being researched, but for some people it may hold the answer for long-term relief of pain. A recent study in China, funded by the National Institutes of Health, showed promise that the procedure might be effective for osteoarthritis in the knee.\nWhile stem cell therapy for osteoarthritis has proven successful in the research lab, it is not yet available on a large scale in the United States. While stem cell injections into the arthritic knee are now a common treatment, few insurance companies cover the entire cost of this painful knee stem cell treatment procedure. Surgical options such as physical therapy or surgery only diminish over time, meaning the small cost benefit study often seems moot. Patients and their doctors must decide if the physical therapy and surgery are a realistic treatment option for the patient.\nThe potential for a new form of arthritis relief is a subject of much debate. While some doctors believe it will be too difficult to create an entirely new system for the knees, others believe that stem cell therapy for knees therapy is the answer. Either way, the procedure is not yet approved by the FDA and there are risks involved in undergoing it. Physical therapy, while widely used for treating arthritis, may actually make the condition worse.\nStem cell injection therapy uses the patient’s own stem cells, taken from the body, directly into the damaged cartilage. The stem cells are grafted directly into the damaged cartilage, encouraging the formation of new, healthy tissue. This new tissue replaces the damaged portion of the knee cap and provides pain relief. Physical therapy also aids in the development of new cartilage and strength within the knee joint. Stem cells provide a unique opportunity for athletes with knee injuries to heal faster through active rehabilitation therapy.\nMany critics of stem cell treatments point out that the long-term effects of such treatments have not been fully tested. It is possible they could cause the deterioration of bones and other tissues in the body. It is also not completely clear how stem cell treatments will impact the function of the immune system over time. Many researchers agree more research is needed to better understand how stem cells affect the body’s various functions. One controversy is the idea that the body builds up immunity to specific foreign substances injected into the body; stem cell treatments might add a new problem altogether. Scientists are also unsure how long stem cell treatments will be effective in knee replacement surgeries.\nStem cell injections into the knee have proven successful for many patients who are in need of knee pain treatment. They are very effective for relieving pain and reducing inflammation. The potential side effects of stem cell injections must be carefully considered before undergoing surgery. Stem cells for knees can be a very beneficial part of knee pain treatment, but more research is needed to determine their safety and the extent of their effectiveness in treating different kinds of knee injuries and ailments.", "label": "No"}
{"text": "The Kruger-Dunning effect - a cognitive error bad for your health\nUpdated: Jun 7, 2020\nIf you want to learn why your facebook friends claim to know how to cure cancer, but your Internist does not...\nThe Case of McArthur Wheeler\nAfter robbing a bank without a mask, McArthur Wheeler was spotted on security cameras and apprehended shortly afterwards by police. When questioned about the lack of a mask, he claimed that he applied lemon juice to his face. Perplexed, the police asked him to explain. \"Lemon juice\" he explained, \"has been used for ages as an invisible ink, and therefore, if rubbed on the face he reasoned, it could help evade being seen on a security camera\". This strange but true story inspired two psychologist, David Dunning and Justin Kruger, to learn about incompetence.\nLack of Metacognition\nMcArthur was certainly too stupid to rob a bank, but he was also too stupid to realize he was too stupid to rob a bank. He lacked metacognition. Metacognition (meaning - \"above thinking\") is the ability to step outside one’s own mind and watch oneself think. A form of self-reflection to assess one’s own cognitive skills. (It is something encouraged both in Cognitive Behavioral Therapy and most meditation practices.)\nThe Illusion of Superiority\nAnother cognitive error linked with McArthur’s behavior is the illusion of superiority; also known as the ‘Lake Wobagon effect’. This illusion is responsible for the fact that 90% of us think we are better drivers than the average person, 90% of us think we are better looking than the average person, and 90% of us think we are smarter than the average person. I certainly have never met a doctor who said, “Compared with other doctors, I am average”.\nFrom an evolutionary perspective why would we have the illusion of superiority? Possibly, thinking we are more skilled than we are could have survival benefits such as dealing with hardship, maintaining self-esteem, or inflating ones self-worth to others in our group.\nThe Kruger-Dunning Effect\nIn the modern world, however, an illusion of superiority and lacking metacognitive skills are a bad combination. A kind of evolutionary mismatch. Kruger and Dunning put this all together to write their important paper in 1999. The Kruger-Dunning effect - simply stated - amateurs are surprisingly confident despite being incompetent. They don’t know that they don’t know.\nIf McArthur had metacognitive skills and humility he would have thought the following thoughts before robbing the bank:\nDo I have the skills necessary to rob a bank?\nThe people designing the technologies to protect a bank must be very experienced and smart.\nDo I know enough about these technologies?\nIt can’t be easy to rob a bank otherwise everyone would be robbing banks.\nWhat percentage of bank robberies are successful?\nWhat methods were used when robberies were successful and what methods were used when not?\n* If lemon juice makes me invisible to security cameras do I know how to test that hypothesis?\n* Why has someone not used this lemon juice trick before to rob a bank?\nThe more you learn the less you know\nMost of you are probably very knowledgeable in at least one topic. Think about that topic. How many years did it take for you to become knowledgeable? How do you compare what you know now with what you knew then? Have you noticed progressively more complexity to a seemingly simple idea? Did those years of experience leave you with more questions than answers?\nLikely, you noticed that increasing experience leads to a deeper understanding of a topic - and the realization of more complexity. Therefore, when you embark on a new topic do you have the cognitive humility to acknowledge that answers may not be as simple as they initially appear? Can you acknowledge that just because you are bright in one field, it does not make you bright in another? Linus Pauling, the famous physicist and Nobel prize winner, couldn’t. He devoted his life after physics and staked his reputation on the hunch that supplemental Vitamin C is a cure-all. (Sorry to disappoint but... other than causing kidney stones and saving pirates from scurvy it’s pretty much useless.)\nBeing wrong is the normal state in medicine\nIn my last email on cognitive dissonance and opposing nutritional claims, I explained the dissonance my sister-in-law experienced when a new diet vilifying plants conflicted with her vegan beliefs. This kind of cognitive dissonance is not new to experts in the field. In my 30 years of learning medicine I have experienced it at least several hundred times. Here is a small incomplete list of some of the ideas that have changed since I entered medical school:\nOpening stable blocked coronary arteries with angioplasty - not helpful\nTonsillectomy to prevent strep - not good\nAntidepressants for mild to moderate depression - probably not good\nCortisone injections for tendinitis - not helpful in many circumstances\nKnee arthroscopy for meniscal tears - not any better than physical therapy for degenerative meniscal tears\nDigitalis for heart failure - not good\nAntioxidants to prevent cancer and heart disease - does not work\nMSG syndrome - does not exist\nChronic fatigue - not explained by hypoglycemia, Epstein-Barr Virus or gluten\nStress is the main cause stomach ulcers - not true\nStress causes cancer - not true\nSaturated fat causes heart disease - not true\nPSA testing helps to significantly reduce prostate cancer death - not true\nCA-125 and ultrasound screening help reduce ovarian cancer death - absolutely not true\nYearly screening chest x-ray - not helpful\nHormone replacement in women to prevent heart disease - does not work\nAntibiotics for bacterial infections - does not work in all circumstances and may affect gut microbiome\nThe ideas I once thought sacred and immutable were, in fact, wrong. It does not shock me anymore. This is the nature of medicine. The ideas are temporary, acting as a placeholder, until they are proven, disproven, or something else better comes along.\n(this is known as the pessimistic meta-induction argument - that is, because science is always proving older science wrong, the newer science is also probably wrong.)\nAn excellent book covering this topic of medicine being wrong is here.\nKnowledge in medicine uncovers increasing complexity\nWhen we are wrong in medicine we usually realize that the human body is more complex than we initially thought. The antioxidant hypothesis stands as an excellent example. It was first proposed in 1956 by Denham Harman. Free radicals are constantly produced in your cells as a by-product of metabolism - just being alive and breathing results in the release of free radicals. The free radicals cause damage by binding to cell structures such as DNA. This leads to aging and diseases of aging such as cancer and heart disease. However, free radicals can be neutralized by antioxidants. Fruits and vegetables contain lots of antioxidants and the people who eat them seem very healthy. So far so good... Unfortunately, further study with hundreds\nof very large clinical trials testing antioxidant supplements against placebo yielded not a single benefit (accept in the AREDS study of macular degeneration). The antioxidant hypothesis is dead. Billions of dollars and trillions of pills later, where did we go wrong? It turns out that after 3 billion years of evolution, cells have learned to protect themselves from free radicals by producing their own antioxidants. When antioxidants are given in a pill form, the internal production of antioxidants is shut down - net effect is zero. We underestimated the complexity of human physiology.\nAs we uncover fields like the human genome, the epigenome, the microbiome, and stem cells it does not lead to more answers; rather, it leads to more questions, more complexity, and more reasons to be wrong.\nKruger-Dunning effect in medicine\nLately, we have all noticed the abundance of amateurs, biohackers, bloggers, supplement sellers, Silicon Valley CEO’s, and vegan sister-in-laws making health claims with extreme confidence. Even within medicine, there are doctors that change from one field to another, and start to make big claims. I am not a surgeon and certainly wouldn’t profess to know how to rearrange your cardiac blood vessels; why a Columbia heart surgeon has become the nations expert on weight loss supplements and anti-aging skin creams is beyond me?\nThe oversight common to all of these over-confident individuals is that they miss the grand scale of ideas in medicine. Usually latching on to a single idea, they fail to see their idea often has a counter-idea claiming the exact opposite. Their idea is but one of hundreds of unproven ideas and one of thousands of already disproven ideas.\nThus, the reason medicine is so prone to the Kruger-Dunning effect is because human physiology is revealing itself to be increasingly more complex, the volume of ideas is growing exponentially, and most of the ideas are wrong; leaving only experienced individuals with the wisdom to avoid falling prey to the latest, greatest, trendy idea. Without an understanding that we are almost always wrong, it’s hard for most entering medicine to appreciate that they, indeed, could be wrong. They don’t know that they don’t know.\nWays to remedy the Kruger-Dunning effect\nLearning critical thinking is the best solution to counter the Kruger-Dunning effect. Here is an introduction to critical thinking in medicine if you are interested.\nA few quick tips:\nHave humility when approaching a new field.\nSeek out opposing arguments.\nSeek out people with experience and without bias (Don’t treat yourself with diets, supplements, medicines, or experimental injections without asking an unbiased expert.)\nLearn the history of your idea. Where did people go wrong in the past with similar ideas? Is it possible your are making the same mistakes?\nDon’t confuse what you want to be true with what is true.\nTry to verify the credibility of your sources\nDon’t rob a bank without a mask.\nBe like Socrates\nCritical thinking in Western thought began a long time ago with Socrates. In \"The Apology of Socrates\", Socrates’ friend comes back from the Oracle at Delphi and tells him what the Oracle said, “there is no man wiser than Socrates”. After inquiry into the so-called experts of his day, Socrates realizes that the Oracle was correct. Neither the experts nor Socrates had any remarkable knowledge; however, Socrates possessed one insight they did not, “I know that I know nothing”.\nFor those of you interested in further exploring the topic of ignorance, see this video by architect and TED conference founder Richard Saul Wurman. He attributes his success to the fact that he embraces his ignorance, “I always strive to be the dumbest person in the room”.", "label": "No"}
{"text": "Why was the learning process so difficult for the apostles? First of all, they lacked spiritual understanding. They were slow to hear and slow to understand. They were at various times thick, dull, stupid, and blind. All those terms or their equivalents are used to describe them in the New Testament. So how did Jesus remedy their lack of spiritual understanding? He just kept teaching. Even after His resurrection, He stayed forty days on earth. Acts 1:3 says that during that time He was “speaking of the things pertaining to the kingdom of God.” He was still persistently teaching them until the moment He ascended into heaven. A second problem that made the learning process difficult for the disciples is that they lacked humility. They were self-absorbed, self-centered, self-promoting, and proud. They spent an enormous amount of time arguing about who would be the greatest among them (Matthew 20:20–28; Mark 9:33–37; Luke 9:46). How did Jesus overcome their lack of humility? By being an example of humility to them. He washed their feet. He modeled servanthood. He humbled Himself, even unto the death of the cross.\nThird, not only did they lack understanding and humility, but they also lacked faith. Four times in the Gospel of Matthew alone Jesus says to them, “O you of little faith” (6:30; 8:26; 14:31; 16:8). In Mark 4:40, He asked them, “How is it that you have no faith?” At the end of Mark’s Gospel, after they had spent months in intensive training with Jesus—even after He had risen from the dead—Mark writes, “He rebuked their unbelief and hardness of heart” (Mark 16:14). What remedy did Jesus have for their lack of faith? He kept doing miracles and wonderful works. The miracles were not primarily for the benefit of unbelievers; most of His miracles were deliberately done “in the presence of His disciples” so that their faith could be strengthened (John 20:30).\nFourth, they lacked commitment. While the crowds were cheering and the miracles were being multiplied, they were thrilled. But as soon as the soldiers came into the garden to arrest Jesus, they all forsook Him and fled (Mark 14:50). Their leader ended up denying Jesus and swearing he didn’t even know the man. How did Jesus remedy their proneness to defection? By interceding for them in prayer. John 17 records how Jesus prayed that they would remain ultimately faithful and that the Father would bring them to heaven (vv. 11–26).\nFifth, they lacked power. On their own, they were weak and helpless, especially when confronted with the enemy. There were times when they tried but could not cast out demons. Their faithlessness left them unable to harness the power that was available to them. What did Jesus do to remedy their weakness? On the day of Pentecost He sent the Holy Spirit to indwell and empower them. This was His promise to them: “You shall receive power when the Holy Spirit has come upon you; and you shall be witnesses to Me in Jerusalem, and in all Judea and Samaria, and to the end of the earth” (Acts 1:8). That promise was mightily fulfilled.\nWe’re inclined to look at this group with all their weaknesses and wonder why Jesus did not simply pick a different group of men. Why would He single out men with no understanding, no humility, no faith, no commitment, and no power? Simply this: His strength is made perfect in weakness (2 Corinthians 12:9). Again we see how He chooses the weak things of this world to confound the mighty. No one could ever examine this group of men and conclude that they did what they did because of their own innate abilities. There is no human explanation for the influence of the apostles. The glory goes to God alone.\nfrom \"Twelve Ordinary Men\" by John MacArthur, Chapter 1\nO that the Church would embrace who we are!\n1 Corinthians 1\n26 For consider your calling, brethren, that there were not many wise according to the flesh, not many mighty, not many noble; 27 but God has chosen the foolish things of the world to shame the wise, and God has chosen the weak things of the world to shame the things which are strong, 28 and the base things of the world and the despised God has chosen, the things that are not, so that He may nullify the things that are, 29 so that no man may boast before God. 30 But by His doing you are in Christ Jesus, who became to us wisdom from God, and righteousness and sanctification, and redemption, 31 so that, just as it is written, “LET HIM WHO BOASTS, BOAST IN THE LORD.”", "label": "No"}
{"text": "Ms. Kelsey Wilson at South Park Elementary School has used the Classroom Cash Grant award for her 5th grade ecosystem lesson.\n“We take time to look at different types of ecosystems and within that would be the food chains and webs of different animals,” explains Kelsey.\nOwl pellet dissection teaches the students in a hands-on way about what type of food the owls depend on. Stepping away from the textbooks and diving deeper into the learning material will be something Kelsey’s students will be able to share with others. This cash opportunity for teachers in the Black Hills gives students the opportunity to learn outside the box in creative, memorable ways making education fun. Want more info? Click HERE!", "label": "No"}
{"text": "ACP Guide for Chemical Terrorism Identification\nEpidemiological Clues of a Chemical Terrorism Attack\n- Chemical casualties are usually readily recognized due to the short latency of most agents.\n- Rapid onset (immediate or minutes to hours) of similar symptoms among victims in close proximity to a hazardous materials release.\n- The chemical release might result from an explosion, fire, spill or release of vapor under pressure, or from open containers.\n- The abrupt group onset of symptoms or a sudden release of chemicals in a closed or semi-enclosed non-industrial area (e.g., subway, school, convention center, etc.) is suspicious for terrorism.\n- Unprotected would-be rescuers becoming victims themselves indicates the presence of conditions immediately dangerous to life and health.\nNone of these clues are pathognomonic of chemical terrorism, but indicate a high likelihood that victims are suffering from chemical exposure.\nPossible Scenarios of Chemical Attacks\n- Use of weaponized chemical substance or attack on a weapons stockpile.\n- Aerosol spraying (handheld devices, crop dusters).\n- Attack on industrial/commercial chemical sites.\n- Intentional hazardous materials transportation mishap (truck, rail car, or tanker with chemicals).\nImmediate identification of specific chemicals is usually not possible.\nSentinel Clues for the Major Chemical Agent Syndromes\n- Cardiovascular and CNS manifestations reflecting tissue hypoxia often accompanied by lactic acidosis. Absence of respiratory irritation or relatively minor. No increase in secretions. Pupils normal or dilated. Mild: Headache, fatigue, anxiety, irritability, dizziness, nausea. Moderate to severe: dyspnea, altered mental status, cardiac ischemia, syncope, coma, seizures.\n- Terror attack. Consider cyanide.\n- Elevated carboxyhemoglobin. Consider carbon monoxide.\n- Smoke inhalation. Consider combined carbon monoxide and cyanide.\n- Sudden collapse around \"rotten eggs\" odor. Consider hydrogen sulfide.\nCholinesterase Inhibition (e.g. Nerve Agents)\n- Cholinergic syndrome with pupil constriction (miosis) and increased exocrine secretions +/- fasiculations. Mild: Miosis, dim vision, eye pain, rhinorrhea, irritability, headache, chest tightness, sweating. Moderate to severe: wheezing, muscular weakness, fasiculations, cognitive impairment, incontinence, coma, seizures.\n- Terror attack. Consider sarin and other nerve agents.\n- Incident involving commercial pesticides. Consider organophosphorous and carbamate insecticides.\nPulmonary Irritation: Choking Agents\n- Respiratory tract irritation and symptoms, usually much more prominent than eye and skin irritation. Mild: nose and throat irritation, sore throat, cough, chest tightness, eye irritation. Moderate to severe: laryngitis, wheezing, stridor, acute lung injury, laryngeal edema, non-cardiogenic pulmonary edema.\n- Rapid onset of primarily upper respiratory and mucous membrane irritation. Consider tear gas, chlorine, ammonia, or chloramines.\n- Delayed onset of primarily lower respiratory symptoms. Consider phosgene gas.\nVesicants: Blistering Agents\n- Eye injuries and skin burns prone to vesicle formation. These may be followed later by respiratory irritation, and after high doses, late systemic effects. Mild: conjunctivitis, limited skin erythema, epistaxis, sore throat, cough. Moderate to severe: corneal damage, skin vesicle and bullae formation, nausea, wheezing, stridor, laryngeal edema, hemorrhagic pulmonary edema.\n- Delayed onset. Consider sulfur mustard.\n- Rapid onset with vesiculation. Consider lewisite.\n- Rapid onset with sequence of skin blanching, erythema, wheal formation, and necrosis. Consider phosgene oxime.\nFurther information on chemical exposure and toxicological syndromes (toxidromes) may be found online at the ACP Bioterrorism Resource Center\nBasic Initial Management\n- Cessation of exposure. Extrication is best performed by properly protected emergency personnel.\n- Early pre-hospital decontamination: Clothing removal, irrigation with water, followed by soap and water washing.\n- Focus on airway patency, ventilation, and circulation, while surveying for burns, trauma, and other injuries.\n- Consult the regional poison center to assist with syndrome-based therapy.\n- Stockpile essential antidotes in advance: Diazepam for convulsions, cyanide antidote kits, and atropine and pralidoxime (2-protopam) for treating cholinesterase inhibitors.\nIf you suspect chemical terrorism is responsible for an illness, contact your local health department and the CDC. A federal emergency technical assistance line, the \"Chemical and Biological Hotline,\" is available 24 hours a day at 800-424-8802.\nMore information may be found online at:\nDownload a PDA version of this card\nProduced by the American College of Physicians.\n© 2004 ACP\nInternist Archives Quick Links\nWhat will you learn from your Annals Virtual Patient?\nAnnals Virtual Patients is a unique patient care simulator that mirrors real patient care decisions and consequences. CME Credit and MOC Points are available. Start off with a FREE sample case. Start your journey now.\nInternal Medicine Meeting 2015 Live Simulcast!\nUnable to attend the meeting this year? On Saturday, May 2, seven sessions will be streamed live from the meeting. Register for the simulcast and earn CME credit after watching each session. Watch it live or download for later viewing.", "label": "No"}
{"text": "Let’s face it, we love bricks. Think about it. Steel rusts. Wood takes a lot of maintenance. But bricks are so sturdy, beautiful, low maintenance and just plain reliable. Today, antique bricks have become popular building material. They give a building charm, character and time-tested style. Salvaged from old buildings, reclaimed bricks age beautifully. The rough edges, pockmarks, and old stains lend texture and integrity to buildings, qualities that you just cannot get from newer materials. There are many types of reclaimed brick. One favorite is reclaimed Chicago brick.\nHow do you know it’s authentic Chicago brick?\nBricks have been around for a very long time. In fact, they were in nearly the same way for thousands of years, using clay, fire and water. The earliest bricks were dried brick, made of clay-bearing earth or mud and dried in the sun. Fired bricks have also been used since circa 5000 BC.\nOne important difference between modern brick and reclaimed brick is the way the bricks were made. Until the turn of the century, bricks were usually made by hand, which gave each brick a distinctive appearance. The bricks were fired in kilns which had wide variations in temperature, so the resulting bricks were not uniform in color or texture. It is these variations in texture and color that make reclaimed brick so beautiful.\nBut why Chicago brick? Again, history holds the answer. During the Great Chicago Fire of 1871, hundreds of people died and over four square miles of the city were destroyed. After the fire, the city was rebuilt, much of it with what we now know as Chicago Common Brick. Identifying authentic Chicago bricks is easy when you know what to look for. These bricks looked different primarily because they were made with the grayish blue clay deposited by the last glacier. When fired, the high temperatures turned the blue clay salmon or buff colors. The resulting bricks were very durable, as well as breathable. These common bricks were cheap and abundant, in part because at that time people preferred the more uniform look of factory made bricks. Today, those bricks are highly prized for their irregularities.\nMany of us may find it hard to recognize the differences, but reclaimed Chicago bricks just look different from new bricks. Even if they were made from the same clay, in the same manner, the antique bricks have been knocked around. Over the years they have been exposed to all kinds of weather, and may be chipped. But an antique brick looks good, even when chipped, because the chips are weathered, which just adds more character. Many of the authentic Chicago bricks bear the “union-made” logo, proudly stamped into the clay.\nThere are many reasons for the current popularity of reclaimed brick. In addition to providing a tangible connection to the past, reclaimed brick also helps preserve the future. Using reclaimed brick is environmentally friendly, because you are using recycled material. It is also an excellent material to save heating and cooling costs.\nBut for many people, the main reason is that they feel a strong connection to the past. They are drawn to the matchless, timeless look of reclaimed brick and believe that it simply cannot be duplicated.\nThe best way to be certain you are using authentic reclaimed Chicago brick is to work with a trusted, experienced supplier of reclaimed brick. They obtain their bricks from reliable sources, and use bricks that have been carefully removed and properly prepared. At Gavin Historical Bricks, we are a family run business. We work with architects, designers and individuals to help you choose the right brick for your project and your budget. If you have any questions or would like further information about using reclaimed brick in your project, please contact us.\nSubscribe for updates\nSign up with your email address to receive news and updates from Gavin Historical Bricks.\nWe don’t email often & we don’t share your information", "label": "No"}
{"text": "|Location:||Afqa. Beirut towards Jbail (Byblos), Qartaba exit between Jounie and Byblos. Through Qartaba and Mughaira to Afqa. 65km from Beirut.|\n|As far as we know this information was accurate when it was published (see years in brackets), but may have changed since then.\nPlease check rates and details directly with the companies in question if you need more recent info.\nMagharet Afqua is a river cave and the resurgence of the Adonis river. During spring the melting water from the mountains makes the spring rise, and because of the water bringing a lot of red clay with it, it is called the Blood of Adonis. The Romans believed that this was the place where the legend of Aphrodite and Adonis had happened. After being wounded Adonis went to this cave to die, and since this time the water is coloured red every year.\nThe Dispute Of Persephone And Aphrodite Over Adonis\nAphrodite hid the newborn child, Adonis, in a chest, which she gave to Persephone, Queen of the nether world. But when Persephone opened the chest, she was beheld by the beauty of the baby, so she refused to give him back to Aphrodite. The goddess of love went down to the Underworld herself to ransom the baby Adonis from the power of the dead.\nThe dispute between the two Goddesses of love and death was settled by Zeus. He decreed that Adonis should abide with Persephone in the underworld for one part of the year, and with Aphrodite in the upper world for another part. When he stayed in the underworld, it was winter. When he returned, the Earth blossomed into spring and summer.\nThe Myth Of Aphrodite And Adonis\nWhen Ares, the God of War and Aphrodite’s lover, heard that Aphrodite loves the youth Adonis, he got jealous and decided to take revenge.\nAphrodite was chasing Adonis to mate with him, but Adonis was more interested in hunting. Aphrodite begged Adonis to give up the dangerous sports he enjoyed because she could not bear to lose him, knowing that the young man would have a terrible end. Adonis ignored her advice and was killed while hunting by a wild boar, that was actually God Ares.\nWhen Adonis died, Aphrodite heard his cries and hastened to his side in her swan-drawn chariot. She cursed the Fates and Ares that had ordained his death. With Adonis still in her arms, Aphrodite turned the blood drops that fell from his wounds onto the soil into windflowers (the short-lived anemone) as a memorial to their love.\nAnemones sprung from the blood of Adonis and his spirit returned to the underworld. In response to the tearful goddess, Zeus determined that Adonis should stay just for the half of the year in the Underworld.\nThe cave is not developed, but it is possible to climb up on the left side of the river. It is a little difficult, so a little climbing experience and the right shoes are necessary. The road crosses the cave river right in front of the cave entrance and resurgence. But below the modern bridge is the remains of an ancient bridge which spans the river for some 2,000 years.", "label": "No"}
{"text": "Using a previous exercise about Hallux abducto valgus (HAV) (deformation of the big toe that often requires surgery). Doctors used x-rays to measure the angle (in degrees) of deformity in 38 consecutive patients under the age 21 who came to a medical center for surgery to correct HAV. The angle is a measure of the seriousness of the deformity. Here is the data:\n28 32 25 34 38 26 25 18 30 26 28 13 20\n21 17 16 21 23 14 32 25 21 22 20 18 26\n16 30 30 20 50 25 26 28 31 38 32 21\nIt is reasonable to regard these patients as a random sample of young patients who require HAV surgery. Carry out the Solve and Conclude steps of a 95% confidence interval for the mean HAV angle in the population of all such patients.\nA good way to judge the effect of an outlier is to do your analysis twice, once with the outlier and a second time without it. Using the above data follow a Normal distribution quite closely except for one patient with HAV angle 50 degrees, a high outlier.\n(a) Find the 95% confidence interval for the population mean based on the 37 patients who remain after you drop the outlier\n(b) Compare your interval in (a) with your interval in part 1. What is the most important effect of removing the outlier.\nIn order to find the 95% confidence interval for this question, we will use the following formula:\nconfidence interval = mean +/- z(sd/square root n)\nWhere z for 95% confidence equal is 1.96, sd is the standard deviation and n is the number of samples.\nMean = sum of all data points/n\nA complete, step by step solution to solve the 95% confidence interval for a specific data set. Second portion of this answer investigates the effect of removing an outlier from the same data set.", "label": "No"}